BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-11
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Equifax has denied minorities the right to a fair credit report. Equifax has denied me the right to a fair credit report. I have submitted a copy of a police report to Equifax. Equifax has been aware of the security breach allowing our personal information to be stolen. Now even with knowledge of the security breach allowing and my police report proving that my Identity has been stolen and someone was arrested for stealing my Identity from Nd and in the state of SC. Equifax has treated me unfairly. I have decided to file a discrimination lawsuit against Equifax if they do n't allow me a fair credit report. I have no outstanding hospital bills. I am on XXXX It is against the law to bill someone who has XXXX out of pocket expenses unless it 's a co pay. Equifax does n't care about the consumers! They 're not a fair reporting bureau. Equifax needs to immediately remove these FRAUDULENT UNAUTHORIZED ACCOUNTS FROM MY CREDIT REPORT. EQUIFAX REFUSES TO REMOVE THE FRAUDULENT ACCOUNTS THAT I HAVE ADVISED THEM THAT ARE FRAUDULENT. I HAVE ALSO SENT IN A STATEMENT FROM THE SLED ENFORCEMENT AGENCY THAT THEY 'VE DISREGARDED! I DO N'T KNOW WHO SIDE EQUIFAX IS ON. IT SEEMS AS IF EQUIFAX WANTS CERTAIN PEOPLE TO BE DOWN. FRAUD IS FRAUD! YOU CA N'T PICK AND CHOOSE WHO TO HELP AND NOT TO! A POLICE REPORT AND SLED STATEMENT CA N'T LIE! I AM A HOMELESS MOTHER OF XXXX. THIS YOUNG LADY HAS TOOKEN MY LIFE AWAY FROM MY SELF AND MY KIDS. I AM FROM HOUSE TO HOUSE TO SHELTER. ALL BECAUSE OF INACCURATE FRAUDULENT ACCOUNTS BEING REPORTED THAT EQUIFAX REFUSES TO REMOVE. THIS IS MY SECOND TO LAST RESORT. THE POLICE DEPARTMENT WHO IS HELPING ME AND MY XXXX KIDS TOLD ME TO FILE A LAWSUIT AGAINST EQUIFAX FOR NOT ALLOWING ME TO HAVE A FAIR CREDIT REPORT WITH ONLY MY ACCOUNTS! I 'VE ALWAYS PAID ANYTHING THAT I HAVE ON TIME. IT 'S HARD BEING A MOTHER OF XXXX TELLING THEM THAT WE 'D BE OKAY WHEN I 'M BEING DENIED A RIGHT TO A FAIR CREDIT REPORT WITH ONLY MY ACCOUNTS! EQUIFAX HAS HUNG UP ON ME NUMEROUS TIMES AND LIED SAYING THEY WOULD REMOVE THE FRAUDULENT WITHIN 24 TO 48 HOURS. DAYS LATER THEY 'D STILL BE ON MY CREDIT REPORT. EQUIFAX TELLS ME ANYTHING TO GET ME OFF THE PHONE! WHEN I ASKED FOR A SUPERVISOR THEY 'D REFUSE SOMETIMES EVEN HANG UP. THEY 'VE BEEN VERY UNPROFESSIONAL. I 'M SURE NOT EVERYONE GETS THE TREATMENT THAT A YOUNG XXXX XXXX HOMELESS MOTHER DOES! MY FATHER XXXX AND I LOST HIS HOUSE BECAUSE OF INACCURATE FRAUDULENT ACCOUNTS AND INFORMATION BEING REPORTED ON MY CREDIT REPORT. EQUIFAX IS THE REASON THAT MY KIDS AND I ARE HOMELESS! PLEASE HELP ME STOP EQUIFAX FROM DEFRAUDING THE PEOPLE AND LET EVERYONE HAVE A FAIR CREDIT REPORT WITH ONLY THEIR INFORMATION BEING REPORTED ON THEIR CREDIT REPORT! MY KIDS AND I DESERVE BETTER! EQUIFAX HAS FAILED US!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
CAPITAL ONE BANK RAN ALL MY CREDIT REPORTS TWICE IN ERROR I AUTHORIZED ONLY XXXX AND SOLFT ONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
THIS DEBT WAS PAID IN FULL IN THE AMOUNT, BUT THIS IS STILL SHOWING ON MY CREDIT REPORT CAUSING GREAT HARM TO MY CREDIT SCORE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09
Company: HCFS Healthcare Financial Services of TeamHealth
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 is missing that should be on the report

Complaint:
Ars has changed dates to reflect a newer account that affects my credit score. I wasn't in any hospital in XX/XX/2020 but they have dates that I have

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 2020-06-05
Company: Rocket Mortgage, LLC
State: AZ
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:
Quicken Loans, INC has reported via XXXX  an erroneous late 30 days in XXXX XXXX and a late 90 days in XX/XX/XXXX. All payments were made on time until the sale of the home shortly thereafter. Current information is inaccurate and harming my ability to purchase a new home 6+ years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: AES/PHEAA
State: LA
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 BALANCE {$370.00} XXXX XXXXXXXX BALANCE {$3200.00} XXXX XXXX {$7300.00} XXXX XXXX {$4800.00} XXXX XXXXXXXX {$1700.00} XXXX XXXX {$7300.00} XXXX XXXX {$3800.00} XXXX XXXX {$4100.00} XXXX XXXX {$3700.00} I have tried to get my student loans removed for 3 years due to the company I work for for the last 16 years is a NON-profit XXXX 
I have no luck, Also I attended XXXX XXXX which was involved in a Class action lawsuit due to defrauding the student. I ask for the loans to removed as well NO LUCK again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
American Credit Acceptance report inaccurate payments and balances. My balance was {$9000.00} in XXXX I have made 3 payments {$510.00} in the months of XXXX, XXXX and XXXX and my balance on my statement says {$8500.00}. it should be a lower balances

