BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
after disputing the tax lien from my file the bueraus keep deleting it and putting it back on without ANY type of noticfication or validation, i have sent in all of my identity theift police reports and i have asked them to block this from my file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Upgrade, Inc.
State: MS
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 been constantly emailing this company since XXXX or XX/XX/2019 ... ... .each time I contact them I am given the run around. Its been 6 months already and I have provided them with every document they requested from me. This company is awful and is not doing the proper investigation in a timely matter. I have filed a police report and the bank account that was used has been closed. I went back to the police department because this company claimed they couldnt verify the police report was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: CAVALRY INVESTMENTS, LLC
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:
Cavalry Portfolio Services agreed to a settlement agreement and agreed to term and conditions, payment monthly terms and but still placed the collection account on all 3 credit reports. They agreed to the payments and balance agreed but yet placed a collection on all 3 reports for the original amount.I have disputed this with all three reporting agencies and they still wont remove it. That is not right and this needs to be removed they agreed to the settlement and terms and should be held accountable. They need to remove it from all three credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed a report to equifax that a major delinquency on a loan with XXXX XXXX XXXX that has been discharged in a chapter XXXX bk was reported on XX/XX/2009 after my XXXX 2009 discharge. They reported first major delinquency on XX/XX/2009 bankruptcy was discharged on XX/XX/2009. My understanding is : " What Can not Be Reported However, if your creditor does not correct the status of your discharged debt, or if the CRA does not maintain an accurate report of your post-bankruptcy credit information, your credit may be unnecessarily damaged. When you discharge a debt in bankruptcy, a creditor can not report that debt as : currently owed or active late or delinquent or outstanding charged off having a balance due, or converted as a new type of debt ( re-aged, or having new account numbers, for example ). Equifax said it was reported correctly. It should NOT be reported at all. I have attached my XXXX 's 2009 statement of the payment being made even though it should not be reported as delinquent after chapter XXXX discharged. I attached the Equifax document of the response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items for my report. 

XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$220.00} XXXX  XXXX XXXX {$1600.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$220.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
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:
These accounts are fraud and need to be removed from my credit report immediately. I am a victim of identity theft and did not make this charges. Please remove these as soon as possible. I included FTC XXXX affidavits about the alleged accounts. Please delete these accounts as they are causing me substantial harm & inconvenience as a 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 non-monetary relief
Consumer complaint received 2016-03-06
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX 2015, I attempted to have XXXX XXXX installed. The installer came to my house to attempt to set up a phone jack in my apartment in order to connect my services. He informed me it would be extremely difficult and the connection would be terrible so I cancelled the appointment, cancelled my services with XXXX and returned the unopened modem. The person left within 20 minutes. Since then, XXXX has made several attempts to collect different amounts for services I never had. I 've disputed several claims from XXXX different collection agencies and spoken to XXXX many times over the course of a year to stop receiving these claims, but here I am, a year later, still disputing these charges, despite XXXX representatives telling me that the file is closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have contacted Wells Fargo on three separate occasions both taking an extended time to even get someone on the phone. I have requested they stop my bill pay ; which they have not ; they have debited {$200.00} out of my checking account without my permission. When I called to request the refund, only 1 payment was refunded which took 48 hours, then I had to call back a second time for the second payment. I advised this has been cancelled both over the phone and via my online banking. Now a 3rd payment has been drafted. I have had to wait 48+ hours all three times ; I have had to make numerous calls and been financially inconvenienced by having to wait for the money to be returned. I called today Sunday XX/XX/2017 and after 3 phone calls and over an hour on the phone I was advised I would instead have to call back on a bank business day to have the payment returned. XXXX!!! They need to refund my {$200.00} immediately and CLOSE MY ACCOUNT!!!!

