BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-24
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax will not remove a dismissed Chapter XXXX bankruptcy filed XXXX/XXXX/XXXX and dismissed in XXXX from my report. 
Some history : I had good credit prior to my marriage in XXXX XXXX. I owned a home and was renting it out when I moved to XXXX, Oregon. In XXXX XXXX I learned that my husband was over {$65000.00} in credit card debt and his home was in forclosure. Because I was unemployed and could not afford my payments, I sold my home on XXXX, Oregon in XXXX in a short sale. In XXXX XXXX we consulted XXXX XXXX, to file a Chapter XXXX bankruptcy. I was working part-time and she said my name had to be on the petition in order to be eligible. Under duress, I agreed to include my name on the petition to avoid forclosure. 
I later learned that spouses do not have to file jointly to be eligible. The XXXX Court website which states " Married individuals must gather this information for their spouse regardless of whether they are filing a joint petition, separate individual petitions, or even if only XXXX spouse is filing. In a situation where only XXXX spouse files, the income and expenses of the non-filing spouse is required so that the court, the trustee and creditors can evaluate the household 's financial position. '' I left my husband in XXXX XXXX and moved back to XXXX. The divorce was final in XXXX XXXX. I started working in XXXX XXXX and have been paying my bills and rebuilding my credit. I 'm trying to purchase a home now and the bankruptcy is still on the Equifax report. 
The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, Equifax has no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, this record must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
To whom it may concern : I submitted a complaint to all XXXX credit bureaus in regards to damages on my credit report caused by improper and negligent reporting by multiple mortgage servicers/debt collectors over the years. I received a reply only from XXXX and that reply was not satisfactory and did not completely straighten out my credit report. 
I have attached my follow up letter to Equifax for your reference, as well as my lawyer 's XXXX Demand Letter to all mortgage servicers involved in erroneous credit reporting on my credit. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX XXXX a debt collector illegally obtained my private confidential non-public information, credit report and is reporting " XXXX '' fraudulent accounts, amount, and other information without consent. The XXXX fraudulent accounts bear the same fictitious account numbers with varying data. I have disputed these account three times with Equifax and three times with XXXX who is a debt collector, not a creditor. XXXX has failed to obtain verification of the alleged debt and validate the debt, much less an account. I disputed the alleged " debt '' being reported as a " account '' and XXXX XXXX XXXX via Equifax claims it verified the alleged debt. This is impossible as not all accounts are debts, and all debts are not accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is Public Record Information on my credit profiles that I feel is inaccurate in its filing. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization. By Consumer Rights law I am entitled to know of the entity that has verified the information. This derogatory is holding my identity and credit under " XXXX XXXX '' for 10 years, where is that written as law, when there was not a satisfied action? The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2020-12-28
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Old Account under my name, I paid the amount of {$250.00} on XX/XX/2020 and I just need to remove that from collection from I C SYSTEM

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 2020-03-10
Company: BROKER SOLUTIONS, INC.
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am the seller of a residential property. The buyers are financing with Broker Solutions Inc. dba New American Funding. The buyers sent me a statement of denial with the box checked " Inadequate Collateral and Unacceptable Property. '' The is no further explanation and upon my request to the lender they refuse to provide any further explanation. The lender provided this document with no proof or documentation and without ever viewing the property. The buyers are using this to break the purchase contract and obtain an earnest money refund. I believe the lender provided this document to help the buyers get out of their contract and in fact committed fraud. Let it also be know that the document was to be signed by XXXX XXXX the loan originator. However XXXX was on vacation when the document was signed. When reaching out to the lender I was connected to XXXX XXXX, XXXX XXXX manager who stated he was the one who actually signed his name above where XXXX XXXX 's name is printed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am a Foreclosure Specialist who has a client that has a loan through DiTech and they would like to modify it. I sent a RESPA request to them on XX/XX/2017 and they have refused to send me the documents necessary to try and get them a modification. If there is anything you can do it would be appreciated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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  is reporting incorrectly a collection in the amount of {$8900.00} on the XXXX partial account number XXXX. Transunion is reporting incorrectly the XXXX partial account number XXXX. XXXX sold this account to XXXX. ( Please see page attached from my credit report. ) It is a violation of the Fair Credit Reporting Act to report this account twice. XXXX was the original creditor and this account needs to report a {$0.00} balance. This false reporting of the same collection is seriously harming my credit score and this line item 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 2020-08-25
Company: General Motors Financial Company, Inc.
State: NJ
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 have a loan with XXXX/XXXX XXXX and GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX and GM FINANCIAL with no successful resolution. XXXX, XXXX, XXXX reporting me late. There was definitely an error on their part. I was never 60 days late ( XX/XX/XXXX, XX/XX/XXXX ) and I was never 90 days late ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Put a derogatory account on my credit- my credit score was XXXX, now its XXXX. I called them to see what this is about, they wouldnt provide information or even verify the bill without me either providing my Social Security number or credit card. 
After I told them I wont give them sensitive information, they hung up. I called again, they hung up again. 

Completely bogus claim and company, as my credit score is typically sitting in the XXXX range and I never miss or not make payments.

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 2022-10-10
Company: Medical Data Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not give time to dispute the debt. I was orders to pay the debt by collection company and did not have any info on how to pay it.

