BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 XXXX XXXX sent an alleged claim of debt to 'CONSUMER '. As precribed within Consumer Protection Statute, a prompt Notice of dispute was sent to XXXX XXXX. This Notice was recieved by XXXX XXXX via USPS, on XX/XX/2019 ; subsequently XXXX XXXX   were in recipt of a series of NoticesDemanding proof of claim, Full Disclosure, Assurance of Due Performance, Holder in Due Course & Notice of Non Response ( all were provided to EXPERIAN ). 

II. On or about XX/XX/2019, EXPERIAN began reporting this fraudulent account without lawful verfification, and without having any physical evidence on file. For this reason, A Notice of dispute was sent to EXPERIAN, which they received on XX/XX/2019. Also, this account was being reported as an alleged Medical debt. For this reason, a 2nd Notice of dispute was sent on XX/XX/2019 and received by EXPERIAN on XX/XX/2019. 

In response, EXPERIAN provided REPORT # XXXX on XX/XX/2019 : Where XXXX XXXX was certified as having a Balance of {$580.00}, & being past due as XX/XX/2019. For this, a Notice was sent to EXPERIAN, requesting the process of its investigation. EXPERIAN was in receipt of Notice on XX/XX/2019. 

Further, EXPERIAN supplied REPORT # XXXX on XX/XX/2019 : Where XXXX XXXX was certified as having a Balance of {$600.00}, & being past due as XX/XX/2019. Lastly, EXPERIAN provided REPORT # XXXX on XX/XX/2019 : Where XXXX XXXX was certified as having a Balance of {$600.00}, & being past due as XX/XX/2019. 

III. It appears EXPERIAN has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. By continuing to communicate incorrect and defamatory information, as received from this third party. 
XXXX XXXX behavior seems to fall under Section 1031 of the Dodd-Frank Act that bans Abusive, Unfair, and Deceptive acts or practices. And EXPERIANs willful acts clearly, violates FCRAs rules of accuracy, disclosure to consumer, procedure of dispute.

IV. I request the Commission provide equitable relief & remedy, pursuant to Title 12 & 15 U.S.C., in light of the above stated violations, in favor of CONSUMER.

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 2022-08-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
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:
I have been disputing this account for over a year and nothing has been resolved. 
PER 17 CFR 248.7 by law, Fair collections & outsourcing and XXXX were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did .They have been reporting fraudulent information on my consumer report I have sent in police reports and ftc reports and they continue to report illegally to my consumer report. Due to the privacy act of XXXX it is very illegal to obtain my information without notifying me first, I have no knowledge of this account i have no knowledge of who these person are. I have never given this company my information and the way my information was obtain is a privacy act of XXXX concern. Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. I do not want my information in their system due to the privacy act of XXXX. According to 15 USC 1681C-2 They have 4 days by law to remove the information from my consumer report I have sent them an opted out letter last month at this time both companies it is now willful noncompliance 15 USC 1681n .

