BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
For XXXX XXXX XXXX XXXX XXXX did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2022, I contacted XXXX XXXX to terminate my service because I was relocating and no longer required my home telephone. I instructed that my service was to end on the last day of the month, and that no further charges were permitted to my account, which was to be closed. XXXX additional charge was debited from my checking account following my giving both verbal and written notice of cancellation. I contacted XXXX XXXX -- and after XXXX hours on the phone with XXXX different upper-level supervisors -- I was assured that the problem was resolved, and received XXXX different emails from them the same evening indicating that I now had a XXXX and/or negative balance ( reflecting the amount of the charge in question, which had been debited after my cancellation ). I saved these emails ; and, of course, I still have them as evidence today ( see XXXX screenshots, attached ). When I began receiving letters from XXXX that I still owed them money, I did attempt to contact them on several occasions, but was unsuccessful because my account no longer existed. That is to say, they could not locate my account neither by my address nor by my phone number, nor by my name, because both had been terminated. I was without recourse. Now, I have received a letter from collections ( XXXX XXXX XXXX in XXXX, MA ). I do not owe this debt. XXXX MUST cease all communications with me immediately, for I will pursue fervently all legal means available to me to seek action against them for harassment. Likewise, I will similarly seek legal action against any and all collections agencies, XXXX XXXX, and any and all other entities who attempt to seek and collect this debt falsely. Furthermore, should my credit in any way be adversely affected because of the erroneous reporting of this false debt to the credit agencies, I will likewise seek and pursue fervent legal action and hold all parties responsible for any and all legal fees I XXXX incur, including fees to restore any possible harm to my XXXX XXXX, which is currently XXXX as of the time of filing this report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, XXXX original debtor XXXX has received a check and cashed agreeing that the debt has been paid in full and will remove the debt from the credit report if cashed. The check was cashed on XX/XX/2023 and I received a call on XX/XX/2023 advising me they have a balance left and they do not have anything to do with the updating of my credit report. Please have this debt removed as a negative remark on my credit report as the debt has been paid in full and the agreement must be honored. Attached is the cashed check with the agreement of being cashed debt will be XXXX and removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX of this year, I called up and discussed a direct deposit promotion with a customer agent. He told me that I had to repay a prior direct deposit promotion before I received a new one or I would start getting charged interest. I moved a lot of money around and got prepayments from clients and paid most of it that day and the rest the next morning ( which was the same day I received the direct deposit ). He had told me that this would be fine to avoid interest. 

I noticed today that I was charged interest on my current statement ( {$81.00} ) and most recent statement ( {$55.00}, for a total of {$130.00} ). I called in and spoke to someone who said that it was about a grace period not applying unless I paid off the entire balance, which entirely defeats the point of a promotional balance. I asked to speak to a supervisor ( someone named XXXX XXXX. She clarified that it was in fact because I had failed to pay off the pre-existing promotional balance. I told her that I did and she noted that it the same day payment issue but she wasn't sure " how it was allocated. '' Then she told me that her system was down and couldn't get the details so she couldn't do anything so I should call back later. I told her that I wasn't sure I believed her. 

I called back later and spoke to another frontline associate who told me the same story the first one did ( which had been confirmed to be incorrect by the previous supervisor ) and that there nothing I could do. I asked to speak to a supervisor and he refused. I insisted, then he put me on hold and made me wait 30 minutes, then came back and told me a supervisor was unavailable and I could request an email in two days. I told him I would file a complaint and hung up, so here we are.

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 2023-04-12
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: NJ
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 3 unauthorized hard inquiries on my credit and I would like them removed. 

Dates are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: SC
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 Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX  - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX  - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX  - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX  - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX - XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, 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'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 explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: KY
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:
Hi, I have a case with you concerning Equifax case XXXX. They mailed a letter in responses to the complaint requesting the same information I have sent for 2 yrs. They are playing game, they think if they respond to us that I will forget and drop the case but Never this is illegal and they are wrong.Please post a review of this issue and inform me and others of how to pursue Attorneys. 
What are my rights under the Fair Credit Reporting Act? 

