BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I set up a MyEquifax account long ago to freeze/unfreeze credit. Several weeks ago I tried to unfreeze my account and I couldn't access the account. I contacted customer support several times and they had to manually unfreeze the account. They kept giving me links to reset my account so I could do it myself but each time I received a message that " we are temporarily unable to complete the request. '' I tried to reset my password, and received the message : " No Account Found. '' I tried to set up a new account, and received the message, " Email already in use. '' I called again the next day, same routine, same message. And then again ... and again. Finally I demanded they resolve this, so they gave me a case number and claimed they kicked it up to the speciality department. I called back a week later, and they said nothing had changed. They told me they could not connect me to the speciality department. They sent more links to reset, same thing. Then I complained on social media and via DM an Equifax rep said someone would probably get back to me within 2 days to discuss my situation. A week later nothing. I can not understand why the company can't resolve this situation. Seems to be something is rotten in XXXX, er, at their HQ, wherever that might be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
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 received a letter from Nelnet stating my student loan was delinquent back in XX/XX/2021. I called Nelnet to figure out what was going on because Student Loans were on deferment due to the XXXX XXXX. I requested a forbearance for XXXX days while I wait for the paper work to place the loan back in deferment. While waiting on the paper work, my account was reported to the Credit Bureaus as delinquent XXXX days past due. I called Nelnet to see how this could happen when I requested the forbearance for XXXX days and was waiting on the Income Repayment Plan paper work. No explanation given and knocked my XXXX XXXX down XXXX points with each credit reporting agency. Talk to a rep at Nelnet to see why the Student Loans were excluded from deferment when it's not a private loan and why it was reporting delinquent during the Pandemic. Got nothing resolved with Nelnet. Disputed this delinquent status with all three bureaus and it still remains on my credit report as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lived in XXXX XXXX Apartments at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I gave a proper two-month notice, and left according to the terms of my lease. On XX/XX/XXXX I received notice from my credit monitoring service that I had been turned over to collections regarding XXXX XXXX XXXX. I disputed this, and on XX/XX/XXXX XXXX completed their investigation and would not take the collection item from my account. 

XX/XX/XXXX I was notified by Hunter Warfield that they were trying to collect a debt for XXXX XXXX. I responded to them via certified mail on XX/XX/XXXX stating that I did not owe this debt. I have attached this as CORRESPONDENCE # 1. 

Their reply finally came on XX/XX/XXXX, and I have attached this as CORRESPONDENCE # 2. 

Also, XX/XX/XXXX I received similar debt correspondence from the firm of XXXX XXXX XXXX XXXX XXXX. I replied to them via their provided fax number on XX/XX/XXXX asking for backup for the debt they claimed I owed. I have attached this as CORRESPONDENCE # 3. 

I never received an answer from XXXX XXXX XXXX XXXX XXXX, but starting XX/XX/XXXX I have been receiving sporadic resolution offers from Hunter Warfield trying to collect a debt from me from XXXX XXXX or XXXX XXXX, depending on the month apparently. I have attached this as CORRESPONDENCE # 4. 

As you can see from all the documents back and forth I have repeatedly asked for proof that I owe this debt. I asked numerous times for backup documentation that I owe thousands of dollars in damages, and just keep getting the same runaround.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-25
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
Hi, I've disputed 3 accounts that shouldn't be on my credit report multiple times with XXXX  and the collection agencies listed below.

I've sent letters to both XXXX  and the collection agencies, expressing my concerns of the inaccurate negative events that has been listed on my credit report.

I'm trying to by a house for my family, i'm only XXXX  yrs old, and these inaccuracies are hindering me from building a foundation for my family. XXXX  has removed these unjustified accounts due to the collection agencies not be able to verify the accounts, so how is it that XXXX  say they are accurate?

I specifically asked XXXX  and the collection agencies both, to provide me with any and all documents that were used to verify these inaccurate accounts they've listed on my credit report. The collection agencies hasn't responded, I haven't even received any kind of communications from the collection agencies, only a negative on my report, and neither has XXXX.

XXXX  hasn't provided me with a response to when and how did they verify these accounts. I feel as if XXXX, isn't a neutral party to disputes for consumers, they seem to take the word of collection agencies without actually investigating disputes.

I would like for XXXX  to show proof of how they came to the conclusion that the negative events they've listed on my report is accurate, but if they can not, I am requesting the negative events listed below to be removed immediately! Because a name and a balance isn't proof that a individual owes a debt.

I think XXXX  makes bad faith decisions and are not properly investigating disputes. The certified letter that I sent XXXX  on XX/XX/XXXX that they received on XX/XX/XXXX clearly states, that I am requesting proof of the negative event and proof of how they verified the negative event as accurate, which I haven't received, even though the disputes are completed, yet remain on my report.

Please have XXXX  remove these 3 negative events, they are really hurting my life regardless of how hard I work.

