BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I was n't protected under the wage earner law as I should have been. My case numbers are  XXXX  &   XXXX  . My drivers license have been stolen, social security card stolen. All of my former employers have been changed without my knowledge. With all   XXXX    credit agencies. I learned from the FBI this is an inside job.   XXXX   XXXX   XXXX   XXXX   is my last employer, their ein number is   XXXX  . The company amended and restated all of my tax returns and made themselves my conservator. They was n't reporting my payroll correctly.   XXXX   XXXX   was n't reporting taxes on me. Someone within the company have my identification and is abusing it with the credit union. I was with the credit union before the hostile take over Of The company in  XXXX .   XXXX   XXXX   was directly involved with my personal information. She resigned when the  XXXX  went to the company and pulled my employee records in  XXXX . She stole my retirement pension in  XXXX . The company is a  XXXX . The   XXXX    Family is also abusing my identification. I had funds payroll deducted to pay my creditors every week until I was discharged. Money was being stolen from the courts.   XXXX   XXXX   posed as a paralegal with the   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 explanation
Consumer complaint received 2017-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Account listed under  XXXX  states I am paying as agreed. Account is included in bankruptcy with no negative balance prior.

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 2016-06-14
Company: Argon Credit
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This account is paid in full and verified by XXXX as paid in full on XXXX XXXX, 2016 ; however, the creditor a month later reported inaccurate, bogus balance information and late payments on my XXXX credit report. I disputed, again, with XXXX a month ago, and just today, XXXX XXXX, 2016, XXXX deleted the bogus item from my credit report, but Argon Credit reported this bogus item to XXXX, today, in retaliation.

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 2016-10-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
i paid in full they said they update to reflect payment as of new update XXXX/XXXX/16 Status : CHARGE-OFF Amount Past Due : {$430.00} Date Reported : XXXX/XXXX/2016 status should be paid in full and amount due 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 2017-07-17
Company: Experian Information Solutions Inc.
State: AL
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   has reported that I have a store credit card with them and it just hit my credit reports. I do not have a   XXXX   card. I contacted them over a month ago and told them to close it the day after being approved and they assured me that the account was closed with them. Here it is over a month later and it 's posted to my credit report and there is no account with them.

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 2017-07-17
Company: EQUIFAX, INC.
State: AL
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  has reported that I have a store credit card with them and it just hit my credit reports. I do not have a  XXXX  card. I contacted them over a month ago and told them to close it the day after being approved and they assured me that the account was closed with them. Here it is over a month later and it 's posted to my credit report and there is no account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On my credit report showed debt owed that was not mine. I do n't think about checking my credit report since I keep up with what I spend or bills I have. So sad and very upset this has happened. Would not have known, but looking for a house and lender spotted it. Today i spoke with a representative about filing a complaint. She was extremely kind. Three hours later! So glad she was out there to help!! Now though it hurts the interest rate locked in we can get for the house. Be wise and and put checking your credit SCORE on your to do list!!! Most definitely.There are more steps to take in making this good. Hoping and praying they make it right!!

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 2017-02-01
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Tax Lien information on all XXXX reports is incorect I am making payments

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 2017-04-03
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a collection account on my credit report that does not belong to me. I have no contract with 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 2015-08-09
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have sent them " comments '' that they allowed me to send but they do not ask for my email so they obviously will not attend to it because they have no way to reach me. I gave them my SSN twice and I am concerned that they are legitimate. They are annualcreditreport.comthank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
i opened an account with XXXX XXXX in XX/XX/XXXX and the account was closed on XX/XX/XXXX.This is a negative account that has been on my report for 9yrs now.I ordered my report on XX/XX/XXXX.I received on or about XX/XX/XXXX.As i was reveiwing my report, it appears that this account has been re-aged.The ( DOFD ) " date of first deliquency '' shows XX/XX/XXXX when in fact the original first delinquency is XX/XX/XXXX.I do have supporting documents and a complete payment history on this account from XXXX XXXX supporting this fact.Under the per FCRA, this is a very serious violation.My EXPERIAN report DOES NOT state when this item will be removed 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 2017-07-17
Company: First Federal Credit Control, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
FIRST FEDERAL CREDIT CONTRO L, INC.     XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX  OHIO  XXXX  ACCT. #  XXXX  FOR {$240.00} * Is attempting to collect on a debt reported as fraud to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX .   The insurance company is investigating this as fraud due to improper billing paid by the insurance firm. Also, advised never to go back to this  XXXX   XXXX ,  XXXX .    * T his is Disputed as  Fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX merged my account with someone who has almost the same name as me and she opened a auto loan that is showing up on my credit scores.

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 2021-01-18
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: Information belongs to someone else

Complaint:
All the accounts on my Report are Fraud I Never give Authorization to anyone to open these accounts I'm very stress out about this situation Please help me Resolve this matter

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 2016-06-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
a tax lien for {$1200.00} is reporting on my credit, it does n't belong to me

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 2016-04-05
Company: Kriya Capital, LLC
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Have received collection notice but never received a bill from the supposed creditor.