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: EQUIFAX, INC.
State: AR
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:
EQUIFAX IS FALSELY REPORTING PUBLIC RECORD FOR XXXX XXXX XXXX BANKRUPTCY XXXX.SEE ATTACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX AND EQUIFAX ARE BIAS AND SHOWING FAVORITISM TO XXXX XXXX XXXX XXXX. I AM A SERVICE MEMEBER AND ARE DEMANDING THIS BE REMOVED AT ONCE OR BE SUED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
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:
Unauthorized use of 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 explanation
Consumer complaint received 2018-11-19
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
3 times now I have tried to pre-pay on the principle and instead of applying to the principle they put the money to future payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Please delete all inaccuracies and double accounts and send an updated report to my address

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 2020-09-23
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 status incorrect

Complaint:
On XX/XX/2020 XXXX XXXX XXXX XXXX put a negative action on my credit report when it wasnt.

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 2017-11-16
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:
Credit Reporting Agencies continue to report XXXX Collections ( a debt from XXXX ) on my credit report for approx. {$190.00}. XXXX never verified the debt and it should hence be removed ty the CRAs. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My payments keep showing as late payments. When they have been on time and effecting my credit score negatively as to close to 100 points..

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 2019-09-05
Company: First Data Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am try to pay with using checks with merchant and always get denied my checks, XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: General Motors Financial Company, 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 status incorrect

Complaint:
I received a deferment XXXX and XXXX, however my account keeps bouncing from XXXX to XXXX as being late. Can we please fix and update my credit. GM Financial is not trying to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: First Credit Services Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX  XXXX and I do not have a contract with 1ST CRD SRVC plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Synovus Bank
State: CA
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 paid on time to this {$200.00} secured credit card credit building Program. I have never made a late payment. But they somehow always charge me a late fee of {$40.00}. The company name is FIRST PROGRESS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: The Outsource Group, Inc
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There are 7 collections accounts from MEDICREDIT physicians Billing. These are duplicate entries as both are the same account numbers and the same amount owed. 


The first items are {$420.00}, account number beginning XXXX, there are two, same date, same account number, and same amount. 

Next items : {$300.00} for three items, same dates, different billers listed XXXX XXXXXXXX XXXX. 

I would like these collections removed as I had no knowledge and they are all duplicate entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
TD Bank has sent me a flyer directly to my name via US Mail with a proposal to open checking and savings account. I have opened Savings account, met all requirements to get a promo bonus and TD Bank didn't credit my bonus on time as per terms of a promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-26
Company: WESTERN UNION COMPANY, THE
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have participated in a class action lawsuit against Western Union over a year ago, and never heard back from them regarding my claim. I submitted proof, and have been ignored by Western Union for compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I closed my XXXX 's Card back in XXXX of 2008. It is still showing up on my credit report, twice. I would like them to both be removed. The balance has been paid off a long time ago. This is effecting my credit score and I am currently working to get this score higher.

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 2021-07-13
Company: CARMEL FINANCIAL CORPORATION, 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: Investigation took more than 30 days

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I think I have identity theft

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 2019-11-18
Company: KEYCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Key Bank branch at XXXX XXXX XXXX XXXX, XXXX, IN XXXX will not allow me to open a Key Express Checking Account and they will not give me a specific reason why. They say it is due to a report on me provided to them by XXXX. I obtained a copy of my report from XXXX. There is nothing negative or adverse on the report. Key Bank will not tell me what is on the report that they find to be objectionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
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:
Multiple names have been used to open accounts on my credit profile fraudulently.

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 2018-11-28
Company: EQUIFAX, INC.
State: MS
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:
The following accounts do not belong to me. I have contacted the individual companies about the fraudulent accounts. I am requesting signed contracts that obligates the following accounts to me. XXXX XXXX   XXXX / XXXX Card opened on XX/XX/2018. This account is fraudulent and does not belong to me. XXXX opened on XX/XX/2018. This account is fraudulent and does not belong to me. Police reports have been mailed to the credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
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: Investigation took more than 30 days

Complaint:
i have filed disputes with the credit reporting agency and it has been well over 30 days with no response in also filing 30 day demand to comply.

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 2019-09-08
Company: Columbia Collection Service, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone used my info to check into a hospital in 2014 and racked up a huge list of bills for XXXX XXXX XXXX. I've disputed it with the hospital and debt collector but they kept racking on new fees and interest over the years and also published it on my credit report as a psychological institution debt which everyone who runs my credit can see and immediately assumes I have a mental disorder.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
this debt is over the time period. AND THE LOAN WAS LEVY AGAINST MY current MORTGAGE. Its seem like I being target for a debt I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018, I mailed a Validation of Debt Letter to the debt collector, TRANSFINANCIAL INC.

Stated in the letter, I asked for Original contract signed showing the reason for debt, and calculations of Debt.

I have NOT received a response. It has been 30days.

I have mailed a certified letter to the address reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Navient Solutions, LLC.
State: KY
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:
The information of payments being late were in 2012 and it is being report as more current than this. The amount of derogatory information is causing me many problems on my credit report. I am wanting this to be removed due to the age.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX, XXXX  AND TRANSUNION HAVE ALL PUT A EXTENDED FRAUD ALERT AND A PERSONAL STATEMENT ON MY CREDIT REPORT, WITHOUT MY CONSENT. I CONTACTED ALL companies and told them to remove the alert and personal statement asap because I did not request it. Furthermore they put a phone number on the alert for companies to contact me that doesn't belong 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 2019-09-10
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My lender filed 2 partial claims against my title when their should have only been one. I asked for a statement detailing all the funds and they will not provide it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap 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

Company response to consumer: Closed with explanation