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 2020-03-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$630.00} on the XXXX XXXX  XXXX original creditor XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX is claiming I ordered a sofa and that I confirmed delivery. I have attached a copy of the receipt they sent me alleging the signature on the delivery receipt is mine. The signature on the receipt does NOT belong to me and I never authorized and/or accepted this item. Nothing from XXXX was delivered to my address. This collection/charge-off is being reported in error and needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2022-08-16
Company: SIERRA PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I contacted my mortgage company, Sierra Pacific Mortgage, to have the PMI removed from my mortgage loan. They told me I would receive a letter with instructions. On XX/XX/XXXX I received the letter dated XX/XX/XXXX. The letter said I could pay for a BPO, and if the BPO showed the loan to value was 75 % or less the PMI would be removed. According to offers I have received from XXXX and also based on homes sold in the area, my loan to value is between 50 % and 60 %. So per the letter I contacted my mortgage company to pay for a BPO to have the PMI removed. I told the person over the phone that the letter said {$150.00} was due. She charged {$100.00} to my debit card. I received a check back for {$100.00} today, XX/XX/XXXX. I had contacted them on XX/XX/XXXX because no one had contacted me to set up the BPO. They ( XXXX XXXX said they sent me a refund but would now escalate my request because they had made the error by not charging enough for the BPO. No one has contacted me. I called today and there was no assistance offered. I was told by XXXX to wait for the call from upper management. I told XXXX I was going to file complaints against them. She told me they had a department that handled complaints but never directed me to that department. In the meantime they are still charging me {$300.00} for PMI that I should not have to pay. They are obviously trying to avoid helping me. I need the PMI removed so the payment can be reduced and be more affordable. Thank you for any assistance you can provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03
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:
XXXX XXXX XXXX  on my 3 credit bureaus is a account i did not authorized and there reporting damaging inaccurate information on my credit report i reached out numerous of times but get ignored Last reported Date Last active Past due Date of last payment Date opened All inaccurate information i did not give written permission. 

XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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:
I am in a massive medical malpractice lawsuit with XXXX XXXX and therefore I will not owe these debts..There is a total of {$2200.00} that needs to be removed. My attorney is aware of these charges and said I will not owe them..so please remove these debts from my credit report. XXXX XXXX XXXX {$1200.00} and XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXXl {$280.00} and ARS Account Resolution {$190.00}. 

The accounts are with : ARS Account Resolution of 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 2020-03-17
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Refinanced home through XXXX XXXX, XXXX XXXX XXXX sent us a check to payoff the HomeDepot account. The check was mailed XX/XX/2020. We just got a bill from Home Depot (  CitiBank ) that we were behind in our payments. XXXX XXXX from XXXX XXXX discovered that the check had been cashed on XX/XX/2020 by CitiBank. We made numerous attempts to contact CitiBank without success.When we did get them. they still said they did not receive payment. Today ( XXXX XXXX ) they finally put us through to the complaint department. The check was found after some checking by the department. According to them it had not been credited to our account due to no account number on the check. My husband had put the account number at the bottom of the check and made a copy of it before he mailed it. They said it should be credited to our account in about 10 to 15 days.

