BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX / DOB : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX USA To whom it may concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the state of Missouri Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: ALLY FINANCIAL INC.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
A rep from Ally Financial told me she was going to set me up for a two-month hardship ( to months of not making payments ) since I was out on leave from work due to XXXX. This was in XXXX of 2016. In XXXX, 2016, while applying for a mortgage, my loan officer informed me that I was two payments late for a total of 80 days delinquent on my car loan. 
I called Ally, and at first, they denied knowing any thing about a hardship agreement offered to me by their Rep. After arguing with Ally for 3 days it seemed, they finally admitted to having notes about our agreement for a hardship, but could not explain why I was not notified that It did not take effect. I have been charged {$860.00} in late fees since XXXX of 2016 and my XXXX statement says I still owe XXXX in past due late payments. Since XXXX, 2016, because of the mix-up, they have destroyed my credit, hitting me XXXX thirty day lates, and XXXX over sixty. Please help me ... they are out of control. There is another person on the internet who they did this exact same thing to. The attorneys answering the question on the blog all agreed that Ally is just workin people over for late fees. I paid my payment for this month. It was due the XXXX XXXX, but did not post till the XXXX. They already have me reported to the credit agencys. for a 30 day late???? I have the paper work to back all this up but cant send it all as attachments. Please email a physical address and I will be glad to sent all supporting data. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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 2015-03-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The company never provide me with invoice to support the bill and the amount they request me to paid so I was never able to verify the authenticity of the invoice. It 's was a medical bills but never send any bill.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of identity theft and noticed a few collections on my credit report. I filled out an ID theft document had it notarized per the FTC and XXXX websites. On XXXX/XXXX/16 I sent XXXX XXXX XXXX & Experian a certified letter with all required documents. It 's been over 30 days and nothing has come through. I need you help to get this resolved bc it 's affecting my health and stressing me out. 

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 non-monetary relief
Consumer complaint received 2022-10-01
Company: Experian Information Solutions 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:
I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

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: MoneyLion 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:
XXXX  investigation is wrong. XXXX  & XXXX  changed this information.I paid a loan off with Money Lion in XX/XX/XXXX. They reported me as 30 days late in XXXX. I had no more payments. They had an systems errror with there payment system. I should not be reported as late. I could have resubmitted. They never contacted me only falsely reported me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  investigation is wrong. Transunion & XXXX  changed this information.I paid a loan off with XXXX XXXX in XX/XX/XXXX. They reported me as 30 days late in XXXX. I had no more payments. They had an systems errror with there payment system. I should not be reported as late. I could have resubmitted. They never contacted me only falsely reported me as late.

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
After pulling my report, i decided to dispute error/incorrect information on my report to TransUnion, and XXXX on XX/XX/2022. its already been 30 days since i sent the first letter of dispute and they have not reached out to me on updated progress/results. The 2nd letter was sent on XX/XX/2022, requesting updated progress/results ; still no response on their end.

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 2021-10-04
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, On XXXX XXXX I made an online purchase at XXXX in the amount of {$450.00}. After a week or so I had not received anything and checked the website. The website had disappeared from the internet. I immediately called my Best Buy Visa to report suspected fraud. They cancelled the card indicated I was not liable for the amount and took the {$450.00} charge off my balance. Later after two letters from Best Buy Visa they indicated that the investigation indicated there was no fraud and recharged my account the {$450.00}. I have the confirmation of the order that XXXX sent me but nothing ever arrived and it would appear the site was a fake site. I am angered as I did everything I was supposed to do in this situation. Thanks for your 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 explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, 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:
Return Credit Score to XXXX Credit Score XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX violating their covid 19 assistances XXXX that they extended. Their reps miscommunciated massively without having the authority to do so. 

I have been a customer for nearly a decade never one issue. Exhausted every attempt to rectify with lender. Never once have I been late one month I was advised no payment due at all XXXX  XXXX XXXX XXXX {$7.00} which I did o even called to confirm. 

