BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04
Company: Capital Accounts, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was notified via XXXX that a collection had been placed on my account via Capitol Accounts XXXX of 2022 showing up to me on my credit report XX/XX/2022. I was never notified that I was being sent to collections as this is not a debt that I owe. They placed this charge on my credit report as a collection account and decreased my credit score significantly for a debt that I do not owe. I never received any communications at anytime prior to this via mail, phone, or any other way that I even owed this debt or that it was past due or that it was going into collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have submitted several disputes to all 3 major credit reporting bureaus ( XXXXTransUnion ) in regards to this XXXX XXXX XXXX  account and the numerous discrepancies and inconsistencies reported on this account by all 3 bureaus. I have requested verification and validity of this alleged debt from the 3 bureaus and the collection agency directly. I keep getting notifications from all three bureaus stating that the information on this collection has been " verified '' and is " accurate '' when you blatantly see the inconsistent and inaccurate items being reported on this account that I will detail. First and foremost, XXXX is currently reporting this account as OPEN! and 120 days PAST DUE, on a collection account! XXXX is also reporting a date of last payment! I have NEVER made any payment on this account as I deny it is mine. a collection is by DEFAULT late and past due. The sole fact that this collection is reporting 120 days late and open is a complete error and FCRA violation. Furthermore, TransUnion is also reporting this collection as an OPEN account. Lastly, XXXX is reporting date of last activity as XX/XX/XXXX. TransUnion is reporting date of last activity as XX/XX/XXXX. XXXX is reporting date of last activity as XX/XX/XXXX. Pursuant to the FCRA I am entitled to fair and 100 % accurate reporting. These egregious errors are ruining my life and the fact that the bureaus failed to acknowledge or rectify these reporting errors and verified them as accurate is astonishing to me and I demand relief.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2023-10-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX should not be 30 days or 60 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: M&T BANK CORPORATION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, at or about XXXX XXXX. I started an administrative process on XXXX XXXX XXXX XXXX M & T Bank XXXX sent and delivered to him by certified mail. In these documents they are including and explained the unlawful actions that I found in the mortgage processes, for the property at XXXX XXXX XXXX, XXXX, VA XXXX. 
M & T Bank Violated : Conspiracy Against Rights, Depreviation of Right Under XXXX of Law, Attempt and conspiracy, Aggravated Identity Theft, Bank XXXX, Frauds and Swindles, Mail fraud and other offenses, Interference with commerce by threats or violence, Fraud by wire, radio, or television. 
The response I received from XXXX XXXX and M & T Bank, was and have always been a Presentment for payment of the upcoming month or/and a copy of the Deed paperwork. As of the day XX/XX/2022. XXXX XXXX or M & T Bank has not responded to any of my processes. On XX/XX/2022, at or about XXXX XXXX I repeated the administrative process again, to XXXX XXXX XXXX XXXX. In which my documents were received and accepted, by XXXX XXXX or his office. Once again, XXXX XXXX has not responded to any of the affidavits, his corporations interns send me back a presentment and the deed information. This second set of documents included the original documents only difference was that the Notice read. 2nd notice Opportunity to cure. 
On XX/XX/2022, I completed the administrative process through the mail, with a 3rd and final packaged, stating and letting XXXX XXXX know. That his acquiesced to my XXXX process has now put him in Default. XXXX XXXX and M & T Bank still have not responded to my Affidavits or demands, placing M & T Bank in Dishonor through the administrative processes along with the demands that were expressed to be discharged. 
As a direct and proximate result of the carelessness, recklessness, and negligence of the defendant as aforesaid, XXXX XXXX XXXX XXXX XXXX, XXXX caused to suffered mental anguish, XXXX, lack of sleep and anxiety. And will continue to feel this abuse from, XXXX XXXX every month. From the disregard to my personal wellbeing by his actions, they continue to send me a presentments to be paid every XXXX of every month.

