BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX has been paid in full as of XX/XX/2019. On my credit report, the account shows a balance for {$8000.00}. In a section of my credit report, the balance shows in the month of XXXX. The months of XXXX through XXXX is not showing on the credit report with a balance. Which means the account was paid in full in XXXX. If it wasn't paid, XXXX would show the balance next to each month. XXXX   is still reporting a balance in the balance column and updating this every month although they are not receiving a payment every month since they were already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed XXXX XXXX on my experian and XXXX credit reports. I get a message back a few days later saying they investigated it and its mine. I 've also sent XXXX XXXX a letter asking them to validate the debt. They have been unable to do so. Since they are unable to validate the debt it should be removed from my report. This company was already sued for trying to collect debts that were not correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This alleged debt is not mine nor am I obligated to pay it. I don't care what " validation, proof, etc '' ARS has, I am not responsible for it. The fact ARS refuses to remove it, is a violation, as well as, an injury to my consumer report well being. 15 USC 1692k civil liability {$1000.00} per violation for the damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Lending Club Corp
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried for several months to correct this matter with Lending Club to no avail. Lending club reports two loan accounts on my XXXX report with nearly the same balance. These are duplicate accounts and one of them should be removed from my XXXX report. 

This uncorrected errors presents a hardship to me because it shows that my overall debt is significantly more than what it is. I have tried reaching out to lending club directly for at least 4 times. This has been going on for at least 5 months, but I am told the matter will be corrected in 30 days, but it not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
To whom it may concern, I want to report transactions that I look at in my accounts, I kept all those papers for my files, but do not check because I had confidence with Wells Fargo Bank a few months ago. Using transactions I noticed quite a few transactions of the bank which charged things exaggeratedly high, I demand the institution clarify those charges, which I only received a letter where they are not responsible or offer me an explanation for the high penalties they gave me, which exceed more Of {$200.00} dollars in consecutive dates day by day, demanded my money and an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: FIRSTBANK PUERTO RICO
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We started the Short Sale process on XX/XX/2021 and submitted all the necessary documents ( statements, pay stubs, W2s, Tax Income, etc. ) to First Bank of Puerto Rico. Then they requested more documents and we submitted them on XX/XX/2021. Then, First Bank of Puerto Rico send a letter requesting more documents, this time new documents that were not part of the initial packet. On every occasion we submitted the documents promptly. Again, on XX/XX/XXXX they requested more documents and were submitted the next day. We have been trying to constantly communicate with the Loss Mitigation Specialist but no success. Her info is : XXXX XXXX XXXX XXXX XXXX Loss Mitigation Specialist Mortgage Default Tel XXXX Ext. XXXX I called on XX/XX/XXXX and left a message with a person from First Bank that was going to reach out to XXXX XXXX but at this point we still haven't received an update. This process started more than 6 months ago and we still haven't heard a decision on our case. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried for several months to correct this matter with XXXX XXXX to no avail. XXXX XXXX reports two loan accounts on my EQUIFAX report with nearly the same balance. These are duplicate accounts and one of them should be removed from my Equifax report. 

This uncorrected errors presents a hardship to me because it shows that my overall debt is significantly more than what it is. I have tried reaching out to XXXX XXXX directly for at least 4 times. This has been going on for at least 5 months, but I am told the matter will be corrected in 30 days, but it not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have sent XXXX letters to Experian Credit Reporting Agency now in regards to old debts on my account from 2004. The FTC says these debts should drop off your credit report after XXXX years. I notified Experian that these are still on my credit report, yet after XXXX months have not had one response in regards to them and they still show on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: OneMain Finance Corporation
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I found several unfamiliar credit inquiries on my credit reports, I have already contacted the company via phone & letter ( mail ) & no response. I have notified the credit bureaus as well. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ONEMAIN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian has reinserted a credit account that was fraudulently opened without my consent. I disputed this account some years ago and it was never validated nor verified with myself nor Experian. I just so happen to look at my credit report and there is a number of accounts that is fraudulent. Applied bank was removed and reinserted without verification nor validation. I contacted the credit card company and they never sent me a copy of the signed credit agreement with my signature on it. XXXX is the other account who was reinserted without verification nor validation. XXXX was also asked for a copy of a signed credit card agreement with my signature stating I applied and agreed to this card and they could not provide the information. XXXX XXXX is a computerized number and that does not constitute verifying information. XXXX funding was contacted as well and they failed to show how they own the account, did not send copy of agreement with my signature on it as well. This is my last attempt to resolve this matter. I will be pursuing legal action for these unvalidated and unverified accounts are hindering my credit score tremendously. No consumer should have to endure this foolishness when it comes to getting proof for validation. There is a Bankruptcy on here that does not belong to me. I called the courts and they do not verify information over the phone. Third party companies are not a valid method of verification. Im sure Experian did not talk to anyone concerning this Bankruptcy because the courts do not verify over the phone. Bankruptcy do no share information with third party companies. XXXX and other third party companies are not a valid verification. This bankruptcy was reinserted which I disputed a long time ago and Experian removed the bankruptcy, XXXX, applied bank and now they reinserted without legally verifying or validation failing to alert me of they was reinserting without proper verification.. XXXX account was disputed I was never late on this account and they never got in touch with the company to verify or validate. I know for sure they did not confirm because they wont even return my calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
i'am filing a complaint against Experian Credit Reporting Agency , they have ignored my request to provide me with the documents that their company has on file that was used to verify these accounts. under SECTION 611 ( 5 ) ( A ) of the FCRA -- they required to ''prompty delete all information which can not be verified '' that i have disputed. Please resolve this manner as soon as possible. THANK YOU SO MUCH ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: PLANET HOME LENDING, LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I received a letter approximately XX/XX/XXXX stating that my escrow account was short, when I looked at the balances I noticed my escrow account had paid someone elses property taxes along with my own. When I called and verified that they paid the wrong taxes they assured me it would be handled within 30 days, when I called back on XX/XX/XXXX they said things look good and call back on the 24th to make sure everything was handled. When I called back nothing had been completed and my escrow account was still negative approximately {$2000.00}. So now I am stuck with a {$400.00} a month payment higher than I should have due to their error my normal payment is {$580.00} and my new payment due to their error is {$1000.00} and there seems to be no fix in sight. I have to wait for them to get a refund from the local tax Authority before they can fix my account, I dont feel as I should over this debt being it was their mistake. Why do I have to wait for them to get a refund before fixing my escrow balance making the mistake my liability