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 2022-03-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and I haven't received investigation results. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I called Experian on XX/XX/2016 and spoke with XXXX regarding the results from the reinvestigation of my credit report. He asked for me to verify my private information and afterwards asked me how me could help me. I told him that I did not agree with the investigation results pertaining to the account XXXX XXXX that was showing as updated on my credit report. I asked XXXX to tell me how the account was verified, because I have the right to know. XXXX informed me that he did not know specifically what method was used, and if he did know ; he did n't have to share that information with me, because that is confidential information between Experian and the original creditor. He stated that the original creditor is the paying customer that furnishes the information on my report ; so they are the only ones who could gain records or make any changes in regards to information pertaining to my credit file. At that point ; I was so distraught and I became very upset. I told him that according to the FCRA, I have the right to know and by law I am entitled to receive that information if I requested it, because this credit file that Experian is holding is pertaining to my livelyhood. At that point ; he told me that he could not help me with that information, and if there was anything further that he could assist me with. I told him that he is violating my consumer rights, and I demand to speak with his supervisor immediately. He told me that he will transfer me to XXXX XXXX to further assist me. At that point he made disconnected my call completely. I immediately called back for assistance, and after my information was verified ; I was directly routed to XXXX XXXX who was unavailable to assist me. I have to say that I have been violated in the worst way when it comes to my consumer rights and being treated fairly. I am so hurt ; literally in tears as I write this, because I have rights, and he treated me as if I was scum on the bottom of his shoe. He treated me as though my demands or request did not matter. I want this report completely removed from my account, and this employee should be fired for treating law abiding citizens like this.

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 2015-12-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have advised this company before that my identity had been compromised and they still fail to keep me safe. Everything on my report looks correct as far as i cal tell with the exception of a couple accounts that are not mine, however the purpose of this complaint is because i have not been seeking any credit yet i see inquiries on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient keeps sending me bills and charging me late fees during the federal student loan pause that is supposed to last until XXXX of this year. This also happened during the last pause as well. I had to go into forbearance because I had budgeted with the pause in mind and then could not afford to make payments during that time. 

I believe they are also trying to convince borrowers to refinance in anticipation for loan forgiveness, but that the process would actually make borrowers no longer eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
I received a statement today with a late fee and interest. I didn't receive the prior statement. As a long term customer I never paid late on this or other accounts. Since I didn't receive the payment and paid the prior amount due ( without interest and fees ), I would like the interest and fees reversed. 

I spoke with XXXX, a manager, ID XXXX and he refused to help.

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 2020-03-09
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SUNRISE CREDIT SERVICES IS STILL TRYING TO COLLECT ON A DEBT THAT THEY DID NOT VALIDATE WITHIN THE 30 DAY TIME PERIOD AS PRE FCRA LAWS IN WHICH I REQUESTED VALIDATION BE SENT WITHIN 30 DAYS FROM THE RECEIPT OF RECEIVED MAIL WHICH WAS EXPRESS MAILED NEXT DAY SERVICE XX/XX/2020 AND RECEIVED XX/XX/2020. TODAY XX/XX/2020 I RECEIVED A LETTER OF VERIFICATION NOT VALIDATION OF DEBT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
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: Account information incorrect

Complaint:
XXXX XXXX  had reported incorrect information. XXXX XXXX  says that they correct the information with the credit reporting agencies, but my credit report still shows negative information about my XXXX XXXX credit card.

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 2015-06-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have written Experian several times to no avail. XXXX # XXXX is a repossession and they payment history needs to reflect the date of repossession. This is not a recurring chargeoff/collection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal limited my account over 820 days ago, associated with the email address XXXX. I have an outstanding balance on the account equal to {$2000.00} which they promised they would be releasing after 180 days but have never allowed withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Experian Information Solutions Inc.
State: KS
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 credit score is inaccurate and hospital charges are incorrect. I am disputing them. Also, my credit cards have been stolen and my accounts have been hacked. This includes XXXX XXXX, XXXX, and 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 2015-06-20
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
experian is not providing my credit report. i am unable to refinance because of this. 
they do not offer any explanation. nobody in the agency is able to help. 

no problem with the other XXXX credit agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-27
Company: Paypal Holdings, Inc
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Ordered paintings, used paypal as payment method. Paintings arrived XXXX month later damaged. Paypal awarded claim XXXX {$.00} XXXX month later paypal decided in sellers favor and took XXXX $ out of account without explanation, when I tried to fight back that paintings arrived damaged and seller already claimed insurance via USPS my claim was denied. Paypal buyers protection policy is a joke.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
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:
I have a problem with Capital One Quicksilver XXXX. I started out with a low credit limit. Over time, without my permission of knowledge, Capital one raised my credit limit and level until it became unmanageable to me. I had my payment set at XXXX dollars. Eventually the payment became more than the minimum. I did not notice this. I did not receive any notification whether by phone, email or text. I am not sure how long I have been getting dinged with XXXX dollar late charges but now I have an obscenely high interest rate, I'm struggling to pay this amount down and the interest alone is well over XXXX dollars per month. This type of predatory lending could happen to any person of any education level. This is especially difficult with the obscene interest rate combined with high levels of inflation in the economy. I am trapped. I really wish Capital One would have made an effort to reach out and ask for my permission to raise my credit limit AND let me know that my automated payments were no longer sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have letter from r egion bank stating that i will receive a check. I called again to see how long the Check will take. Now i was told 7 to 10 days. Ok after the 7 days was up i called again. 
Now they say. My account was not effected. I 'm just trying to see it was or wasnt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation