BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-29
Company: EQUIFAX, INC.
State: PA
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:
This Complaint concerns Equifaxs reporting of an alleged account with XXXX XXXX XXXX, Alleged Account # # # # # # # # # # # # # XXXX. A Fraud Affidavit was already supplied to these people. Per the Fair Credit Reporting Act, upon their receipt of this Affidavit, they were supposed to cause the removal of this alleged account from my credit report. They have already failed to do so, and thus have already violated the Fair Credit Reporting Act.

Even if this account were legitimate which it is not - please make note of the balance they have reported as to this alleged debt from  XX/XX/XXXX to present, namely : Date Balance Change XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$250.00} About 13.2 % Annual Interest XX/XX/XXXX {$250.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} {$37.00} reduction, no payment made XX/XX/XXXX {$230.00} About 10.7 % Annual Interest XX/XX/XXXX {$230.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest Per my Equifax credit reports from XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX XXXX appears to have been charging an approximate average of 13.2 % annual interest on this alleged debt. No contract exists where I authorized such interest on any such alleged debt. 

Per my Equifax credit report on XX/XX/XXXX, for no apparent reason, XXXX XXXX XXXX appears to have made a {$37.00} reduction in my alleged balance. I made no payment. 

And then, per my Equifax credit reports from XX/XX/XXXX to present, XXXX XXXX XXXX appears to be this time charging an approximate average of 10.7 % annual interest on this alleged debt. No contract exists where I authorized this amount of interest either. 

Their credit reporting simply can not be accurate, even if this account were legitimate. 

I am requesting that this fraudulent and inaccurate account be deleted from my credit immediately. 

Thank you for your time and attention to this matter, and I remain Very truly yours, /s/ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Consumer Protection complaint through the AG # XXXX. 
Based on information obtained from Equifax, personal credit card limits have been reduced. As a result, the score reported by Equifax ( and sent to XXXX, and other reporting agencies ), has increased my debt ratio considerably. An example is a consumer card ( XXXX ) originally had a {$2000.00} limit. The charge on the card is {$1100.00}. Based on Equifax reporting, the limit on this card and others, has been reduced to the amount owed, consequently publishing a ratio of XXXX % utilization. 

" Your total credit card balance {$16000.00} Your total credit card limit {$24000.00} = Your credit card utilization XXXX % USAGE BY ACCOUNT XXXX XXXX XXXX XXXX XXXX % Balance : {$3000.00} Reported : XX/XX/2016 {$3000.00} Limit XXXX XXXX % Balance : {$4800.00} Reported : XX/XX/2016 {$5000.00} Limit XXXX XXXX % Balance : {$1000.00} Reported : XX/XX/2016 {$1100.00} '' Additional complaints of non-authorized addition to a XXXX XXXX account, goes unheeded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed this account with Equifax before, I do n't understand when you point out clear evidence of the account being wrong they still what to report it. And tell you they need to do a 30 - 45 days for and account that is clearly wrong. Has not clear payment history and reporting Delinquency twice on the same account with two different days. The correct date is at the bottom of the page of the page XX/XX/XXXX. The payment history clearly shows it when it when to collection. Then also shows when I made the last payment making it XXXX balance as it is being reported. But out of no where the have a another date making it appear that the Major Delinquency is reported last year XX/XX/XXXX. This has hurt me in getting fund because it appeared to be recent. I tried to tell the lender that but they said there is no clear payment history when it started because they put NR all over my payment history making it unclear when anything happen. I called Equifax to show them the clear error of reporting two different days of delinquency and how it is effecting me getting credit. I ask to to remove this clear error and do investoring before they can put it back on my credit report because why should I suffer when someone else makes a clear mistake. I am looking for funding for my business and things like this can take my out of business. It is not fair when reporting agency see clear errors and refuse to remove them until they are probably fixed. When I did a investigating with Equifax in the past they took XXXX points off making my score to low to get funding until the investigating is done. This is like blaming me for standing up for my rights to fix my account and making me suffer for 30 - 45 days until they finish investigating. My score should not be affected until the final update is finish. Why should I suffer for and error that Equifax should not aloud to report. No clear payment history and two different delinquency dates. I spoke to a supervisor and they said they can not do nothing but file a dispute when this account should be illegal. It is clearing wrong. XXXX Account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had a mortgage with XXXX XXXX XXXX that was included in a bankruptcy XX/XX/XXXX. The mortgage was then sold to XXXX, then clearsprings sold it to XXXX. I am currently paying and in good status with XXXX. In XXXX of this year XX/XX/XXXX I got a hit on my credit report that XXXX had made a change on my old mortgage even though I had not had them on my mortgage for over two years. I filed a complaint XXXX with equifax. XXXX stated there was no issue and closed the case. I then started the process with XXXX Bank to refinance the property. During this process they received notice and letter from XXXX that the mortgage had a foreclosure listed. They notified me XX/XX/XXXX and was shocked, since I have never had a foreclosure and this mortgage was protected by bankruptcy. I immediately called XXXX equifax the same day and entered complaints. XXXX could never find an issue and neither did XXXX or XXXX Bank. Equifax also said there was no issue. Even thought the false foreclosure is not listed anywhere on my credit report it was a code listed by equifax. My bankXXXX, and equifax all had a conference call and it was obviously the Equifax had it coded wrong and the code showed the foreclosure. Even during this call a Equifax refused to change the code. Therefore I need help getting Equifax to code correctly and remove the code that is showing foreclosure. Please help. I have attachments but my iPad will not attach. Will send if someone sends me email I can send too. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to pricacy.

