BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: NY
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  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  US SM BUS ADMIN ODA Federal , has 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 a account without my written instructions

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 2021-04-05
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX, XXXX, 2020 XXXX XXXX made an unauthorized fraudulent inquiry on my credit report. 

On XX/XX/2020 XXXX XXXX XXXX made an unauthorized fraudulent inquiry on my credit report. 

On XX/XX/2020 XXXX XXXX XXXX Made an unauthorized fraudulent inquiry on my credit report. 

On XX/XX/2020 XXXX  XXXX XXXX  made an unauthorized fraudulent inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
FHA Loan-short sale, FHA requires that I am late on my mortgage payment to be considered for a short sale. 
Due to medical issues, job change and increase in expenses ( due to medical issues ) our family experienced a hardship and was forced to be late on mortgage payment please see attached FHA bulletin stating it is a requirement to be late on my mortgage payment. I am unable to secure a loan now when my family is more financially more viable. I am being discriminated against due to a government requirement to be late on a. It is imperative we are able to secure a new loan to move forward with our lives and maintain a standard of living after going through a hardship.

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 2015-12-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Remove Address : XXXX XXXX XXXX XXXX, CA Request : Deleted permanently from my credit report. 
Status : Inaccurate account information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: OH
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 filed for Chapter XXXX bankruptcy last year 2020 ( XXXX XXXX XXXX XXXX  Docket # XXXX ) and the accounts that were included in my bankruptcy were not removed and or deleted from my credit report which is also holding up the process of purchasing a home. The accounts need to be removed/deleted : XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
There is a Circuit Court claim on my report and I have never even lived in the county that it is from or have never had papers served in that county. I requested a disputed and it come back with no changes. I need this corrected, because this is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: OH
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:
12 hard inquiries 2 charge off I disputed all late payments on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I got a free 2 year credit report from experian and i noticed that there was something on my public records that i knew absolutely nothing about, i was also a minor at the time still going to school and living with my mother. i have tried calling experian, the court where it says it was filed at and many other places and nobody has been able to help me with this issue. i believe that it may be fraud, i need help finding information on this situation. thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: BBVA FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Around XXXX, I had applied for checking account online with BBVA bank. On XXXX, I received email application being reviewed, and more documents need.On XXXX I received emails stating the same as XXXX. XXXX, reviewed email stating application being reviewed. On XX/XX/XXXX, reviewed email from BBVA stating application was approved. On XX/XX/2021 {$500.00} was taken off for initial deposit for the account. 
On XX/XX/XXXX, I called BBVA bank customer service, because I forgot my username for online banking, and when I try to retrieve the username for online banking. It tells me I must be enrolled first. When I do try to enroll or activate the online banking service, tells me I already have account set-up. 
However when I called I was referred constantly to different department, and then reffer to a security officer in alabama who not take calls. 
Call them back on XX/XX/XXXX, after I told them what happened, they stated because of there system, they can not retrieve my username, or send link for me to get my username, and not eligible for the computer to send the link or security code to my phone, even though my phone is in my name and I pay the bill every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On the XXXX of XXXX I received a deposit XXXX usd into my Gemini account from a sale I made on XXXX XXXXXXXX since then Ive been trying to withdraw my funds since my bank was connected and verified already. I tried everyday but all my efforts seem futile everytime they tell me to link an account via XXXX and I do everytime. they access my bank information, a lot of my information and I can even see my bank details on the screen but after linking my bank it hits a dead end and takes me back to step 1 to link my bank to withdraw. So it seems like its impossible to withdraw my money and Ive been trying and sending emails but all I get after a while from the company is an automated response with irrelevant information from this company. I looked online and found out that countless people are going through the same thing that I am, and some have had their money withheld from them by Gemini for no apparent reason and with no contact at all for months. I dont really have the luxury to wait for months because I am in dire need of the money of my money and I feel like we are being abused by this company simply for being its customers. I even tried to buy some crypto with them which was successful. Putting money into Gemini is very easy but getting your money out is impossible because they wont let me even transfer the crypto that I had to buy into another crypto wallet. Any attempt at getting my money from my Gemini wallet hits a dead end. Theres nothing I can do and it is depressing and making me really anxious as if life is not hard enough right now. While Gemini keeps on twitting on XXXX they leave us stranded with out money in their hands locked away from us for no reason and with no explanation or communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been trying since XXXX XXXX, 2015 to get a judgment off my report. I sued the company and the court and was granted a vacate of judgment on XXXX XXXX, 2015. I notified all the bureaus at the same time. XXXX and XXXX deleted the judgment within the last week. I called and talked with Transunion and was told it takes them a long time to verify the information. I received a letter yesterday from them and told it should be cleared up by XXXX XXXX, 2015. The bureaus put the judgment on my reports 5 days after it was filed and now Transunion is telling me it takes 90 days to get it off. I am trying to qualify to purchase a home and now I am a victim of their incompetence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand this account to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I noticed on my credit report that there is an address that I have never heard of or lived at ever before in my life.I do n't know if this is a mistake or if maybe someone is using my information but I would like this address removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed XXXX tax liens placed by the Idaho XXXX XXXX XXXX for taxes that I did not owe. This is damaging my credit tremendously. I should not have to pay the price for the Idaho XXXX XXXX XXXX overly aggressive and abusive actions. Transunions investigation left the items as accurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMERICOLLECT is claiming that I owe them {$270.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was reviewing my TransUnion credit report online, obtained through annualcreditreport.com and then, for no apparent reason, " your account has been temporarily suspended '' came up. I was unable to view the report after that. I complained to TransUnion and proceded to get the run-around calling several different phone numbers with no success. I tried to start over again but was blocked because I had already received the report. I have been the victim of ID theft in the last week. I also saw an incorrect entry on the TransUnion report, in the brief time I had to view it, but had no luck in getting it removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately reinvestigated. These inaccuracies are highly injurious to my credit rating