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 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have tried repeatedly to get all three major credit reporting agencies to comply with the Fair Credit Act when it comes to my credit report. They will not take old information off and when asked to investigate something it always comes back as verified. When I ask for the name and position of the person who verified it and how it was verified, I never get a response back. It is my understanding that this is a requirement of the law. I was going to take the problem to my US Senator but figured I would try here first. I can't remember exact dates, but it has been several times over the years and with all three agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 monitor my credit reporting on a regular basis, and received alerts of hard credit report inquiry pulls for different institutions at the big three credit reporting agencies ( CRA ) ( XXXX, XXXX, and, TransUnion ). These applications were for new credit cards. I put a freeze on all three of my files, as well as a fraud alert. I contacted the financial institutions to let them know and file a fraud dispute for the applications and hard credit pulls, and I contacted each CRA to dispute them. TransUnion was the only entity that refused to open a fraud investigation related to the fraudulent application received by XXXX XXXX XXXX. There were no issues with XXXX XXXX XXXX starting a fraud investigation on their end. TransUnion stated that I had to submit my fraud dispute in writing AND I had to get a letter from XXXX XXXX XXXX on their letterhead and submit it in writing as well agreeing with the fraudulent application. OR, I had to file a police report and submit that with an affidavit with my written fraud dispute to TransUnion. I understand following up in writing, but I dont understand how it is correct or reasonable for myself to acquire third party paper letters, file police reports, etc., to submit at the same time for TransUnion to even start a fraud investigation into the hard credit pull. When I asked the TU agent to escalate the issue and if I could speak with a supervisor or manager about my concerns, the agent said none were available and thats the way it is. The date of the fraudulent hard credit pull at TU from XXXX XXXX XXXX was, Sunday, XX/XX/2021. TransUnion is the only institution that I had any issues with or that refused to initiate the fraud dispute or require third party paperwork. Im the fraud victim. I saved all the screenshots of my online chat with TransUnion.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I has submitted a complaint abo ut   XXXX   XXXX   XXXX   (   XXXX  ) a few weeks ag o Complaint  #  XXXX . I faxed in a request to change the bank account my contribution for my IRA was withdrawn from. Only the account was changing, the amount was to stay the same. The update form was faxed at the end of  XX/XX/XXXX  and would take effect for the contribution on   XX/XX/XXXX  . However  XXXX  attempted to withdraw the money from the wrong account. When I asked why this happened, they claimed it was because they were not sure the amount and defaulted to the account that was previously set up. After this I called my Investment Rep and he sent me the same form I had already sent in, which I returned and  XXXX  was able to correct their mistake.   I received a letter from  Huntington Compliance , where they claim I had requested the withdraw to start with   XX/XX/XXXX  , which is incorrect.  XXXX  made a mistake and while this was eventually corrected, mostly with my pointing out all their errors, this is not acceptable for a large company to make mistakes like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I disputed accounts that were reporting incorrectly on my credit report. After the investigation was completed. I received an updated report from Equifax showing the accounts had been deleted. Well 2 days later all the accounts that were disputed and removed were placed back into my account. Also all my closed student loans that have been consolidated were placed back on to my report as individual accounts. I called the credit reporting agency and was told I need to dispute the items all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX of {$350.00} to open checking account with direct deposit. I fulfilled requirements XX/XX/XXXX and called bank XX/XX/XXXX and XX/XX/XXXX. They have no record and are researching it and insist its {$300.00}. I went to a physical bofa branch, XXXX XXXX XXXX with the promo and it was {$300.00} in bank, {$350.00} online. That's what I did, online. Bofa is a lying money grubbing company.