Im trying my best to refrain from legal action against XXXX, but it seems inevitable, because I all honesty, inquiries and denial letters randomly starting showing while they were being hacked in XX/XX/XXXX, so this is more than likely their fault. Regardless, please have them to remove these negative events that they are wrongfully listing on my credit report. 


( NEGATIVE EVENTS - COLLECTIONS ) XXXX XXXX  Account number XXXX PORTFOLIO RECOV ASSOC Account number XXXX PORTFOLIO RECOV ASSOC Account number XXXX Please remove these negative events immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX XX/XX/XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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: Information belongs to someone else

Complaint:
There are some fraudulent accounts on my credit, I have sent 2 disputes to XXXX, XXXX, and transunion. The main concern is the accounts on the FTC reports I sent to them. They have been on my credit for a long time and I can not seem to get rid of it, they didnt even acknowledge the accounts as fraud. They didnt block the accounts withing 4 business days of recieving the disputes. please help

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 2020-07-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have tried multiple times to dispute inaccurate information on my XXXX, equifax, and XXXX credit report.I have ask both companies to send me any documents with my original signature, or proof that shows that this is my account. This inaccurate account is hindering me from getting my career started. I have never filed for bankruptcy. 

All three bureaus are reporting that I filed for bankruptcy. Please delete this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
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: Information belongs to someone else

Complaint:
Last XXXX I've sent disputes to credit bureaus about the issue that my account was fraudulently used without my permission. I was so stressed over the months now I got a low credit score!. I need help to solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Experian Information Solutions Inc.
State: OR
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:
ON XX/XX/2017 5 letter were drawn and sent certified mail to Experian, XXXX XXXX, XXXX, annual credit report and CFPB My Social Sercurity was incorrect and needed to be corrected with all credit report bureaus. 
XXXX  is the only Bureau that corrected the issue. 
It has been 6 months since letters and info was shared and I need to refinance my car and apply for a rental ... 
I need my SS # to be corrected within the credit reporting Bureaus so that I can move on in life. 
I do not know what else I need to to do, to get this done..

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 2022-05-02
Company: Rocket Mortgage, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Summary : Rocket Mortgage promised they would be able to match a competitors quote for a mortgage loan, and over the course of several weeks transferred me between different brokers at the company without making good on their promise, to run out the clock before the Settlement/Closing Date so that I wouldn't switch lenders. At the last minute Rocket denied my request to match the competitors quote.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Seterus, Inc.
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Although I had paid the loan ahead onXX/XX/XXXX in the amount of {$5800.00} for a {$350.00} a month mortgage, I continued to pay ahead and made another payment of {$3100.00} on XX/XX/XXXX which should have paid my mortgage up throughXX/XX/XXXXI am now getting foreclosure letters dated XX/XX/XXXXstating they well be attempting to take my home in a few weeks. This is absurd and I will be contacting an attorney to have the entire loan negated if not resolved immediately and my credit record repaired. The Foreclosure Specialist, XXXX XXXX, also needs to contact me personally to resolve and avoid further litigation. I am tired of big business stealing from citizens at every opportunity.