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I was in contact with Transunion today XXXX/XXXX/2015, in an attempt to dispute hard inquiries currently showing on my credit file. I spoke to Customer Service Representative by the name of XXXX. He stated that I could not dispute inquiries, because they were factual. I needed to contact the company directly in writing. I have written and spoke to creditors, on the phone, only to be told that I needed to dispute with the credit bureaus. In the meantime, the discrepancies go unresolved, because the creditors and credit bureaus are not on the same page. I then asked to speak to a supervisor. After being placed on hold several times, I was connected to XXXX who stated he was a supervisor. I explained to him what I was trying to do. He, in turn, stated the same thing as the customer service rep. I then informed him that I was told by the CFPB that I had a right to dispute inquiries directly with the Credit Bureaus, as well as, obtain documentation used in the investigation. I currently have the following inquiries to be disputed : XXXX XXXX XXXX XXXX XXXX/XXXX/2015 and XXXX/XXXX/2015 XXXX XXXX via XXXX 's XXXX XXXX XXXX XXXX/XXXX/2015 XXXX via XXXX XXXX XXXX/XXXX/2015 I could not dispute the inquiries, because both the customer service representative and supervisor refused to initiate the investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hello, My mother had a XXXX and I am now her power of attorney. I have managed to contact all her banks & credit card companies in order to manage her finances. I have been constantly dealing with her Capital Once accounts since XXXX with no resolve. They have had no issue with me making payments from my personal account and I have sent in my power of attorney ( I kid you not ) over 30 times. Now they have locked my mothers account and I am unable to get a resolution. There customer service hold time is beyond ridiculous and there is no chat option. They have her online account locked and there is no way allegedly to resolve this without speaking to a person. Again speaking to them does nothing and my mother was incurring fees due to this. I have since moved her balances to a different company. I need someone to contact me from Capital one that has the ability to resolve this. I am at the point that I may just close these accounts due to the frustration and hours of I spent dealing with this. I am sure they are breaking some sort of law, my mother is in speech therapy and can not not speak well or deal with this sort of issue and I have legal power of attorney which Capital one has on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In 2012 Bank of America was forced to forgive loans because of a settlement with the US department of justice. Part of that settlement was that all forgiven accounts were to be reported as paid with NO negative credit reporting resulting from the account / debt forgiveness. Bank of America has been reporting this account on my credit report as a negative charge off due to non payment. I have requested that all 3 major credit reporting agencies remove this negative account, but Im being told that it is correct. In addiction this account is OVER XXXX years old since it was closed, and should NOT be reported anyway. Bank of America, XXXX, XXXX, and XXXX are ALL in violation of the FCRA.

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 2015-04-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I filed bankruptcy on XXXX XXXX, and my mortgage loan with XXXX XXXX XXXX/XXXX XXXX XXXX was reaffirmed. 
Since XXXX XXXX, I was unable to pay for my mortgage due to financial difficulties. XXXX XXXX XXXX reinstated the mortgage loan since XXXX XXXX. 
I have been paying on time my monthly mortgage of {$3400.00} since XXXX XXXX. My current balance is {$460000.00} with an adjustable mortgage loan. 
I have been contacting XXXX XXXX XXXX to report my mortgage loan to all the credit bureau and they are refusing even though I provided them a copy of my bankruptcy report. My lawyer also contacted XXXX XXXX XXXX to explain to them that my mortgage loan is a valid debt and was reaffirmed. 
It is now impossible to refinance with XXXX XXXX XXXX or any lender for that matter. 
I am please asking you to help me resolve this issue with XXXX XXXX XXXX. 
Thank you for your cooperation and understanding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is reporting a debt on my account as a collection account, and I tried to get information in writing to make sure this is actually my debt because I never signed into any agreement with this company. In the letter it states charge off XXXX 2016. They also included different amounts {$1000.00}, {$860.00}, and they are reporting late fees on a charged off closed account. I have reached out asking for verification but only get The account is accurate. 
I have also reached out by phone to rectify and was told to call someone else. 
Company Midland funding LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is my fourth complaint. I have spoken with XXXX who talked with XXXX to get a loan modification back in XXXX. My loan was modified XXXX XXXX. This modification include the amount in arrearage plus foreclosure fee, Lawyer fees. When I field chapter XXXX in XXXX XXXX I was behind XXXX, XXXX, XXXX which is the month I field the chapter XXXX. It was stated that I owe XXXX. I only owe XXXX which was XXXX, XXXX and the current month XXXX at the time. The proof of claim was incorrect and I told my lawyer that it was.The Fees, cost was include in the loan modification XXXX XXXX, XXXX per XXXX. Me and my Lawyer have been going back and forward with SPS for some time now. When a modification is done it include Fees, cost and pre-petition payments. Even there lawyer have stated that I only own them the XXXX payment plus whatever I got behind on in the chapter XXXX. We filed a Final Cure Notice indicating the proof of claim was in correct. Because my case was converted to a chapter XXXX on XXXX XXXX, XXXX the motion was withdrawn. Since then we have been try to get this corrected. SPS is not giving the information to there lawyer. When the case was converted to the Chapter XXXX we still have not gotten the Reaffirmation from SPS. So the case Dischage date have been moved to XXXX XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation