BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
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 sent Equifax numerous letters disputing an alleged bankruptcy that this company continues to erroneously report on my Equifax consumer report. I have given them ample time to rectify this issue but they continue to report this information as verified. I have sent them multiple requests to delete the information because of inaccurate information. They continue to report the information as verified and correct. I have submitted supporting documentation to prove that the information they are reporting is inaccurate, still, they refuse to delete the inaccurate information and continue to report it on my consumer credit report. After viewing my Equifax consumer credit report, I noticed that they claim to have gotten the alleged bankruptcy information from a third party collection agency named XXXX XXXX. I have reached out to XXXX XXXX to get a copy of my XXXX XXXX Consumer Report. Under Section 9 which is the public record section, there is no bankruptcy listed on my XXXX XXXX consumer report. I pull the XXXX XXXX report on XXXX-2020. However, in XX/XX/2021, they are still replying to my dispute as accurate and verified. I have sent Equifax the supporting documents as proof of no Bankruptcy listed on my XXXX XXXX consumer report and they still continue to report the item as accurate and verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 accounts listed below have 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 an account without my written instructions. 

Accounts Violating My Rights : - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX XXXX  - Account # XXXX - XXXX XXXX XXXX - Account # XXXX - XXXX XXXXl XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX  XXXX XXXX Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX  - Account # 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 2022-05-15
Company: EQUIFAX, INC.
State: CA
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 XXXX  Account/ XXXX XXXX acct # XXXX / XXXX XXXX XXXXXXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX  ( credit union XXXX acct # XXXXz 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 2it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Experian Information Solutions Inc.
State: SC
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:
Reporting information that should not be reported on my credit. 

I do not owe XXXX XXXX {$1200.00}. I got a letter from them stating my balance is {$0.00} WHY ARE THESE CREDIT REPORTING AGENCIES REPORTING THIS INFORMATION? 

UNDER 15 U.S.C. 1681c ( a ) Information excluded from consumer reports ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status... 

THE NAME HAS NOT BEEN EXCLUDED FROM THESE REPORTS.

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 2021-02-08
Company: Experian Information Solutions Inc.
State: MI
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:
I contacted Experian, XXXX and XXXX  back on XX/XX/2020 regarding information that was was reporting incorreclty on my crdit file. The information was removed from XXXX so when it was not updated with Experian, and XXXX, I contacted them and have yet to see results. I have called and written and yet this information is still on my 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 explanation
Consumer complaint received 2016-05-25
Company: Ditech Financial LLC
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Ditech Sent the Complainants a Fraudulent Foreclosure Notice Complainants lodged routine inquiries about late charges and HAMP program performance irregularities with Ditech. Instead of responding subtantively, Ditech retaliated in a hostile manner and threatened the Complainants with foreclosure. 
Complaints received a certified letter on XXXX XXXX, 2016 ( dated XXXX XXXX, 2016 ) that was styled as " Texas Notice of Default and Right to Cure. '' The notice purports Complainants are two months behind on their lien payment. In fact, on the day this letter was mailed by Ditech, the Complainants were only 17 days past a XXXX XXXX, 2016 due date on ONE SINGLE payment. 
Full Text of Complaint is Attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions 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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 explanation
Consumer complaint received 2021-12-30
Company: EQUIFAX, INC.
State: MI
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:
my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. This is false and misleading.