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 2022-05-02
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I received a letter from Discover for my account being closed for any of these XXXX reasons per the companies letter. 
Your discover card account has been inactive for XXXX months or longer and/or account has been closed. 
I called customer service about XXXX weeks ago they were basing everything around XXXX. When the last purchase I did was in XX/XX/XXXX. About less than XXXX  months the account was closed due to inactivity. Today I reached out to their account review department, where they state that after XXXX months of inactivity they can close the accounts. Issue with this, hits my credit for no reason and I never received a warning my account would be closed due to inactivity. Tried talking to XXXX at the Account XXXX department to try to get my original credit line to just getting the same speech of the account being closed after XXXX months even though their letter to me stated XXXX months or longer. I tried applying to get a new credit card but the limit is only XXXX when I originally had {$8500.00}. I cant get an increase because of insufficient experience with current discover credit limit. This is based on the {$3000.00} credit card, not on my previous experience with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Earlier this year I filed a complaint in regards to us bank. 
I'm not sure how the timing works. 
I didn't have access to exactly all of my old paperwork due to family funerals and the house of my family getting burglarized several times where majority of my old paperwork was stored. 
I had an account with U.S Bank in XXXX. 
I applied for a card to build MY CREDIT through XXXX XXXX on XX/XX/XXXX. 
I payed XXXX XXXX 
My card was not charged until XX/XX/XXXX. 
I called XXXX XXXX and they said they refunded the money and did not tell me why. 
The exact same week I get a letter of insufficient funds. 
On XX/XX/XXXX I got a refund. 
I was not given an opportunity to pay the {$46.00} WHEN I WENT INSIDE THE BANK IN PERSON, NOR keep my account open. 
I RECIEVED AN odd all XXXX XXXX XXXX XXXX in XXXX that year from the XXXX XXXX  stating my account was closed. 
I tried to pay it again and asked if I could pay it and open a new account and was told I could not. 
I had no choice except to eventually go down the streeXXXX and open an account at XXXX XXXX XXXX XXXX WHERE MY ONLY OPTION WAS " SECOND CHANCE CHECKING '' I DIDNT LIKE HAVING TO DO THAT BUT MY ENTIRE FAMILY USED XXXX XXXX XXXX XXXX XXXX I TRUSTED TO USE THEM. 
THIS YEAR I found paperwork to a trust account for myself that my grandmother had put up for me XXXX XXXX 
When I searched all the places that took over XXXX bank it turned out To be XXXX XXXX now. 
The XXXX sent me a letter after I inquired with fdic about the trust account that stated I had not applied to XXXX XXXX XXXXor credit since XXXX and was denied. 
I applied on XX/XX/XXXX and payed and the money was refunded. 
XXXX letter from the XXXX was addressed to Mr. then another one to Ms XXXX more distortions. 
I am a woman, was born a woman. 
I do not have a guardian, at least not to my knowledge. 
Back to U.S. bank I RECIEVED AN email in XXXX stating that my address on my account was updated. 
I did not have an account, my account was CLOSED IN XXXX OF XXXX IN XXXX I BELIEVE SOMEONE FRAUDULENTLY FILED GUARDIANSHIP OF ME. 
I WAS IN THE THE ER ON XX/XX/XXXX THIS YEAR I WAS TRICKED INTO SIGNING A BLANK GUARDIANSHIP, I WAS THERE FOR AN INJURED ARM. THE WOMAN TRIED GIVING ME DRUGS, WOULD NOT LOOK AT MY ARM AND SENT ME HOME WITH PAPERWORK FOR AN INJURED LEG AND WRONG INSURANCE INFORMATION. 
I FEEL WHO EVER IT IS THAT CHANGED MY INFORMATION IN US BANK IN XXXX has something to do with this entire issue BECAUSE I HAVE HAD ISSUES TRYING TO GET ANY OF MY INFORMATION FROM SEVERAL BANKS.

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 2022-01-20
Company: Experian Information Solutions Inc.
State: LA
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 uploaded documentation proving I was never late on my car payment and was granted an extension. XXXX and XXXX updated my account to paid on time but experian has refused to remove this inaccurate late payment and told me due to internal policy they will not remove or update the inaccurate late payment. 
Even after I supplied proof from my lender showing I was never late

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 2022-01-20
Company: Kriya Capital, LLC
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: Information belongs to someone else

Complaint:
Do not have a contract with this company. Requested information with my signature however this company has not provided proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: MI
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 sent the company document to verify that they did not verified the credit I credit report due to several freeze and I also sent a certified letter to Experian also.

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 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
We had a tax lien on our report from XXXX. In XXXX of XXXX the lien was paid. The lien was not released until XXXX of XXXX. Please see attached documents that show paid and release dates. It also mentions cancelled from record. These have already been removed from all three bureaus, this is still showing up on my XXXX and Transunion. Thank you in advance for your assistance.

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 2018-05-31
Company: EQUIFAX, INC.
State: NJ
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:
On or around XX/XX/XXXX, I discovered that a company called XXXX added an entry to my Equifax credit report claiming I owe them approximately {$19000.00}. 

On XX/XX/XXXX, I sent XXXX a letter via Certified Mail Return Receipt, to the address for them listed on my credit report. 

The letter asked XXXX to verify the debt ( see attached ). They did not respond. 

After disputing this entry on my Equifax credit report, I received written notice from the bureau on XX/XX/XXXX ( attached ) that it was not reporting on my credit file. However, the XXXX entry was never removed. 

On XX/XX/XXXX, I sent a letter to Equifax via Certified Mail, Return Receipt ( # XXXX, letter and receipt attached ) indicating that I sent a letter to XXXX, received no response and therefore request again that the item be removed. I included a copy of the XX/XX/XXXX letter and the return receipt. 

Equifax responded that they would not remove the item, disregarding my documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: TX
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 have unauthorized inquiries on my credit report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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  XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: DISCOVER BANK
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Around mid XX/XX/2020 I called Discover to dispute a charge of {$760.00} on my checking account ( debit card ) which was made from XXXX on XX/XX/2020 due to services not rendered. The representatives refused to help me dispute the charge every time I would call saying it was against their regulations to dispute this charge. I did call back around XX/XX/2020 and asked them to dispute it due to fraud. They disputed it, but later denied it on XX/XX/2020 and reversed the provisional credit. I feel this is negligence on Discover for not allowing me to dispute a charge when I did not receive the services which is considered fraud. I would like to dispute this using  charge back code XXXX for services not rendered. I also feel it is discrimination and unfair because I used my Discover credit card to pay XXXX  and they disputed and approved my refund. However, the same bank wont do the same on my checking account I have with them which is contradictory. Please assist with this matter.

Company response to consumer: Closed with explanation