None of the dates or times that they provide match the actual time stamps or dates on my end some of which easy to discredit as they were emailed 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 2022-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i purchased a computer through XXXX and it arrived in a defective manner, When i contacted XXXX they said to return the computor for refund .I returned it they kept promising me a refund but after several weeks and several phone calls they did not send refund, I called Capital One to dissput the charge and they did so then two weeks later they charged my account again saying XXXX  said they never recieved the computor back .i called XXXX they sent me a letter saying they did recieve it and that it was up to capital one to credit my account because they admitted the falt was theirs.Now capital one ask for letters of correspondence between myself and XXXX i provided them and now capital one still refuses to credit my account??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Capital Link Management, LLC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
These people have been calling and texting for over a year. Early morning mostly. Every single day. I miss appointments and other calls because I have to turn off my phone every night in order to get a full nights sleep. I tried to contact them but nobody ever answered. This is not my debt. They are looking for my brother XXXX XXXX. We are estranged, havent spoken in years and I have no idea how to reach him or where he lives. I have told this to these collectors and they continue to harass.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Seterus inc. that has been modified about 5 years ago. 
Seterus inc. has worked with me when I needed the most and I truly appreciate it, but they had become my worst nightmare after they started making various mistakes in handling my mortgage correctly and effective. 
They first made a mistake in applying money to my escrow, they raised my payment saying I did n't have enough money in the escrow account to cover insurance and taxes. 
I found that odd, cause I new how much I had to pay a month to take care of that and they were charging me a lot of time and money. 
After months and many hours on the phone trying to get them to fix my escrow, they finally did it and I was able to get my payment to where it was supposed to be. 
After they fixed the escrow, they began telling me that my mortgage was late for a month and stated charging me a late fee every month. 
I have told them in dispute letters many times that I am not late on my payments and that I have all my receipts to prove it. 
They keep telling me that I am late since XXXX and I have not paid the XXXX installment. 
I have the confirmation number and the bank statement to prove that they have received the payment. 
Please help me fix this problem as I think they are doing this on purpose based on the fact that I have filled for bankruptcy right after the modification and have failed to reaffirm the loan by the due date and now I feel like a deer that is being held by the neck by a lion that is just waiting for my last breath. 
After all the mistakes and because the mortgage not being reported to my credit, I find myself " stuck '' with this bank. 
I looked into refinancing now that I am getting back on my feet, but I was told by one of the institutions to file this complaint and have this fixed before I could try to get refinanced and get rid of Seterus inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
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:
Return Credit Score to XXXX. Credit Score Jail .

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: Nelnet, Inc.
State: MD
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:
while attending XXXX college in dc the school was closed on XX/XX/XXXX I attend this school from XXXX-XXXX. I was lied to about job placement. Deceived as far as the financial aid department reporting my correct balance. There XXXX accreditation which was lost when school closed. This school is currently under lawsuit because of inappropriate acts. Additional loans where taken out of my name without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: BMW Financial Services NA, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I tried pulling my credit report to refinance the balance of my vehicle loan wit h BMW financial services. I come to find out that BMW repor ted me 30 days late about 4 months ago. I have never been late on this loan, and have provided screen shotted information reflecting the due date of the  XXXX  and payments having been made prior to that. This error caused my score to be adversely affected and affected my ability to qualify for a competitive interest rate. This has also affected my ability to take advantage of specials that have recently passed as it comes to debt consolidation of my car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am very concerned because I am unable to pull my Equifax credit report from any of my credit monitoring services. When I spoke to Equifax they assured me that their was nothing preventing the creditors fro pulling my report. I am unable to even pull my annual credit report from Equifax. This is holding me up from getting the financing I need to continue with my goals. I am not sure if its a block or simply a system issue of Equifax side but I have been trying to resolve this for the past couple weeks. 

Thanks In Advance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, 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 status incorrect

Complaint:
I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXX XXXX XXXX : {$6600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
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 sadly has a reputation for delayed reporting. The impact to the consumer is brutal. My department of education account has not been updated since XX/XX/XXXX and it is XX/XX/XXXX. 

Department of Education / XXXX  Balance XXXX Last updated XX/XX/XXXX I have called over 7 times in 2 weeks ; spending 25-43 minutes per call in an effort to have Equifax report and update accurately and timely. The vendor has verified the update was provided and all other bureaus updated as of XX/XX/XXXX. I have been told an internal investigation was created only to learn on a follow up call that it was not. Conflicting in Equifax Internal complaint number filed XX/XX/XXXX case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
There is a comment on my mortgage from XXXX XXXX that I disputed my mortgage. I never made the comment. I called Equifax to request the information be removed and was promised that it would be immediately removed. I received an email from Equifax on XXXX/XXXX/XXXX which provided a link that would allow me to see a credit report without the dispute information. The report still contains the disputed information. I called Equifax and spoke with a supervisor named XXXX ( ID # XXXX ) who stated that the information was removed but he could not give me a new link to a correct credit report. I pulled a credit report through AnnualCreditReport.com which still showed the disputed comment and now has added a comment that the mortgage was modified. I call Equifax a second time and spoke with a supervisor named XXXX ( ID # XXXX ) who explained that he could get me access to the corrected report if I paid for the Equifax XXXX XXXX. He then signed me up and charge my credit card a {$6.00} reoccurring fee. I pulled the report through this service which does not show if there are any comments, it is only a summary of the account. I called Equifax a third time and spoke with a supervisor named XXXX ( ID # SCC ) who said the disputed information is not on the credit report, but she would not cancel the Equifax XXXX XXXX and would not provide me access to an updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I 'm unable to access XXXX credit report with my correct information and I cant all the verification question for Equifax report say I 've open auto loans and this year I have n't done anything involving loans or anything of that sort this year I think my idenitiy is bieng used in another state

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: Williams & Fudge, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is coming after me for a debt that does not belong to me. I asked for validation with a signed contract and from what company I was sent a receipt from an institution I did not attend. I am am a victim of indetity theft and this debt is not mine.

Company response to consumer: Closed with explanation