This alleged debt has not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Did not inform me i could dispute the validity of this account reporting on 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 explanation
Consumer complaint received 2015-09-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was in an automobile accident, not my fault. The other driver received violation for running a red light at XXXX, totalling my car, which was paid off. Due to existing health issues, job loss and already battling a home foreclosure at the time. My credit score was not what lenders liked to see ( now I 'm starting to think maybe they do ) higher interest rates, excuses to take advantage and collect money. As I explained my situation to Toyota Finance, which I located them due to researching the same BMW x3 that was just taken from me. I arrived to see BMW x3, mind you I suffered a concussion and was badly hurt but I was pressed for time before I had to hand rental back over. After arriving at Toyota XXXX I never even seen the BMW X3 I somehow left with A XXXX Camry SE after putting XXXX down and leaving with a XXXX a month car payment. My foreclosure XXXX mortgage was XXXX a month which I explained, I did need a car and the sales guy was great but having no payment, car accident, and so on, I said that was high, he had said I could refinance to a lower rate in two three months. So I left, today I was denied auto refinance, car is behind about to lose it, I paid on XXXX XXXX They said I did n't and I thought at that time I double up on two more and I would be caught up. I also asked for them to please put a payment on back end, I said this is crazy, I 'm driving a car that i had to just " settle '' I was hit by a women who was being irresponsible and I 'm stuck with an outrageous monthly payment driving a car that reminds me of a terrible, frightening moment in my life that I was told to refinance in a few months. Coming up on a year XX/XX/XXXX since my accident, I 'm still driving car, credit shot, and dealing with everyday phone calls, and awaiting a repocession. I do what I 'm advised to do. I believe there is some confusion on last payment, I also tried to get a pay off and it is coming in over XXXX that 's insane I was told by another dealer and a state farm agent. I just ca n't understand how this is ok. Thinking back they had said good news, huge REBATE and he said sign here, I did well GREAT NEWS was n't for me, it was for lender. After I signed it was scooped up and I was told that 's not for you, for me. I was disappointed but they actedas if I was getting this great deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-05-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2022 my Paypal XXXX  was permanently limited by the company. The company did not even tell me the reason why my account was permanently limited. I have XXXX in said account. It is my 2nd account that was permanently limited. What they did to my first account is they took all the money after 180 days allegedly as payment for the damages which i dont know. I hope you can help me restore my account because i am not in any way involved with any fraud. If they suspect that i am involved in a fraud, i am willing to cooperate Here is my paypal account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
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:
I HAVE 25 HARD INQURIES ON MY EQUIFAX THATS NOT MINE EVERY TIME I CONTACT THEM THEY TELL ME IT WILL BE DELETED IN 24-72 HOURS I BEEN DEALING WITH THIS ISSUE FOR MONTHS ALSO THEY KEEP TELLING ME ABOUT A FTC REPORT AN THEY NEVER SENT I ALL 2020 ALSO I HAVE A ENTERGY BILL ON MY REPORT THEY REMOVE THAT ACCOUNT AND THE 25 INQURIES OF MY OTHER REPORTS ONLY EQUIFAX GIVING ME A HARD TIME IM TRYING TO GET BUSINESS FUNDING LOST EVERYTHING DURING THIS PANDEMIC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX I received a phone call from a unknown number on my caller id. They left a voicemail on my phone and then called my husbands phone and left a voicemail. 
I called and the gentleman I spoke with name was XXXX. It was a lady who had left the voicemail stating a notice of intent coming out of my county XXXX XXXX ) her name was XXXX XXXX and told if I did not respond they would move forward with action against me. 
When I called he told me it was in regards to a debt from a credit card from XXXX. I asked about the statue of limitations and he said it didnt apply to this because it was filed in XXXX. 
I told him I could settle because he told me that court costs would be over {$7000.00} in attorney and court fees and the amount owed was {$1900.00}. I said I could set up {$50.00} payments. He emailed me two documents. I signed the first one stating the conditions of the agreement and when I got to the second document to input my card information my husband had seen online that it was a potential fraudulent company. I hesitated and did not fill out the form. 
I would gladly pay the debt if it is credible law firm. But when I looked on my credit karma app, I could not see any amount owed from this citi card on my credit report from XXXX. So Im trying to verify this companys authenticity before I input any credit card information. I hung up due to my phone dying and called the local phone number that was on the webpage and that was different than the toll free number in the voicemail which this guy answered both. And he wanted to stay on the line with me while I input my credit card info. He called me and left a voicemail saying they would only be there today until XXXX and wanted to take a deposit today. But they called me again at XXXX to collect deposit. 
Initially he did not tell me what credit company he was calling to collect. I had to prompt him. I was not given any indication of a recorded line, account information ect only a 6 digit reference number. 
I did not complete the second form to turn in my credit card information. I would like to verify it is a legitimate company attempting to collect a legitimate debt.

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 2016-12-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am being declined for a loan product because of a foreclosure filed on public record on XX/XX/XXXX, which I was not made aware and was illegally proceeded by Wells Fargo. I was in discussion already with Wells Fargo to re-modify the existing loan due to my special hardship circumstance during the Financial Crisis ; and I was already approved by Wells Fargo for a Special Forebearance Plan by XX/XX/XXXX. Wells Fargo illegally proceeded with a Foreclosure filing, while we already had agreement on a loan restructure. I understood in my discussion with various Wells Fargo representatives ( some even violated my rights under FCDPA, which I previously reported to this Bureau but to no avail ; refer to CFPB # XXXX ) that my house would be protected from foreclosure, as I worked diligently and forthrightly during the loan re-modification process with Wells Fargo. 
As this Bureau did not reprimand or penalize Wells Fargo for their prior FCDPA violation against me, I beseech your assistance now again removing the illegal foreclosure that Wells Fargo has filed against me and is negatively impacting my credit history and preventing me to qualify for a home loan. 
It is so unfair, especially as I fulfilled all my loan obligations with Wells Fargo for the previous home loan. Wells Fargo was made whole and did not incur any loss from loan default with me. Even as they violated my consumer rights, with their predatory and illegal tactics during the process when I was re-modifying the loan. I have documented communications with Wells Fargo dating back to XX/XX/XXXX to re-modify my loan. They practiced delayed tactics to avoid working with me. Notwithstanding, I persevered and was approved for a loan re-remodication by XX/XX/XXXX. However, Wells Fargo still filed foreclosure on the property illegally, without my knowledge.

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 2021-12-30
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. The Equifax XXXX XXXX failed to comply with Fair Credit Reporting Act, XXXX USC sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$640.00} Date Opened:XXXX XXXX XXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2400.00} Date OpenedXXXX XXXX XXXX Balance Owed : {$900.00} XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: ProCollect, Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company continued to attempt to collect on a move out fee that was paid prior to being submitted into collections. After sending proof that the debt was not owed they still attempted to collect and refused to remove the collection from my credit. This caused an issue due to me attempting to put through a house loan at the time. According to their online reviews this is not the first time they have attempted to wrongfully collect a debt.

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