BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are addresses on my report for places I have never lived. Also a fraudulent credit card opened in my name at XXXX. I have disputed this with XXXX and want it taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Southwest collection services used an address I never lived at to communicate a collection I found out about through my credit monitoring service. They said they can not remove the account even though i verified payment because they said only comcast can do that. I faxed verification of payment to both of them but no one takes action. XXXX opened a trouble ticket but does not have a phone number to discuss concerns if you are disputing a collection so I have no way to discuss resolution of this with even though I faxed in proof of payment it is still sitting on my reports with the bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have a so called " Personal Service Loan '' with XXXX. It was opened in XX/XX/XXXX. In XX/XX/XXXX, my relationship with XXXX was terminated and my accounts, including this loan, were closed. For the first few months after account closure, I was not receiving statements. I do now receive statements, but often times weeks after the date the statements indicate they were mailed. 

At that time, XXXX was incorrectly listing my account as a revolving credit line. Sometime around XX/XX/XXXX, I disputed it with Equifax. Equifax completed the dispute and reclassified it as an installment loan ( see attached credit report dated XX/XX/XXXX ). Up until today, XX/XX/XXXX, this account was always classified as a CLOSED installment account. When I checked my report today, much to my surprise this account is now listed as an OPENED revolving account with a XXXX late notation. Not only is this account misclassified, something that was initially changed through dispute procedure has been changed without informing me of this change, a violation of FCRA. 

In addition, this account has never been XXXX+ days past due. The minimum payment due on this CLOSED account is {$550.00}. On XX/XX/XXXX, there was a payment made in the amount of {$600.00} -- {$45.00} more than required. In order for that payment to have been deemed late, it would have had to be received after XX/XX/XXXX. 

On XX/XX/XXXX, I made a payment of {$500.00}. Together with the overpayment from XX/XX/XXXX, the total payment made was {$540.00}, which is more than the {$520.00} that was due for that period. However, XXXX is now indicating that my account is {$20.00} past due more than XXXX days. That is not the case. I would never allow a negative entry to be made on my credit report over such a miniscule amount like {$20.00}. Also, I would point out that the payment key on the account indicates as current status.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I wante to pay on mywasher and dryer, i was told that my acct, was closed i ask why then i was told that i had filed chapter XXXX, I said know way i 've never filed chapter XXXX in my life. What should i do about this? So i do n't know wh did this. It was'nt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax has listed a lien in my credit report- The IRS filled a lien in 2009 tax year but the lien was filled incorrectly - The IRS made a mistake. This lien as stay in my credit report for the last 6 years - It has affected my ability to get credit - I have been denied credit from XXXX due to this errors - - Please see documentation attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Over XXXX towns and goverment on my documents and home contents and also using computers and deniged me credit and loans and keep my stuff messed up and also with scams and land developments ect..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am applying for a home mortgage and all XXXX credit entities show an outstanding bill for XXXX ... 
I have never had an XXXX account. It does not belong to me and needs to be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the following item ( s ) on my credit report. The information in question is as follows : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Under the provisions of the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I have reviewed my credit report and have found that this account is inaccurately reported on my credit report. I have no knowledge of this account and do not have any record of it belonging to me. Therefore, I request that you remove this account from my credit report as soon as possible. 

As per the FCRA, you are required to investigate my dispute within 30 days of receiving it and provide me with the results of your investigation. If you find that the information is inaccurate, incomplete, or can not be verified, you must remove it from my credit report. Additionally, I request that you provide me with a free copy of my credit report after the investigation is complete, as my credit report should be updated to reflect the removal of this account. 

Thank you for your attention to this matter. 

Sincerely, 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 2022-10-08
Company: Experian Information Solutions Inc.
State: FL
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX *** 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that he information is inaccurate.

Under U.S Code 1666B Billing error.