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 2023-11-25
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
XX/XX/ had a XXXX XXXX XXXX XXXX. Forced to retire ( XXXX ) because of diagnosis of XXXX XXXX XXXXXXXX. I Also have XXXX XXXX XXXX XXXX XXXX but manageable for 9 years all documented. Paid XXXX XXXX XXXX XXXX XXXX asked for forbearance in XXXX XXXX XXXX XXXX XXXX XXXX  because I was not approved for XXXX XXXX  till XXXX XXXX XXXX with no back pay and had to wait till end of XXXX for first payment. All paperwork was given to New Rez shell-point mortgage, Showing dates of payment, how much, and proof of XXXX. My wife also retired on XX/XX/ from the state of Massachusetts she also was delayed till XXXX in getting retirement from state because of Covid reasons they say. This means we lived off our savings for over 5 months. In XXXX I called New Rez Shell-point and asked for another 3 months of forbearance which I was granted and assumed XXXX XXXX XXXX XXXX in XXXX  i called back New Rez Shellpoint and explained my check was not coming till end of XXXX can I have XXXX more month to get by, I was granted that month and I started paying on XXXX XXXX XXXX XXXX XXXX I worked out a payment plan for escrow in negative by increasing my mortgage payments by XXXX which was approved by them, also asked for the forbearance to be added to end of my mortgage payments and was approved. I called in XXXX to see about borrowing some equity to pay off existing bills. To my total surprise I was told I didnt pay my mortgage for 4 months XXXX XXXX XXXX and it was reported to credit bureau XXXX XXXX and I was denied any kind of loans. This has destroyed our credit and any ability to help our situation of having to retire when I was not ready. I sent letters, I was given the run around for over a month. Then was rudely handled by a manager. Why would anybody ask for Forbearance if it was still being reported and destroying your credit it doesnt make sense. I was laid off during Covid 18 months given forbearance not reported to credit bureau. Under the care credit act this situation should have not been reported to the credit bureau. I need help getting my bills paid off in case something happens to me and my wife is left alone. all it would take is some equity which is really my money anyways! L

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: AmeriCollect
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They keep calling me, and left this message Im Hi this is XXXX from XXXX XXXX I'm a debt collector ID number XXXX this is an attempt to collect a debt and any information obtained will be used for that purpose you can reach us at XXXX or chat with us online at XXXX XXXX paid COM Monday through Friday XXXX XXXX  to XXXX XXXX  Saturday XXXX XXXX  to XXXX XXXX  central time you can also use our secure payment portal at any time XXXX  again I'm a debt collector with XXXX XXXX and can be reached at XXXX if we have the wrong number please give us a call and let us know thank you I called back and told them I owe no money to no one, they told me they were looking for a XXXX, I told them I dont know a XXXX and have had this number for a number of years, now thy just called me again looking for a XXXX XXXX I also reported the call to the do no call registry. Please stop these predators. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Experian Information Solutions Inc.
State: TN
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:
There is incorrect personal 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 2023-11-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 Recently went to apply for my first home. My agent suggested me to download XXXX, from there i noticed an extreme amount to hard inquiries that i did authorize, and that i had damage to my credit report. According to the 15 USC 1681 law, there should not be any damages on my credit report. This is a defamation to my Character.

Company response to consumer: In progress
Consumer complaint received 2022-07-03
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a cancellation of payment arrangement letter from capital one dated XX/XX/2023. I have a charge of debt currently reporting on my credit from this same company ; yet they were paid in full XX/XX/2023 ( see attachment ). 

Called Capital One directly. They admit I paid as agreed and on time ; yet they can not tell me why they cant correct it in their system. 

The pink slip for the vehicle was sent to XXXX when capital one receive and cashed their check in XXXX of this year. They would not have sent the pink slip with an owing remaining balance. 