15 U.S C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

- Account # XXXX XXXX 
- Account # XXXX XXXX 
- Account # XXXXXXXX XXXX XXXX XXXXXXXX. 

Collections : -Account # XXXX XXXX XXXX XXXX XXXX XXXX 
-Account # XXXX XXXX XXXX XXXX. 
-Account # XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-01-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON THE DISPUTED ACCOUNTS. MY XXXX, XXXX BANK AND XXXX XXXX BANK ACCOUNT ARE REPORTING LATES. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I spoke with XXXX XXXX XXXX regarding another short sale offer that was submitted for XXXX after the initial offer of XXXX was denied. I was advised that the offer may be denied due to the investor XXXX XXXX XXXX discretion. I was advised that on XXXX XXXX the XXXXSPS performed a XXXX  that was at XXXX with renovations at XXXX which is over the value of the appraisal of XXXX that was completed on XX/XX/XXXX .My payoff on this home is XXXX according to SPS as of XX/XX/XXXX. I was advised that the XXXX  was evaluated by driving by and no one entered the home to do the proper appraisal evaluation. I have made several attempts to work with SPS regarding this and feel pressured into keeping a home that is falling apart around me. I am XXXX yrs of age and have limited resources and can not do any of the work myself. As a XXXX  XXXX  and veteran, I feel as if they are forcing my hand to remain in a dwelling that is not safe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: AMERICAN HONDA FINANCE CORP
State: SD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My Auto payments set on autopay failed during a bank buyout We did not realize that payments were not being made I did not receive a call or a email or any notice of any type .My vehicle was going to repossessed the first person to get a hold of me was a local repossess agent. 
I immediately went to bank and wired funds for 120 days past due the fees i am being is outrageous

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
item 's on my credit file was deleted. ( XXXX credit card with a balance of {$580.00} ) because this information reported was false. also info on a XXXX privet student loan with a balance of XXXX and XXXX XXXX privet student loan with a balance of XXXX the information being reported on these accounts are completely false and does not comply with the fair credit reporting act 15 USC 1681 et seq

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
In the response from resurgent capital services first and foremost they had their logo and or symbol in pursuant to 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and Then they continued to attempt to collect this alleged debt, in pursuant to 15 usc 1692e ( 2 ) ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

After sending this they then sent a deceptive form that was a case with LVNV FUNDING LLC, the amount its stating on this deceptive misleading court order sates that the estate owed XXXX then resurgent is attempting to collect XXXX, in pursuant to 15 usc 1692e ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. 

How can resurgent attempt to collect upon something in which they were not present furthermore me the natural living person am not obligated to pay any debt in pursuant to 18 usc 8 the moment I put down my credit card information my 9 digit numbers from their it was credited by the XXXX XXXX XXXX XXXXXXXX. 

They have violated many of my consumer rights within the FDCPA using false and misleading means and information to attempt to collect a debt and for the damages in which that have been done and the XXXX this company has caused I am holding them civilly liable in pursuant to 15 usc 1692k I demand {$1000.00} for each company as well as XXXX for the damages. send the remedy to the address below XXXX XXXX XXXX XXXX XXXX arizona [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Continuous phone calls all day from a collection agency. When I answer they hang up. When I call the number back they say I owe money to XXXX insurance which I do not. They are incorrectly reporting on my credit report and it's causing a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Checking account wit h Capital One  on  XXXX . I deposited  XXXX  money orders in an ATM in the next several days and used the funds to make payments on a couple of my credit cards.     Capital One put a hold, not on the funds, but on my account itself, so that I could n't even deposit more money. They did not inform me of this. I ca n't even access my account to see what 's happening.     When I tried to make a deposit on  XXXX , I was informed of this and was given a number to call. It turned out to be the fraud department, and  XXXX  asked me a couple of questions, which I answered. He then said that an investigator would be calling me.     When I called back on  XXXX , I was told that  XXXX  's notes said that I refused to answer questions about the money orders, which is 100 % not true, and that he suspected them of being counterfeit. There were also notes from an investigator named  XXXX  that he had tried to call me and I had hung up on him! Also false.     I purchased the money orders myself from  XXXX  and  XXXX  and have the receipts, so I know that they are not counterfeit and have the receipts to prove it. But no one a t Capital One care s about me, or the fact that they are holding {$1700.00} of my money, or the fact that I am now in trouble with  XXXX   XXXX  and  XXXX  Card for returned payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letters to Experian recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the accounts : XXXX XXXXXXXX Date XXXX Balance : {$0.00} Late/Closed Late Dates XXXX, XXXX XXXX Date XXXX Balance : $ XXXX Late Date XX/XX/21

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 2022-08-18
Company: Experian Information Solutions Inc.
State: NY
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:
This is my six endeavor to tell EXPERIAN that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged. Pursuant to Section 605B of Fair Credit Reporting Act this account XXXX XXXX XXXX XXXX XXXX will be deleted from my file.

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 2015-11-23
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
there is a debt collection agency that continue to send me information on an account I never had after asking them for information that shows this lender info they stated that I will have to call the company myself after searching for the lender and also looking up reviews from this company, there is no way to reach the company that says I owed them money for a credit card I never had, I feel that if this is truly a debt I caused I should have the info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Experian Information Solutions Inc.
State: OH
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:
I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished XXXX XXXX   regrading all personal information of mine.

This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

My information is clearly shown below :

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 2022-10-11
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$7900.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2300.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$4600.00}, DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.

Company response to consumer: Closed with explanation