BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-08
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:
There is a 30-day late payment reporting on my credit card for the month of XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. I now have a 30-day late payment on my credit report. I have never been late a day in my life with this company. I notified the bank of this situation and they failed to make the change. The account is now current with the correct bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Other

Complaint:
Was recently informed, following a credit check using XXXX, that I was listed as deceased. I requested a free copy of my credit report from XXXX and discovered that Cap One incorrrectly identified an old ( unused ) account as '' consumer reported as deceased. '' Approximately two weeks ago, I contacted Cap One to make them aware of this error. 

Today, I received a letter dated XXXX XXXX, 2016 from Capital One stating that they AGAIN WRONGLY updated the account as " deceased, '' and that they notified the other credit reporting agencies of the same information. I immediately called them, once again, to notify them of this error. I am angered that this error and, more importantly, its delay in resolution negatively impacts my credit history and ability to obtain new credit or even basic services without paying prohibitive fees! This is unacceptable customer service and an unacceptable delay in correcting something as obvious as my status among the living!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau and the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and I have not received any response from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXX XXXX {$540.00} XXXX {$0.00} XXXX XXXX {$540.00} XXXX XXXX {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account was settled in full with Midland Credit Management on XX/XX/2020. The payment was made using a ACH via telephone. An agreement was emailed over and signed and was fax back to Midland Credit on XX/XX/2020. Midland sent over a letter on XX/XX/2020serving a final receipt. A lawsuit was filed with our local court was dismissed after payment. They advised that the credit report would be updated within XXXX weeks. After the credit report was not update to reflect correctly a dispute was filed citing the incorrect balance information. Instead of Midland Credit Management reporting the correct information during the investigation they reported that we still owed the FULL balance of {$1300.00} on XX/XX/2020. Midland Credit Management and XXXX XXXX XXXX knew that the account was settled and payment was made but decided to be deceitful and report knowingly incorrect information to the credit bureau instead of the correct information resulting in devastating 45 point decrease to my credit score. I have all the documents to provide this account was settled on XX/XX/2020 including the receipt, signed agreement, dismissal of the suit filed in the local court. and bank statement showing the payment was made. Midland utilized XXXX XXXX XXXX attorneys to resolved this matter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Home Point Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage lender failed to submit payments for my property taxes, leading to accumulating late fees. I have contacted them several times, both via phone and email. When contacting them via phone, they requested that I email the tax bill so that it may be addressed. However, they failed to pay the bill or respond to any of my emails. As a result, I ended up paying for the taxes with my own credit card. 

Additionally, they have failed to respond to my messages regarding the annual payment of my home insurance, which is due on XX/XX/20. I would like to avoid late fees and may therefore make the payment on my own ; however, this would mean that I would be overpaying my mortgage ( given that it is inclusive of the insurance payment ) and am unsure how or if I would ever receive the refund or have my monthly mortgage bill adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My issue is i donot understand why my credit score is going down when i am paying my bills on time and have not tried to get credit from anyone. I called the credit bureaus to fine out why my scores was decreasing and i was told they could not tell me why. What she did tell me was i needed to have more credit cards. I could not close because of this. No inquiies have been made on my behalf. I am paying my bills on time or ahead of time. This is why i want to file a complaint on them. I see no reason why my scores should be as low as they are. I am trying to get this issue resolved so i can cloe on my home. Time is of essence. I am still paying my bills on time or before they are due. How could my scre drop so much in a month when there is no miss payments on anything. It is amazing how no one can tell you anything. Am i suppose to be homeless because of others not doing thier jobs correctly. I need to know how do you calculate my score if i donot pay my bill and many points is taken away but only XXXX or XXXX points is given when they are paid ontime or before time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am filing a complaint under the violation of my FCRA right and Fair credit and reporting act. I have requested numerous times for a full validation and their right to collection so I can validate of this account. I am not aware of this account and demand proof. I have sent numerous letters by certified mail with any result or proof. If you can't provide the company right to collect, please remove this information from my account as its has hampered my financial needs. Please show with XXXX co vendor you used to collect this information as I take my privacy seriously and have opted out all XXXX party vendors who sold my information to the credit bureaus. The account in question is name XXXX XXXX, XXXX Account number XXXX.