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 monetary relief
Consumer complaint received 2022-08-16
Company: GENTRY FINANCE CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Account had been charged off and was closed in XX/XX/XXXX, original loan amount was {$200.00} and high balance was {$270.00}. Now, in or around XXXX or XXXX of XXXX, the balance changed suddenly from {$270.00} to {$570.00}. 
There has been no notice, no other updates from the company, or payment history since XXXX until this sudden increase in balance. 
This does not seem like a fair collection practice and has already been disputed with credit bureaus to no avail.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: AR
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:
I am a natural person, I am a living human being. I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts any inquires listed below be removed According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : Account Name XXXX XXXX and Account # XXXX, Account Name XXXX XXXX XXXX XXXX  XXXX XXXX and Account # XXXX, Account name XXXX XXXX XXXX XXXX  XXXX XXXX - and Account # XXXX, Account name XXXX XXXXXXXX and Account # XXXX, Account name XXXX Account number XXXX, Account name XXXX XXXX XXXX  Account # XXXX, Account name XXXX XXXX XXXX  Account number XXXX, Account name XXXX XXXX XXXX Account # XXXX, Account name XXXX XXXX XXXX XXXX Account number XXXX, Account name XXXX XXXX Account # XXXX, Account name XXXX XXXX XXXX  XXXX MI Account XXXX XXXX, Account name XXXX XXXX  Account # XXXX, Account name XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account name XXXX XXXX XXXX  Account # XXXX, Account name XXXX XXXX Account # 's XXXX, XXXX, and Account # XXXX, Account name XXXX XXXX XXXX  Account # 's XXXX, XXXX, & Account name XXXX  Account # XXXX, XXXX XXXX Account number XXXX XXXX. 
Inquires : EQUIFAX MORTGAGE SER and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
In a follow up to Case number : XXXX, no communication my request to verify this debt has been provided, from my originally request sentXXXX/XXXX/15 to the creditor requesting funds. As it has been past 90 days, how was Equifax provided proof and nothing sent to me, plus by law the lender asking for payment has 30 days to provide the requester with proof this is their debt. As there has been no communication from the lender to me, please have this matter resolved ASAP and removed from my credit report with all XXXX major bureaus. If Equifax has proof, please send all documentation to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX funding is currently reporting an old XXXX collection account 120 days late as of XXXX 2015 on my credit report. I have never made a payment on this account with XXXX therefore i can not have a payment history nor did I sign a contract with the original creditor. I called midland to dispute this information and I was told they do not report as late on credit report. I disputed the inaccurate information with Equifax and equifax said that XXXX validated the information. XXXX and equifax refuse to move the 120 day late on XXXX 2015. I have been back and forth with XXXX and Equifax and neither are helping. It is my understanding that collection agencies are not allowed to report monthly late payment history therefore I would like this deleted from my credit report because it is inaccurate. I would like XXXX and Equifax to provide me with all documents relating to this account, all payment history, original contract and NOT use the XXXX verification process as it is not detailed. I am attaching files showing that XXXX did indeed report the lateness andit is not accurate. This has been causing me numerous problems and I would just like to get it settled

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
U.S Postal Certified Mail No : XXXX MN XXXXCc : XXXX, TX XXXXEquifaxXXXXXXXX, GA XXXX, P A XXXXXXXX,2015RE : XXXX XXXX -REQUEST FOR PROOF OF CLAIMAccount # XXXX*You are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Minnesota Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions:

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
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: Account status incorrect

Complaint:
ON XXXX/XXXX/XXXX I called XXXX XXXX XXXX formally known as XXXX XXXX XXXX XXXX at telephone number XXXX about a collection on my credit report I spoke with a rep by the name of XXXX that stated he could not hear me I asked him to hold while I adjust my phone he hung up on me. I then called the same number back ( XXXX ) again and spoke with a XXXX XXXX that first asked me the spelling of my last name then first name and then my date of birth. I told her that I had a copy of my credit report and it had her company listed and I was not familiar with that company nor did I owe that company. She stated to me that her company purchased my account from XXXX XXXX XXXX for a XXXX XXXX that I received on XXXX/XXXX/XXXX. First of all I never received a XXXX because the wait was long I left the hospital, so the hospital charged the insurance company for service I never received, needless to say then supposedly send me to a collection company for service or something that I never heard of. I asked her if she could send me verified documentation with my signature and social security number to verify what she saying is correct and she said that she would not have that information. I then stated to her unless she could verify that I owe her company {$1300.00} the collection from her company should be removed from my credit report immediately. She refused and stated that the amount and debt was valid. I told her that I never received any services from XXXX and she again stated that I received a XXXX XXXX. If I would have received any service for the collection company to know what service a hospital provided if any were provided is against HIPPA violations so for that reason alone and the fact that I never received any services and nothing can be validated I am requesting that again XXXX XXXX remove this insane debt off of ALL XXXX OF MY CREDIT REPORTING AGENCEIES ( XXXX, EXQIFAX, XXXX ) it 's  damaging my credit rating and causing me hardship of not being able to purchase my home. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I don't understand what is going on, but these items are not mine and the all need to be deleted from my credit report. 

XXXX XXXX XXXX {$51.00} XXXX   XXXX {$360.00} XXXX  XXXX {$360.00} XXXX  XXXX {$260.00} XXXX   XXXX {$1300.00} XXXX  XXXX {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: National Credit Systems,Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contacted me stating i applied for housing at " XXXX XXXX  ''. I do not live there nor have I tried to. I was already in a house of my own in another city. Means were done online only with my personal information. {$210.00}. Police report filed for identity theft. Police report # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation