BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed public records that are displayed on Credit report from the XXXX reporting agencies. They have not furnished proof and claimed that the information was accurate, and it was received from XXXX XXXX. I sent in documents from XXXX XXXX showing that the bankruptcy has been removed from their reporting and it is inaccurate therefore it shouldn't be reporting on my report. this blemish on my report is preventing me from credit from lenders and is defaming my character. I can't seem to get any response in reference from the CRA. 

Also having the same issue with a XXXX XXXX that is inaccurate. I have also asked the CRA to Furnish information on the validity of this creditor on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

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 2021-05-07
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: Was not notified of investigation status or results

Complaint:
I want to bring into your notice that on XXXX XXXX I disputed with Equifax credit bureau the inaccurate information included in my credit report, but over 41 days now and still, there were no changes or any improvements in my file. I would like to stress out that unproven accounts must not continue to appear in the report as per the law. Also, Section 611 ( a ), definitely stated that a failure to investigate the negative items within 30 days gives a reason to immediately remove the item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Partners Financial Services Inc
State: FL
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:
on XXXX i sent this collection agency a certified mail concerning the validity of this account. They have failed to validate this alleged debt and i contacted the original creditor they cant verify this debt. Partner XXXX is in violation under 15 USC 1692g and i am requesting the removal of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have 5 checking accounts w US bank and I received a 10 day notice they were closing all my accounts and would not give a reason. No checks were ever bounced. I will not get my social security check which I desperately need.

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 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have inquires on all my credit report that was not authorized my me.  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , I 've send letters and made numerous phone calls to have this inquires removed.

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 2022-03-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-07-25
Company: Dovenmuehle Mortgage, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I received notice from DovenMuehle Mortgage that my escrow was short due to increase of insurance and property taxes. I was advised I needed to pay additional amount of {$280.00}, and based on this dollar amount, my monthly mortgage payment would increase. ( Normal occurrence in life of Mortgage Loan ) Not wanting my monthly payment to increase I paid double the amount requested and asked for a re-calculation of my monthly payment. The reason I did not want the increase is that I had previously had a Loan Modification that increased my monthly payment by {$130.00}, in XX/XX/XXXX. ( this Loan Modification was needed due to DovenMuelhle 's inability to communicate in timely manner. ) I nearly lost my home because of Dovenmuehle 's bad practices. I have made several attempts by phone and in writing to get my monthly payment recalculated. Dovenmuehle has refused to re-calculate my monthly payment even though I paid more than requested. Your assistance in getting this matter resolved would be greatly appreciated. My contact information is below : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Email : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter previously ( XX/XX/2021 ), asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2017-06-21
Company: Big Picture Loans, LLC
State: DC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I borrowed {$400.00} from Big Picture Loans in XX/XX/XXXX and I have paid {$200.00} in each of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, for a total of {$600.00}. The lender refuses to discharge the loan and wants me to pay {$200.00} a month until XX/XX/XXXX. I can not afford to pay that amount and have told the lender but they insist that I pay. The interest rate is 735.9112 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I filed a complaint with you, complaint XXXX, regarding XXXX XXXX XXXX. The complaint was about being billed for a cancelled phone service. I cancelled my home phone in XX/XX/XXXX and in XX/XX/XXXX received a phone bill for a full months service even though my phone service was cancelled. I called XXXX XXXX XXXX and spoke with a rep who said he would resolve the problem.In XX/XX/XXXX I again received a phone bill for the bill I received in XX/XX/XXXX. I called XXXX XXXX XXXX and spoke with a rep who said he would resolve the problem. In XX/XX/XXXX I again received the bill and called again and spoke with a rep who said he would resolve the issue.In XX/XX/XXXX again received a bill. Didnt call because it never resolved the problem. In XX/XX/XXXX I received a letter from a collection agency, ( Diversified Consultants, Inc.regarding my bill from XXXX XXXX XXXX. Out of frustration I sent them the {$100.00} they said I owed to XXXX XXXX XXXX..I then filed a formal complaint against XXXX XXXX XXXX with your business, Complaint number XXXX. After receiving a reply from your company via e-mail telling me you had attemptrd to solve my problem with XXXX XXXX XXXX. Apparently your pressure resolved the issue as I received a check for {$100.00} from Diversified Cosultants Inc.stating there was an over payment on the acccount.. Was the problem solved? Apparently not as yesterday I again received a bill from XXXX XXXX XXXX for {$100.00}. I am angry, frustrated and totally XXXX XXXX. Once this issue is finally over I will cancell my XXXX, an affiliate of XXXX XXXX XXXX and switch to the XXXX XXXX. I presently pay over {$200.00} a month to XXXX for satellite TV and because they are connected to XXXX XXXX XXXX i want nothing to do with them. It will be almost a {$2500.00} loss to XXXX This issue has been going on for over six months now and XXXX XXXX XXXX need to realize I dont owe money for a cancelled phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Experian Information Solutions Inc.
State: IN
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 submitted a dispute to XXXX XX/XX/2021 ( Confirmation number : XXXX ( Dispute Response Attached ) ) with supporting documents ( Attached Are Billing Statements ) to back my dispute for the investigation and the investigation completed XX/XX/2021. XXXX did not update any information pertaining to the account in question but instead continue to report the account with inaccurate account history information after providing supporting documentation. 