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 2021-11-23
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2021 I sent a letter to XXXX and XXXX regarding the validity of the account listed below. I have only gotten a letter stating its accurate, no proof that this particular collection is indeed mines. No names, No telephone number, No signed contract by me.This is a violation of FCRA 15USC 1692 ( e ) and 15 USC 1692 ( f ).

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 2017-01-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax released my credit report to these individuals without my permission. These are fraudulent inquiries. 

XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account is closed on XXXX 2008 but on my credit report still show a late payment. the account is closed more than 7 years. please removed this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
unable to get accounts closed/removed with submitting documentations to credit bureau. in addition att sent a bill to collections that was a error of there. has since been retified but going to to 30-90 days to get it off credit report. every time I find errors its another 30 days with an open dispute..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Happy Money, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have a personal loan with Happy Money, and I set up a payment for XXXX XXXX, XXXX. It was not taken from my bank account nor was it reflected on my account. I received a text on XXXX XXXX, XXXX stating that payment was late. 

Thought it was no fault of my own, and an issue with their system, I went ahead and scheduled a payment for the same day. Being a Saturday, it would clear before Monday. On Monday, I received 4 emails, 2 texts and 1 phone call. I reached out to them because of the excessive nature after 4 emails. They agreed that it was a bit much, and their system is set up for single touchpoints daily and something was going on with my account. I escalated it and was told a C & D was put on my account to stop all contact until they figured it out. After that, I received an automated phone call at XXXXXXXX XXXX. ET when I was trying to get my kids to bed. 

