BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-21
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax continues to erroneously report Chapter XXXX bankruptcy information. They have claimed repeatedly that they are not doing this -- but a credit report pulled today by my mortgage lender confirms that they are : Good Morning XXXX XXXX : I just got off the phone with our XXXX party credit reporting agency and evidently Equifax is the only credit bureau that is reporting the XXXX XXXX XXXX XXXX accounts as a Chapter XXXX versus a Chapter XXXX. 

Here is the documentation they will need to go straight to Equifax to have this corrected:1 ) '' Discharge of Debtor '' page of the bankruptcy paper work2 ) Schedule " D '' of the bankruptcy paper work showing the XXXX XXXX XXXX XXXX accountsPlease send to me and once received, I will send a credit repair letter to our third party credit reporting agency to have changed from a Chapter XXXX to a Chapter XXXX. 

Also, fyi, here is information regarding the XXXX XXXX XXXX XXXX accounts in question : XXXX XXXX XXXX XXXX Opened XXXX XXXX High Credit Limit $ XXXX XXXX XXXX XXXX Opened XXXX XXXX High Credit Limit $ XXXX of XXXX XXXX Opened XXXX XXXX XXXX Credit Limit $ XXXXXXXXThanks! 



XXXX XXXXBranch ManagerNMLS # XXXXPhone : XXXXXXXXToll Free : XXXX XXXXCell : XXXXXXXXFax : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX " forward dates '' XXXX charge offs. Thus the " drop off dates '' are almost a year past the seven year term mandated in the Fair Credit Reporting Act. 
The XXXX main credit reporting agencies reports sometime report the correct first delinquency 's but they incorrectly designate the " drop off dates ''. 
Additionally, XXXX deletes the contradictory information from ( my ) credit report ( s ) when a dispute occur ( ed ) - thus eliminating the evidence of their misreporting found in the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My husband and I are not able to file a dispute online or over the phone. I 've tried multiple times and every time it has said that my request can not be processed at this time. I contacted customer service and they keep telling me to call the number I had previously called. I refuse to send my personal information through the mail. I badly need to get my report corrected so I can be approved for a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received notifications from XXXX XXXX, XXXX, XXXX, and XXXX that my personal information had been hacked. I have been disputing several accounts with XXXX Equifax, and XXXX for almost XXXX years. I now know why there is a class action lawsuit filed against XXXX Equifax, and XXXX in several states for not properly investigating consumer disputes and for listing inaccurate information on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I submitted all required information for identity purposes to Equifax. Equifax promised to give me an instant credit report. After I had to submit sensitive personal information subjecting my information to possible hackers, an Equifax screen stated that I must now write to them with the same information saying that Equifax can not give my credit report to me online. No explanation as to why not. Everyone knows what instant means and this is not instant. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Complain to Equifax : Explanation how the credit score from XXXX requested by XXXX on XXXX XXXX, 2016 reduced to XXXX requested by XXXX on XXXX XXXX, 2016. The credit score was dropped XXXX points when I have not applied or authoorized anybody to pull my credit between that period. Credit score on XXXX XXXX, 2016 from XXXX is XXXX, XXXX is XXXX and Equifax XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Terrill Outsourcing Group
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Superlative RM, Keeps calling my sisters phone back to back non stop. Ive told them to stop calling me & they continue to call off of different numbers after having them blocked multiple times. On XXXX 2022 I spoke w/gentlemen to offer to pay 30 % off the balance as a settlement & the gentleman w/the company would not accept, however this is considered harassment after trying to settle and them not agreeing. If these calls do not stop or they dont agree to settle im requesting to have this removed off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Optimum Outcomes, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: STATE FARM BANK, FSB
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone is using my social security name with their name and has open a lot of credit accounts in my name which isnt me! Please investigate and deleted and any credit open by me need a PIN number and to call me! This is not my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.XXXX  XXXX {$250.00} XXXX XXXX {$0.00} XXXX XXXX {$1300.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$410.00} XXXX XXXX {$450.00} XXXX XXXX {$1600.00} XXXX XXXX   XXXX {$100.00} XXXX XXXX XXXX {$18000.00}

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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXXXXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$500.00} XXXX XXXX XXXX ( XXXX ) XXXX Opened XX/XX/XXXX Balance {$400.00}

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 2022-05-20
Company: EQUIFAX, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
Equifax has placed two previously deleted accounts back on to my report with no notice of reinsertion as required by fcra law XXXX XXXX  XXXX XXXX XXXX Both accounts were deleted before and I did not receive notice of reinsertion. I would also like to request that Equifax provide me with a copy of the certification of accuracy for each account, as it is my right to do so. If there is no Certification of Accuracy for these accounts. that would indicate a violation is being carried out by the people at Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Someone has access to my personal information and is using it to open up credit card accounts