The FCRA provides a list of consumer rights regarding individuals credit history information. Under the Fair Credit Reporting Act, you have a right to : Access to Your Credit Report The act requires credit reporting agencies to provide you with any information in your credit file upon request once a year. You must have proper identification. 
XXXX tried to do the same thing, but thanks to you consumer protection after 2 yrs of them withholding my report they mailed it to me, '' Your awesome ''. So I will wait until you win my case as always, your champs. Thank you from the top of my heart, '' all who suffer injustice by these companies thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-20
Company: Experian Information Solutions Inc.
State: FL
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:
I am writing to dispute a medical education loan that has been reported on my credit report. I took out this loan from XXXX ( with account XXXX ) to finance my XXXX  education, with the understanding that repayment would not begin until after my graduation. 

However, despite my graduation being scheduled for XX/XX/2023, I have received notices from the lender that my loan is due and past due. Furthermore, the lender has reported the debt to credit reporting agencies, which has had a negative impact on my credit score. 

I have attempted to resolve this issue with the lender, but I have not received a satisfactory response. I believe that this is a violation of the terms of the loan agreement and that the lender is in breach of contract. 

I am requesting that the Consumer Financial Protection Bureau intervene in this matter and conduct an investigation into the actions of XXXX. I am seeking a resolution that will remove this debt from my credit report and prevent any further negative impact on my credit score. 

If you require any further information or documentation, please do not hesitate to contact me. 

Thank you for your attention to this matter.

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 2022-12-01
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I lost my job due to Covid, in result I had applied for a forbearance on my loan. When the forbearance ended I was unable to do any loan modifications or make any payment. After sending documents and getting put in circles I got approved for a streamline loan modification. When the time came to make the payment I was unable to due to my home being in an active foreclosure again. About a month prior to the payment I payed an escrow payment of XXXX to lower my monthly payment from XXXX to XXXX. I asked the lady when the escrow payment was payed if I need to do anything and she told me I do not. I was informed the reason I was denied when I went to make my payment was due to a hardship letter. My wife and I then applied for a loan modification again, this loan was dragged on and on which then was eventually closed. I sent multiple copies of multiple documents via fax that are never received. While in the process to then apply for the loan again I was told the reason I originally was denied was not a hardship letter was actually an offer letter than I never signed and returned. ( which I never received ) What I did receive was a bill for XXXX dollars due on that day. After a month of calling I finally come to find out that I am denied for the loan modification. This loan modification that I was denied and now have to sell my home and move was approved multiple times in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: MD
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 sent out my first dispute on XXXX on a XXXX XXXX XXXX. I sent the letter certified mail and I also sent a follow up letter on XXXX about this same account and the error was not updated or deleted. In accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This account it not.. I found Inaccurate information on my credit report that your agent refuses to make sure it was reporting 100 % accurate. 

Here is the letter I sent : I sent this letter to all 3 credit bureaus. I also sent this same letter again on XXXX and as of today XXXX the account has not been updated or deleted. 



XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX # XXXX XXXX ) Date of Last activity : XXXX reported date XXXX, Experian reports date XXXX and XXXX reports date XXXX. Please Delete this inaccurate information off my credit report. 


I attached a Copy of my credit report and highlighted to errors as well. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2022-12-02
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. XXXX pledging us as collateral to back government debt. 
XXXX XXXX XXXX the government has obligation to discharge and settle debt we may incur

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXXXXXX XXXX Account No - XXXX XXXX. Amount Owed {$1000.00} XXXX. Placed in Collections XX/XX/XXXX XXXX. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. No Verification performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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 a account without my written instructions. 

Kindly delete the account. 

Thanks 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 non-monetary relief
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXX  Account No - XXXX 1. Past Due- {$1300.00} 2. Last Payment XX/XX/XXXX 3. Account XXXX XX/XX/XXXX I already contacted XXXX XXXX on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX  XXXX XXXX XXXX XXXX account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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 a account without my written instructions.

Kindly delete the account. 

Thanks 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 non-monetary relief
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
on XX/XX/2022 I submitted documents that showed grave inaccuracies in information being reporting on my credit file by XXXX, XXXX and TransUnion. The only one of the above entities that I received a response was TransUnion and it did address XXXX of the unfair and unbeneficial items reported ; however there are many more items that I requested to be deleted due to major inaccuracies and surely this is not fair and equitable to me. This is a major infraction and violation as of the FCRA and I have given the above entities sufficient time to comply and it has not been done. I request that all of the inaccurate information BE DELETED IMMEDIATELY.

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 2023-07-27
Company: EQUIFAX, INC.
State: PA
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 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 explanation