The payment history is incorrect, highest balance reported is incorrect, creditor classification has been change since the dispute completed to show as not being a credit card and it is in fact a credit card with revolving terms, the terms frequency should show as monthly. 

This company claims to report to all 3 major credit bureaus but has only reported to 2 which are Experian and XXXX. I submitted a dispute to Experian XX/XX/2021 about the same issues and Experian deleted the account XX/XX/2021 instead of updating the account information in question because the creditor didnt respond to the open dispute.

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 2017-06-21
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:
As a married couple we own real estate of over XXXX Million in value, many of them are free and clear, but our credit report shows a credit limit of only {$420000.00}. Our current primary residence is valued by XXXX at {$460000.00} to {$490000.00}. We own a rented commercial Condo that is appraised at {$200000.00} and a single family home on 26 acres that is valued at {$270000.00}. These are the 3 properties that are financed. We also have approximately {$43000.00} in Credit Card balance. Due to the incorrect credit limit our debt to asset ration is about 70 %. that makes it very difficult to refinance. What do we have to do to correct the credit limit on our reports? Thanks for your service XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX XXXX, I withdrew from school because of the death of my then fiancee to XXXX. I was struggling financially from his death and I was left with no financial support from his estate. I was attending XXXX XXXX and I spoke to them about the issue and then informed me I owed money to the school because they returned the funding back to my loan company and to the VA ( Veteran 's Administration ) through my voc rehab program. I explained to the school I could only pay {$50.00} a month back making good faith to pay back the money. The school refused to take my money and was very rude and told me " should pay my bills ''. I tried over the 2 year period to speak with someone that would listing and help me through debt. I finally got back on my feet financially in XXXX XXXX and again reached out to the school about the debt. I was told that I could make payments to the school directly through the portal. I made my first payment in XXXX XXXX of {$270.00}, the school accepted the payment. I was then rudely told I could not work an agreement with them and I needed to contact ConServe. I contacted them and again after being spoken to in a very threatening and rude tone, I called back and spoke with a supervisor. We worked out a payment plan of {$200.00} a month, I have even made additional payments since that point to bring down the balance, however now they have put this on my credit report, runined my credit score and are n't even reporting the amount correct stating I owe over {$3800.00} which is not true. I just need help, I have filed a complaint against this company Conserve with the BBB and still have no resolution. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07
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: Account information incorrect

Complaint:
XXXX  ; Experian and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX account XXXX ; XXXX XXXX XXXXXXXX account XXXX ; US BK COURT account XXXX ; XXXX account XXXX XXXX XXXX account XXXX ; and XXXX XXXX  XXXX account XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts 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 2021-05-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax ; XXXX  and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX account XXXX ; XXXX XXXX  XXXX account XXXX ; US BK COURT account XXXX ; XXXX account XXXX XXXX XXXX account XXXX ; and XXXX XXXX XXXXXXXX account XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company response to consumer: Closed with explanation