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 2017-07-17
Company: EQUIFAX, INC.
State: AR
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:
Since I have disputed all of and any payments, agreements, wet ink signature, balances and debts of false info no response of lawful investigation.
Also There is recorded conversation call that supports the no lawful proof of verification claim by the Equifax rep.
Account #  XXXX ,   XXXX   XXXX    XXXX  Dates provided upon request my phone number and Email listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Waterfall Revenue Group
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A federal agency had already paid the debt to the original collector  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is the second Cease and Desist letter that I have sent to Select Portfolio Services and   XXXX   XXXX   XXXX   ( a fraudulently substituted trustee ) attempting to foreclose on a Deed of Trust recorded on  XXXX   XXXX , 2007. Both are acting in concert and with the help of a fraudulent and robo-signed Assignment of Deed of Trust executed and recorded at the   XXXX   XXXX   XXXX   XXXX   by   XXXX   XXXX   XXXX   who is not a party to my Adjustable Rate Note and my Deed of Trust.
 XXXX 
I have also sent a Qualified Written Request and they turn around proceed with the TRUSTEE SALE without appropriately responding to my QWR and Cease and Desist Letter.
 XXXX 
I have disputed the validity of the debt, the Assignment of Deed of Trust and the Substitution of Trustee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: EQUIFAX, INC.
State: OR
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 disputed a judgment and  XXXX  collection accounts on my credit report with each of the   XXXX   consumer credit reporting agencies :  XXXX , Equifax, and  XXXX .   XXXX   immediately removed the errors from my credit report and increased my credit score appropriately. Equifax removed the inaccuracies a week later but did not increase my credit score appropriately.  XXXX  would not let me dispute the inaccurate judgment online, I had to call and speak to several people, and finally was given the ability to submit my dispute over the phone. 24 hours later I received notice that the inaccurate judgment was removed but my credit score was not appropriately increased. I am still waiting for  XXXX  to finish their investigation of the inaccurate collection accounts and I was told over the phone that their process of investigation is simply asking the company that reported the information whether it is correct or not. They told me they do n't require any evidence, only a verbal confirmation and they do n't actually do any investigating at all. I was shocked and felt quite powerless hearing this news.
 XXXX 
I know the judgment caused my credit score to go down and I feel it should go immediately up after being removed especially since it was an inaccurate negative mark. I also know the same to be true with the  XXXX  collection accounts.
 XXXX 
I would like help getting my credit score appropriately increased right away after the inaccurate judgment was removed, and the inaccurate collections were removed. I do n't think it 's fair that I finally got the inaccuracies removed but they are not increasing my score with the removals. It 's already caused me to not qualify for my refinance loan and I am feeling powerless against Equifax and  XXXX  refusal to correct their inaccuracies.   XXXX    was the only reporter that appropriately increased my score with the removals.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: U.S. BANCORP
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filled a complaint before seeking some documents from US Bank. I have since received such documents. This complaint is as a result of the information in the documents. 
====== I got a balloon mortgage in XXXX XXXX for {$290000.00} at 4.5 % with monthly payments of {$1400.00}. US Bank is the mortgagor. In XXXX XXXX, the balloon amount/remaining principal in the amount of {$250000.00} was refinanced at 6.135 % with monthly payments of {$1700.00} and the last payment was due on XXXX/XXXX/XXXX. 

The terms of the loan was changed without my knowledge or consent sometime after XXXX XXXX by US Bank - monthly payment was increased and loan maturity date was also changed to XXXX/XXXX/XXXX. 

Also, between XXXX and XXXX, my principal balance went from {$290000.00} to {$250000.00}. However, from XXXX to present, my principal balance only went down rom {$250000.00} to {$240000.00}. I know the interest rate went from 4.5 % to 6.135 %, but interest rate alone does not explain this minimal drop in principal. 

I have attached documents showing - Original balloon loan in XXXX for the numbers indicated above. 
- The XXXX refinance showing the figures indicated above. 
- The XXXX XXXX mortgage statement that shows my maturity date of XXXX, principal balance and monthly payment amount. 

Meanwhile, I applied for loan modification and was offered a XXXX loan with payments of $ XXXX. Also they may foreclose on the house. 

I seek a modification of my mortgage, balance and monthly payments reflecting the agreement I signed in XXXX. Also, I want to keep my house. 

Thank you.

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 2017-07-17
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On   XXXX   XXXX  , 2017 Chase bank sent me a letter : " The total payoff amount due for your mortgage is {$14000.00}. This amount is good through  XXXX / XXXX /2017.
On   XXXX   XXXX  , 2017 I went to Chase Banks branch #   XXXX   to pay off my mortgage #   XXXX   and paid {$14000.00}. However as of my mortgage was transferred to   XXXX   XXXX   XXXX   XXXX   on   XXXX   XXXX  , 2017, and Chase bank had reported to a credit report that my account was transferred to another service, this is incorrect. I keep calling to Chase bank to complain this matter and always get the answers : '' Your mortgage was transferred to   XXXX   XXXX   XXXX   XXXX  , not on Chase bank so we can not do anything to help you ''.
This is very frustrated any time I called them, please help me to solve this problem.
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Regards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My credit score dropped from  XXXX + to less than  XXXX .   XXXX   XXXX   reported an account belonging to my ex-wife on my score. I was divorced in  XXXX . The account was opened in  XXXX . My ex-wife died in  XXXX  and the account went past due.   XXXX   XXXX   has never sent me a statement, past due notice, or notice of adverse action. They just ruined my credit. I have called, written letters, and followed their formal complaint process. The amount is {$1000.00}. plus interest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
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: Information belongs to someone else

Complaint:
My credit score dropped from  XXXX + to less than  XXXX .   XXXX   XXXX   reported an account belonging to my ex-wife on my score. I was divorced in  XXXX . The account was opened in  XXXX . My ex-wife died in  XXXX  and the account went past due.   XXXX   XXXX   has never sent me a statement, past due notice, or notice of adverse action. They just ruined my credit. I have called, written letters, and followed their formal complaint process. The amount is {$1000.00}. plus interest and fees.

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