I have not been able to qualify for housing or another vehicle loan because of this. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2023, I received an email that my federal student loans were transferred to XXXX from XXXX due to my enrollment in PSLF. A few weeks later the XXXX loans dropped off my credit report and appeared under XXXX correctly. On XX/XX/2023 I noticed my credit report had my federal student loans now duplicated after being correctly reported initially ; they were showing as if I had loans with both XXXX and XXXX. So instead of having {$60000.00} in federal student loans, my credit report is showing I have {$120000.00} in student loans. The day that I noticed this, I submitted an inquiry with XXXX, asking why this has happened. Five days later they replied and stated they were aware of the issue and NO OTHER ACTION IS NEEDED ON MY END. There was no timeline provided of when it might be fixed, no explanation for why this happened, or any other elaboration. The generic automated email I received when I submitted the inquiry provided information to submit a formal dispute in writing. I dont understand why I need to mail them my issue when I have already submitted an inquiry with a case number for their credit reporting error. After receiving this email I tried to call them during their business hours. The phone rang/I was on hold for nearly 40 minutes with no human interaction. I could not wait for them any longer so I hung up. I submitted another claim on XX/XX/2023 asking for more information and an explanation. I stressed that this is negatively impacting borrowers livelihoods. I am in need of a new car. I am not going to get approved for a car note with {$120000.00} of student loan debt on my credit report. Again, another automated response and this time I did not receive any acknowledgment nearly 2 weeks later. I see on a XXXX thread that this has happened to others as well. Why is XXXX treating this like a non-issue? Is it really that difficult to correct a credit report? I need this fixed immediately and I need answers yesterday. My intention with this complaint is to bring awareness to this issue. If XXXX does not take action from this complaint then I will be disputing the inaccurate reporting through either them or Trans Union. This is absolutely unacceptable.

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 2022-07-28
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: Their investigation did not fix an error on your report

Complaint:
Written requests have been submitted to the XXXX Credit Bureaus XXXX XXXX Mail and online to inform that this account with XXXX Bank, with account number XXXX and Credit XXXX XXXX {$3.00}, XXXX was never authorized. The bank was never permitted to open an account with the given information unless my personal requests are met. I believe they have understood my requests but as I checked my Credit Report, the account is still reporting with a closed status. I have instructed the Bureaus and the Bank to remove it from my Credit Report but they have consciously and continuously doing the same thing. I am doing my best to make my profile cohesive with and in good standing but the XXXX and XXXX Bank 's actions are trying to ruin it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$130.00}

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 2022-09-26
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In October 0f 2021, I received a phone call from Synchony saying that my Dick 's Sporting Goods credit card was past due, I had not received the paper statement. I called and asked if my statements may have been set to paper only, they assured me that it was not. I paid a late fee and paid the card off, as I always do. I didn't use the card again until XX/XX/22. Again, I was notified my acct was past due, I immediately paid the bill in full, along with another {$29.00} late fee. This time I decided the service is so poor that I would close the account rather than deal with this again. I called and closed the account, the initial person I talked to said she was transfer me to someone that could assist me, I was transferred to the automated system. The fact that they assured me that my account was not set to paperless was a complete lie. They have profited off their practices twice, in addition I was considered past due twice when I never pay my bills 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 monetary relief
Consumer complaint received 2023-11-25
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
A while back I thought emails regarding a chase bank XXXX XXXX were spam emails. However, sat XX/XX/23 I received a new XXXX account and XXXX  in my mail. I called chase to ask about this request and who ordered it. No information was given

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
Company: LTD Financial Services, L.P.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LTD Financial is now stating I owe XXXX XXXX {$870.00}. This debt was paid through another collection agency in 2021 and the check cleared through my bank. I do not owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my consumer reports. I was shocked to learn that I have been a victim of identity theft. I was found numerous accounts on my consumer reports that were not opened by me. This has been hurting me as I am in the process of buying a new vehicle for my Family.

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 2023-11-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent a dispute package to the credit bureau where the account is listed and XXXX has refused to remove the account from my report. I sent multiple pieces of evidence in support that the account was not created by me and XXXX refuses to take action. Additionally, I have called the XXXX " customer support '' team multiple times and they are incredibly unhelpful. I would not consider them " support '' as they have not supported me whatsoever.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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