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 2022-10-08
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan # XXXX I recently got a mortgage through Truist and since closing, the process has been nothing short of a nightmare. I attempted to setup online access to manage my mortgage but the bank locked my loan account and forced me to go to branch and meet with a banker to setup an online account, so I wasn't able to setup the account myself or properly enter my information and build my personal profile and contact info. I had to call the bank numerous times and spent hours on the phone trying to get the hold on my loan number lifted so I can setup my online access but started to realize that their support operations are nothing short of a joke and their information systems are poorly designed and works very well against customers instead of making their life easier. After going to a branch and setting up the account, I was finally able to login to my account where I was surprised with a ton of wrong information on file related to me and my mortgage. For starters the bank had the wrong homeowners insurance policy information on file and so I had to get on the phone again and waste another hour to get that fixed and after uploading the proper policy documents, I still see the wrong policy information on my online banking. Another issue I ran into is that my physical address under my personal information has a typo that the bank made not me, and when I called to get that fixed no one offered to help and simply asked me to go to the branch to get the bank 's mistake fixed because of the some XXXX  reason about not being able to verify my phone number even though I provided the useless agent helping me with two phone numbers that the bank has on file and he confirmed that the two numbers are listed on file so not sure why he didn't want to help and fix the bank 's error. If this is how the bank treats customers that just borrowed XXXX of XXXX  of dollars, then I am surely in for a rough XXXX  year relationship and already regret going with Truist as a mortgage lender.

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 2022-10-08
Company: January Technologies, Inc
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) is sending texts to my cellphone ( XXXX ) looking for " XXXX. XXXX They are spoofing my own number ( so it appears that the text is coming my own phone ). I am not XXXX, I do not know anyone named XXXX. I do not know anyone that owes a debt to a XXXX Credit Card debt. 

I have called twice ( XX/XX/XXXX at XXXX and and XX/XX/XXXX at XXXX XXXX ) to resolve this, they claim they would stop contacting me but have continued to contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Atlantic Recovery Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My account with XXXX XXXX was given to XXXX & XXXX Acquisitions the company transferred the file to Atlantic Recovery Solutions, it turns out after they are not licensed in AZ, while the file was in their possession, they pulled my credit without authorization. Atlantic Recovery Solutions threaten on several occasions to take legal actions. So I have filed a complaint with XXXX over not being licensed. I have requested license information and accounting of the account to ensure that my rights were in fact protected under the SCRA. I was XXXX XXXX times during the time in which I had the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: CITIBANK, N.A.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX I called Citibank North America ( CBNA ) to request a validation notification. I spoke with an CBNA employee & she informed me they can not send me any letters/notices about my debt account due to it being in the archives & closed. 

XX/XX/XXXX I called Citibank North America to speak with someone else about my debt. The CBNA employee said my account is in the archives & they do not have access to it therefore they can not send me a letter on my account debt. The CBNA employee also informed me my account is in the archives & closed at this time. 

XX/XX/XXXX I called Citibank North America for a second time this day. I request to speak to someone higher up. They denied my request. I asked to get a letter on my debt so can get it paid & off my credit report. The CBNA employee said my account is in archives & closed. They can not send me any kind of paperwork and any payment i make is voluntary. I asked the employee how do i get it off my credit because it is keeping me from getting a mortgage. The CBNA employee said i have to send a check but they can not send me any paperwork because my account is from XX/XX/XXXX and closed in the archives.

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 2022-10-08
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:
account number # XXXX XXXX  attached is what XXXX and equifax is reporting ... if they both get their source from XXXX  then why are they inaccuracies on the report .... 
DATE LAST ACTIVE XXXX XX/XX/XXXX WHILE EQUIFAX XXXX BALANCE XXXX {$7400.00}, WHILE EQUIFAX XXXX 
LAST PAYMENT XXXX XX/XX/XXXX, WHILE EQUIFAX XX/XX/XXXX .... INACCURATE REPORTING IS A VIOLATION ACCORDING TO FCRA RULES!! YOU MUST DELETE NOW!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Experian Information Solutions 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:
CFPB, XXXX XX/XX/2021, I mailed a dispute package to Experian by certified mailed for information that is inaccurate or items that are mine which are currently reflecting on my credit report. That package was delivered to Experian on XX/XX/2021. 
Additionally, I mailed a letter by first class mail to ALL THE COMPANIES that were reporting negative information on my credit report on XX/XX/2021 asking them to provide proof of the subject account ( s ). 
Experian and all companies I have contacted HAVE FAILED TO DO ANYTHING regarding my concerns, including contacting me, to help me remove inaccurate information or items that are not mine. 
I will be reaching out to Mr. XXXX XXXX ( CEO of Experian ) via email within 45 days of this complaint and all the companys board of directors for their assistance in this matter. 
CFPB, please do allow Experian and others to simply ignore peoples request for help. I will also seek the assistance of members of Congress with this matter in the next few months if this issue remains unsolved. 
Thank you.