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 2022-04-04
Company: NRA Group, LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My first request for verification was on XXXX and that was over 180 days and i have yet to receive proper verification from this alleged XXXX debt that it is on my report. Also i never even received the option or the communication needed to rectify this alleged debt. XXXX has not verified this account or anything and i've sent countless letters to them. I need your help because they are ignoring 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 explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I submitted a complaint against Equifax because I can not get access to my account. Equifax claims that account access is resolved as per previous response but entering the email address and password does not get access to the account. I also sent Equifax postal information and have not received received any response or apology from the company. The account access was tested on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
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:
am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX   XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX   ( ORIGINAL CREDITOR : 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 explanation
Consumer complaint received 2018-10-15
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSWORLD SYSTEMS INC
State: FL
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:
In XXXX I took a federal Perkins loan  from the XXXX XXXX XXXX XXXX of {$1300.00}. I graduated in XXXX of XXXX and because of the events that followed in XXXX ( COVID-19, lay-offs, etc ). I was under the impression that this FEDERAL loan was also deferred with my other loans. In XX/XX/XXXX I received a letter about repayment and being late although I had no prior notification. By then I was {$240.00} behind and because I was still not back at work full time due to the pandemic, I had to split the payments through XX/XX/XXXX to be able to catch up. Starting in XX/XX/XXXX I have had auto payment set up with UAS. On XX/XX/XXXX I made a dispute with XXXX when I saw my credit score drop XXXX  points and it was because it kept showing I wasn't making payments or was late and the balance was still high although I checked my UAS account at the time as well as my bank account to show I was up to date. The case was resolved until XX/XX/XXXX when I received a notification that my dispute was reopened ( NOT BY ME ) and that the agency finally updated them. I contacted the university and they also stated that other students have had the same issue with thinking that the federal perkins loan was part of the federal deferment of student loans when COVID-19 hit and stated there was no assistance due to the pandemic either. They also said they had my wrong email and mailing address which is why I never received notification of when I was supposed to be making repayment and so on my credit report it just seems like I was late for 6 months ( XXXX XXXX ) for no reason. They updated my information on XX/XX/XXXX and was told nothing else could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: ENOVA INTERNATIONAL, 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:
There is an account that is being reported on my XXXX Credit Report that should not be. The account is as follows : NET CREDIT Account # XXXX Sold To : XXXX XXXX XXXX. This account does not belong to me. Net CreditXXXX XXXX XXXX XXXX a Civil Suit against me regarding this account. I did not know the source of their information on this account and due to this the case was dismissed in my favor in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I mailed out 4 letters to XXXX on the following dates ( XXXX, XX/XX/XXXX, XX/XX/XXXX ) requesting for the removal of this account with copies of the XXXX XXXX. Each time XXXX sent a letter back to me stating " that the company that reported the information has certified to XXXX that the information is accurate ''. In my last 2 letters to XXXX ( XX/XX/XXXX, XX/XX/XXXX ) I requested they provide me with the actual proof the information was verified, not a computer generated confirmation in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. I also mailed a letter to Net CreditXXXX XXXX XXXX on XX/XX/XXXX requesting they remove this account from my Credit Report and received no response. I would like this account removed from my XXXX Credit Report as it is highly injurious to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was in a accident on XX/XX/XXXX and filed a total loss claim with Bridgecrest on XX/XX/XXXX providing them XX/XX/XXXXinsurance company information and also confiriming my GAP coverage through them. I was told at this time that Bridgecrest was  responsible for notifiying and filing the GAP coverage. I was notified by XXXX that they sent a check out to bridgcrest XX/XX/XXXX for {$12000.00} and XX/XX/XXXX for {$180.00}. BridgeCrest held both checks for a lengthy amount of time causing me to occur two late payments XX/XX/XXXX and XX/XX/XXXX. I found this out when my home loan was deneid due to the late payments, I also recieved a higher interest rate on a car loan due to these late payments. Now that the loan is finally paid off, Bridgecrest removed the late payment for XX/XX/XXXXbut have left an late payment on different reports for XX/XX/XXXXXX/XX/XXXX, while reporting XX/XX/XXXX on others. According to FCRA it is against the law to report inaccurate information to my credit report, which in this case my rights has been violated twice with damages. I am asking that the company remove the late payments for dated XX/XX/XXXX and XX/XX/XXXX from my credit reports. This was I can continue my home purchase. I have asked for detailed account information as well but was deneid.

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 2020-09-25
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In late XXXX i received written notice from XXXX XXXX  that XXXX would be the final month of them holding my loan as it was being sold to Shellpoint Mortgage. I received my XXXX mortgage coupon from XXXX in the mail and returned it. 

On XX/XX/XXXX I noticed that my mortgage check had not yet been cashed but thought nothing of it. On XX/XX/XXXX Shellpoint collections called asking for their payment. I provided the above information but the customer service rep was ineffective and unable to address the issue. Additionally, prior to the collections call, I had received zero written or digital communication from Shellpoint. In simplistic terms, their initial interaction was to punch me and threaten my credit. Nice to meet you too <skeptical side eye> I have also reached out to XXXX for clarity on this issue. 

Regarding the submission of a loan number and account number so that in forwarding this complaint to Shellpoint they can address my situation .... I have nothing. See comment about having received zero communication from Shellpoint, I have no idea what my account number is, or a loan number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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 pulled my credit report earlier this year and noticed there were several errors on my report. The first account listed was a car note reporting multiple late payments. Initially I sent a verification letter to all 3 bureaus on XXXX XXXX. XXXX responded with a frivolous letter stating I needed to prove the validation letters were sent by me. When I sent my validation letters, I attached my Drivers license as a form of identification, however because the responses stated I needed to provide addition proof, I sent a follow up letter confirming I was requesting validation on XXXX XXXX with my Drivers license again. In addition, I never received a response from XXXX or Equifax regarding my verification letter, in turn I sent a follow up letter on XXXX XXXX as well to XXXX and XXXX requesting a this account be deleted since not validation had been completed. My third letter I sent was dated XXXX XXXX, stating how I never received any responses and requesting a deletion of this account if it could not be validated. To date i still have not received any responses regarding the late payments being reporting or an update. In addition, there are several collections account listed on my report as well. I have requested validation of these account on, and still have not received a response. i sent two letters to both Equifax and XXXX. I have attached all of my documents.

Company response to consumer: Closed with explanation