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 2016-12-26
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax continues to report a negative account on my credit report for which I was only an authorized user ; I had no payment responsibility on this account and it should not be reporting on my credit report. I have disputed this with all of the credit reporting agencies, including Equifax, and the account has been removed by all of the agencies except Equifax. This account is having a negative impact on my credit scores and is preventing me from obtaining necessary financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions 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:
After reviewing my credit reports I noticed that you are alleging that the following accounts are Charge off without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 

XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$0.00}

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 2022-05-20
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was behind on car payments so my car was repossessed by Ally Financial on XXXX XXXX 2022. I made the payment of the amount that was due of {$2100.00} in full on XX/XX/ 2022 plus made the additional car payment that was due on XX/XX/ 2022 of {$510.00}. As of XX/XX/2022 Ally Financial has yet to send my release paperwork to the auction that currently has my car. After many calls to Ally Financial and the auction that has my car every day since XXXX XXXX 2022 I am still without my car and without answers as to why the release paperwork has not been sent. Every time I speak with someone at Ally Financial they tell me that they have sent the paperwork and are not sure as to why the auction has not received it and that they will send it again and still no results.

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 2020-08-14
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Disputed debt with all three credit bureaus. 

Never received notification letter to dispute from lvnv funding llc. They have submitted false claims I misses a payment. Damaging my good name and credit worthiness. 

XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: TFS FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
we refinanced a mortgage with Third Federal in 2009. All payments made in full, never later up until we paid off early on XXXX XXXX. We were told to expect escrow refund approx. 
{$1600.00} with XXXX to 10 days before end of month. Have been calling since XXXX and were told stop pay would be issued and new check sent because we only received statement showing XXXX XXXX but no check. Have made over dozen calls, on hold for hours but no one will confirm that " lost check '' has been reissued. Can not fathom how a statement can be sent stating account is CLOSEDOUT if refund has not been issued. They keep putting me on hold to confer with " other depts. '' I am doubtful that any check was ever even issued for this refund and do not understand why this was not handled when loan was paid off in full on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi I am former employee of Caliber Home Loans my NMLS # XXXX I left the company on my own accord. I was and employee for over 5 years. I quit once and they still hired me back so I think I am and excellent employee as well as XXXX XXXX  I am writing to you today due overt discrimination by Caliber to XXXX XXXX XXXXXXXX. Caliber is violating Reg B or ECOA. I have expressed my feelings to management over the years and some underwriters were dropped of our team but never reprimanded in any kind of way. Please investigate the loans that were in process and approved but were later denied for one thing or another but the main problem was that these were XXXX XXXX XXXX please review all loans under my NNMLS XXXX that were denied. These borrowers were able to obtain financing thru other companies. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account information incorrect

Complaint:
Portfolio Recovery Associates , LLC ( " PRA, LLC '' ) WITHOUT having express written consent, from me, is inaccurately reporting a debt in collections on my credit report with a balance of {$650.00}. As of XX/XX/22 I called PRA. LLC and asked them to provide the original contract with the " wet ink '' signature that LAWFULLY obligates me to the account/amount, and they could not furnish any contract, OR written consent from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Equitable Acceptance Corp
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My original student loans were consolidated through XXXX XXXX which was bought out by XXXX. I started getting emails from student loan advocates stating they could have my student loans forgiven. I initially filled out the application for this but after looking ito it and speaking to XXXX about it is was found to be not in my best interest. I contacted the fed loan progran and told them i did not want there services and not to go through with the consolidation of my loans. It happened anyway and I was right it was not in my best interest to go with them, as they are now sending me threatening e-mails saying they are going to garnish my wages and report bad info to credit bureau. I was told i have to pay XXXX dollars in a couple of days to this third party or they will start actions against me. I want nothing to do with this company and need any help you can provide. I have contacted the XXXX and they are helping me get my loans back to the original company who also tried to help me in this matter but did not act quick enough. When I tried to call the numbers given to me all they said was pay or else and hung up. Yes I got mad on the phone and probably said some thing i probably should n't have but who would n't. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Never applied for no XXXX  XXXX charge card in XXXX to XXXX. This on my credit report and needs to be remove immediately. Account # is XXXX on my credit report.

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 2022-05-20
Company: Experian Information Solutions Inc.
State: VA
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:
The Credit bureaus listed the following inquiries on my report without my written permission. These are all grounds for removal They also they violated my rights unde

r 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions. They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute. They also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii )
. The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer List of inaccurate inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-20
Company: EQUIFAX, INC.
State: AL
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 Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX, Account Number : XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account Number : XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account Number : XXXX, has violated my rights. 
XXXX. XXXX, Account Number : XXXX, has violated my rights. 
XXXX. XXXXXXXX XXXX, Account Number : XXXX, has violated my rights. 
XXXX. XXXX, Account NumbeXXXX : XXXX, has violated my rights. 
XXXX. XXXXXXXX XXXX Account Number : XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account Number : XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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