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 2016-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was able to get my free report ( through XXXX ) from XXXX. I went to the FTC site and clicked on the free annual report link to get the ones from TransUnion and XXXX ... two days ago, but I was told they were unable to complete my request from XXXX sites. I read somewhere that i should wait 24 hours and try again. I just tried again and still ca n't get them. As a matter of fact, TransUnion is now saying they have already provided me with my free credit report ... but that 's not true. And also, Equifax keeps asking me these multiple choice questions about loans I have never done, and that do not apply to 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 2021-03-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Simply put, Equifax has denied access to myself and my girlfriend over 20 times in about a year. XXXX and XXXX no problem. It is obvious they don't want us to access our credit report unless we pay their fees. My girlfriend was a Equifax member and we didn't encounter difficulty. After stopping the membership it has been impossible. She recently became a member again while on the phone just so that she can get help. It was obvious the lady helped her just to get her to be a member. They need to stop putting up barriers and be abusive of their power. A power that can easily be taken away. They are a private company yet think they are XXXX. They make many people I know feel powerless and impotent. They also cause many people to pay more because people need to purchase items yet have to pay more because they are through with the impossibility of accessing and correcting their report. I appreciate somebody putting a boot up their XXXX. Thanks. From a 20 year veteran and two war vet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Conn's, 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 have been a victim of identity theft. Have been dealing with this on going for 14 yrs now. This being one of the accounts opened in my name. Never stepped foot in this establishment nor have i acquired services or goods from there.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
CENTRAL FINANCIALXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX $ XXXX # XXXX OPEN XXXX HAVE NUMBER OF TIMES REACHED OUT TO THE ABOVE CONSUMER TO MAKE THEM AWARE THAT THIS ACCT IS NOT MINE AND NEVER BEEN TO THIS MEDICAL FACILTY. IF NEEDED I WILL FILE AND TAKE CHARGES AGAINST THIS MEDICAL COLLECTION IN NOT TAKEN OFF MY CREDIT REPORT. 

THANK YOUXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been XXXX since 2009 and I have tried to refinance with XXXX. The only option offered was to extend the repayment out to XXXX years. Being in a bind that I was behind XXXX months those payments would be rolled over. Within the last few days, Quicken Loans ran an ad I responded and was turned. Reason my Fico Score was XXXX and was told that a score of XXXX was needed. 

Am not sure what other options are available. 

Thank you. 
XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions 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 XXXX XXXX attached is what experian and XXXX XXXX reporting ... if they both get their source from XXXX then  why are they inaccuracies on the report .... 
DATE LAST ACTIVE EXPERIAN XX/XX/XXXX WHILE XXXX XXXX BALANCE EXPERIAN {$7400.00}, WHILE XXXX XXXX 
LAST PAYMENT EXPERIAN XX/XX/XXXX, WHILE XXXX XX/XX/XXXX .... INACCURATE REPORTING IS A VIOLATION ACCORDING TO FCRA RULES!! YOU MUST DELETE NOW!!

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 2021-03-11
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Receivables Solutions is reporting a debt on my report that has been paid. I want this inaccurate information removed from my report today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: EQUIFAX, INC.
State: FL
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 can not identify the following information appearing on my credit report : XXXX XXXX XXXX Type of Industry : Other Collection Agencies Account Number : XXXX Address:XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Phone Number : ( undefined ) undefined

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Risecredit, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I made a payment to XXXX for my Rise account on XX/XX/XXXX for XXXX. On XX/XX/21 I emailed Rise a copy of my bank statement that shows the payment and my account still has a XXXX balance. I have called them 4 times since then and they always tell me they are going to contact that department and it should be updated in 3 days. On XX/XX/21 I paid off the balance on this account.

Company response to consumer: Closed with explanation