Again, I did everything I was supposed to, and then some as their system is the reason the payment didn't go through initially, but I'm getting sick of the bombardment from them due to their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to JCAP Funding and requesting information in which I have yet to receive a response. JCAP Funding is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: ACIMA CREDIT, LLC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: ALLY FINANCIAL INC.
State: NY
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 negative Items in my credit report and dont belong to me XXXX XXXX Account Number : XXXX ALLY FINCL Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2016-10-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/XXXX, I discovered that this information from XXXX XXXX Inc had been reinserted into my credit file after previously being deleted. I was not contacted by the Credit Reporting Agency, Equifax nor had I received any correspondence within the 5 days as stated in the FCRA. I have since sent in proof of deletions and reinsertion to Equifax prior about this account and it was deleted yet again on XX/XX/XXXX then reinserted today. Attached are screenshots of my credit report on 3 separate days showing that Equifax is guilty of reinserting this information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I DID dispute information only showing on my Equifax credit report regarding a judgement that I do NOT owe and asked for validation proof regarding the item on credit referring to XXXX county court for a XXXX XXXX. No other reporting agency is reporting the item only Equifax. I sent my dispute on XX/XX/XXXX certified mail and to date they have never responded and the item is still on my credit report. This item is keeping me from get a mortgage and causing financial distress. This is a violation of my rights and they have ignored my validation request. they need to remove the item immediately. I have attached the proof I sent the dispute by certified mail and the proof they received my dispute as well as my credit report. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Law Office of Michael J. Scott, PC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account was settled in full with XXXX XXXX XXXX onXX/XX/2020. The payment was made using a ACH via telephone. An agreement was emailed over and signed and was fax back to XXXX XXXX onXX/XX/2020. XXXX sent over a letter on XX/XX/2020 serving a final receipt. A lawsuit was filed with our local court was dismissed after payment. They advised that the credit report would be updated within 2 weeks. After the credit report was not update to reflect correctly a dispute was filed citing the incorrect balance information. Instead of XXXX XXXX XXXX reporting the correct information during the investigation they reported that we still owed the FULL balance of {$1300.00} on XX/XX/2020. XXXX XXXX XXXX and Scott & Associates knew that the account was settled and payment was made but decided to be deceitful and report knowingly incorrect information to the credit bureau instead of the correct information resulting in devastating 45 point decrease to my credit score. I have all the documents to provide this account was settled on XXXX, 2020 including the receipt, signed agreement, dismissal of the suit filed in the local court. and bank statement showing the payment was made. XXXX utilized Scott & Associates attorneys to resolved this matter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
As surviving spouse  I am having an extremely hard problem getting my late wife credit report from Equifax. I complied with original instructions of sending her certificate of death and copy of my license.  I received a letter from them stating I also need notarized order of probate court showing me as executor or testamentary that shows I handled my wife consumer affairs.  Neither of these XXXX documents exist. As residents of Pennsylvania none were required because, according to our estate attorney, everything from bank accounts, investment account to property, (house and cars, etc.) were jointly owned. Under PA law all assets were automatically and WITHOUT court orders become the owner of the surviving spouse.   After XXXX hours on the phone with Equifax they would not budge. They told me I am not entitled to see report unless I can produce a document that does not exist and never needed to exist under the laws of Pennsylvania.  Thankfully I have not had this experience with XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23
Company: EQUIFAX, 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 am XXXX XXXX, I have been reporting an Inaccurate account and unauthorized inquiries on my credit report. It has been 60 days yet I haven't seen any changes. I am disappointed of how you guys investigate my credit report as I requested last two months. How could I explain to you that these negative items reflecting in my credit report is affecting me and also the financial stability of my family. Numerous products are getting higher demand in the market and getting expensive. And due to this pandemic, several things have been added to my family 's necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
American Express bill payment due dates regularly fall on saturday or sunday Online major consumer bank does not issue payments on weekends - weekend dates are greyed out for setting payments, no consumer option to set weekend bill payment date. 
Payments submitted via online consumer bank are issue to American Express the 1st business day following weekend. 
American Express considers these late and charges fees Most recently American express payment dues date Saturday XX/XX/2021 Online payment via consumer bank made to American Express Monday XX/XX/XXXX Card XXXX - {$2.00} interest, {$35.00} late fee Card XXXX - {$29.00} late fee American Express requires their own direct pay system to be used. 
Consumers are being penalized for online banking no-weekend bill pay rules and American Express unreasonable demand bill payments on non-business days

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My husband died 2 yrs. ago after an XXXX. He had medical bills still owing when he died. After the XXXX XXXX XXXX XXXX XXXX reviewed his personal estate, it was found deficient in funds to pay his medical bills. A collection agency, XXXX XXXX, XXXX began contacting me about several bills, of which the bill for {$280.00} was just XXXX of several bills that they attempted to collect. I had hired an attorney, XXXX XXXX ( now XXXX XXXX ), to contact XXXX about several larger bills. Apparently the bill for {$280.00} was not itemized when she had contacted them. I both called and wrote to XXXX XXXX, XXXX stating that this was not my bill and could not be collected from me. XXXX stopped sending statements to me but instead contacted Equifax and XXXX and had this collection placed in my credit report. I notified both Equifax and XXXX that this was not my bill. I sent documentation including my husband 's death certificate and the finding of deficiency in the estate, as well as correspondence to XXXX. XXXX found this does not belong to me and removed the collection notice from my credit report. Equifax is still maintaining that this does belong to me and the collection notice remains on my credit report. I have asked Equifax to review this but they still maintain that I own this bill at this time ( as far as I know. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Continental Finance Company, LLC
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2021, I applied for and was approved for a XXXX XXXX with Continental Finance Company and received an approval email with a reference number. 

Several days later, I am being told that I applied for the wrong card, that there was a display error, and that I should disregard the original card and accept another card that I did not apply for.

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