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My Name is XXXX XXXX Todays Date is XXXX XXXX My XXXX Report Number : XXXX And My FTC Report Number Is XXXX Iam The Only One Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Account As I Could .Also Recently I Called XXXX Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Experian..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Account : TD AUTO FINANCE Account number XXXX {$14000.00} XXXX Even Called XXXX Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way XXXX Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number XXXX XXXX ( b ) Block. Item must be blocked in no less than ( 4 ) days

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been questioning some charges from XXXX, and XXXX without calling me to discuss this once, though I have repeatedly asked them to, reported to the creditors that I was delinquent in paying them. As anyone can see from my credit report, I have very good credit history, I have never once been delinquent in payment to anyone. I would like this report amended as my credit score should not be ruined for daring to dispute or ask for clarification from XXXX over charges. 

Regards, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Nelson Cruz & Associates LLC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Nelson Cruz and Associates called to collect a debt discharged in bankruptcy over 10 years ago. Accused me of fraud due to " cross collaterilization '', threatened to " flag '' my car ( whatever that means ) and overinflated the amount of the original debt. Told me that the debt was not covered under my bankruptcy, which it clearly was, and regardless of that, the statute of limitations would certainly apply. Their tactics are scummy and unethical.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 2015-05-24
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed inaccurate information with Experian regarding the accounts that are listed on this dispute. First of all, I 've contacted the companies via USPS certified mail and sent them a letter of debt validation. None of these companies responded with any verification or validation of the accounts or the information regarding the accounts. By law, these companies are supposed to verify to me that these accounts and the information is accurate. I would like to know what verification/ validation did Experian receive regarding these accounts that was competent since they say the investigated my dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
i believe im not being credited and that my girlfriend is being credited instead, somehow me and my girlfriends social security number is mixed up, i recently financed a car at XXXX XXXX in XXXX il on XXXX XXXXafter six months i realize i wasn t being credited for the loan on the car in which i was making payments too, i furthur realize my girlfriend was being credited instead of me somehow the car lot mixed up our social security numbers and that is why im not being credited

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: PLANET HOME LENDING, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
m y complaints against planet home lending. I was in forbearance in XXXX since then i have paid my mortgage for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX in full each months its due 8 months planet home lending is showing all 8 months late because I did not pay on the 1st day of every month I have paid all 8 months I am trying to get refinanced. can you help me clear my credit reports all 3 XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I submitted proper documentation to Experian about an account that is no longer allowed to be reported on my credit. The credit report that was sent to me by Experian on XXXX XXXX, 2015 stated plainly that the account in which I disputed was to continue on my report until XXXX 2015. After a few days in XXXX I reached out to Experian to have the matter cleared up only to be informed that they would not investigate any further, period. I am reaching out to you for assistance because as of XXXX 2015 and a dispute with both XXXX and XXXX for the same collection account, these negatives have since been removed from their records. I also forwarded proof of this to Experian to shorten the process in getting this account off of my credit report and they are refusing to uphold the law of reporting timeline accuracy. I am in the process of trying to purchase my first home and Experian 's disregard of the law is causing me and my fiance a lot of unnecessary pain and suffering. I have proof of deletion from XXXX direct dispute and I also have the Experian report stating the expiration date of this negative item and will also include credit report from both XXXX and XXXX proving that this account is no longer being reported, I just need Experian to do what is right in this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-31
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My boyfriend and I were denied for an apartment application because there has been a false claim made on both of our credit reports indicating that we owe {$680.00} to XXXX XXXX Apartments. This information is false because a ) we have paid off the last of our rent and b ) we never collected our {$500.00} deposit. And when we left there was nothing in writing given to us by XXXX XXXX Apartments stating there was a remaining balance due. So with this going on we have now become XXXX step closer to becoming homeless because of this false claim. And when we went to investigate the claim XXXX credit reporting companies have no record of this claim and when we finally called Experian Credit Reporting, we could n't get a hold of an operator for hours of retrying and retrying different selections in the call menu. So now here we are and this complaint is going out on both XXXX XXXX Apartments and Experian Credit Reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously had an auto loan with XXXX XXXX which began XXXX XXXX. This auto loan was paid off in XXXX of 2021. 
Also, in XXXX I requested on a recorded call for XXXX to have all late payment ( s ) removed from my credit report, XXXX agreed on this phone call that these changes will be made. XXXX made updates but failed to remove ALL late payments from my credit report as agreed. 
I called XXXX twice a week from XXXX to XX/XX/2021 checking the status of the removal of these late payments each time they confirmed our agreement and told me it was still in process. 
As of XX/XX/2021, XXXX have yet to remove ALL late payments from my credit report as agreed. I am simply requesting XXXX to please remove these late payments as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a letter to validate accounts on XX/XX/2021 to.. I didn't hear anything from them so I filed a complaint XXXX with you guys. According to FCRA reporting agencies have 30 days to validate disputed items. It took them longer than 30 days therefore my request to remove disputed accounts should be honored. I have attached the letters which state the date of Tranunions response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation