BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing fraud items on my credit report since XX/XX/XXXX. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is signed and attached with an FTC and Identity Theft affidavit, yet the bureaus are still not taking any actions. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the accounts claim to be mine. Not only have I not received any mail showing the verifiable proof needed to justify the items to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money with no end in sight and no results to show. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX  Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
i sent a le/tter out XX/XX/2020 with no reponse now by law it states the bureaus have 30 to respond and if not it must be deleted.

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 2022-09-01
Company: EQUIFAX, INC.
State: NY
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:
Consumer Financial Protection Bureau, XXXX is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act the following companies have violated my consumer protection rights : XXXX XXXX  - Account # XXXX XXXX XXXX - Account # XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX 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.

I tried contacting these companies repeatedly and no one is helping me and I need an immediate remedy of this situation.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: VA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: JPMORGAN CHASE & CO.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2022 To whomever this may concern, Hello, my name is XXXX XXXX XXXX - SSA # XXXX. One of the main issues I would like to discuss in this complaint is the dispensation of E.I.P. from the U.S. Treasury, it's decision on recipients, and the severity of the unprofessionalism and misappropriation that has occurred on behalf of the respondant. With records to verify, I am a tax-paying citizen and continue to give my example of integrity and formality within U.S. border for the sake of present and future generations to advance in this country. The last impression I would want to experience from lead positions in this nation, would be something totally contrary to what our flag flys for. Notwithstading, the reality of an State of Emergency is not limited to an biological epidemic ; the lack of funding for maintenance and security during this multi-faced crisis is all the more severe for citizens who actually appreciate a platform of freedom. With tax preparation completed many months ago ; on top of prepaid+checking accounts activated solely for the E.I.P., I try not to become as frustrated as these circumstances have taken me. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We are a XXXX XXXX in Texas and we have been attempting to retrieve the Release of Lien from The Loan Depot, and their Servicer, XXXX XXXX XXXX. We handled a purchase transaction for the seller, XXXX XXXX XXXX and XXXX XXXX XXXX. We have 3rd Party Authorization signed twice by the sellers, as well as a copy of their drivers license, a request by XXXX XXXX XXXX We wired payoff funds to XXXX XXXX XXXX XXXX XX/XX/2022. Multiple calls to the Servicer, letters and emails, phone calls, and a phone call to the CFO of Loan Depot, XXXX XXXX have not produced the Release of Lien. We have jumped through every hoop, and provided everything they have asked us to. We are approaching 120 days. I have attached our documented attempts to acquire the Release of Lien, Proof of wired funds, Payoff Statement, both 3rd Party Authorizations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2018-06-01
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Failure to provide ways to make auto payment. Site gives errors when payments are submitted. Bill pay payments undeliverable and always get hung up on Since day one of having this account i have had nothing but issues with BBVA. From website issues, payment solutions page always giving errors when making payments, being told to go online but then tells me my account is not found. I have incurred late payments due to this even when i try to pay on time!! I have been speaking with XXXX XXXX in regards to this and all proof was sent to him and he corrected a few lates and took payments manually for me. Everytime i call i get hung up on, told i will get a call back then no call back at all, left several voicemails for XXXX and no repsponse back. I was told to login to BBVA site create account and i can pay and view bill online. Once again says no account found, or system error when i use solutions page to pay. Issue not fixed when stated it was! Last i spoke to XXXX and he said he would look into this and get it fixed moving forward and have all lates removed from my credit due to this issue. Here were are again and now 60 days late because they wont take my payments, calls, hang up on me and site still not working and my bill pay via my bank comes back undeliverable as well! I received a call back and voicemail stating they were researching the issues to fix this for me and i called back and not one phone call back since!!! They blow up my phone in collections for manual calls but everytime i answer there nasty and rude and hang up on me, or wont get me to the person i ask for to resolve this and try to explain what has been going on and was told to speak with XXXX directly since he is handling this account for me. Then when i try to call and pay they don't answer, hang up on me, or no automated payment system to even pay with! I can't even trade car in now because of all the inaccurate late pays they reported which were all from their website and payment issues. I have found out as well others who have this company are experiencing the same issues. 

I also uploaded a voicemail confirming they are researching the issues to get this resolved and fix my account and when they said for me to call back i did 2-3 times.. and not one call back or email to update me on anything. NOTHING WAS DONE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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:
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  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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish my 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 2022-03-07
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : XXXX DBA XXXX 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 2019-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX SSN : XXXX and my complaint is against XXXX  XXXX, account open XX/XX/2015 date closed XX/XX/2015, due to fraud activity with a balance of {$3800.00}. Back on mid 2015 I was a victim of identity theft, product of this issue fraudulent accounts started to open under my name. My personal information was compromised and as a result my account with your company was fraudulently opened. I did not authorize ; neither did I benefit anything from this fraudulent account that was included in my reports. This complaint is a direct confirmation that I want this account deleted. In accordance with the Fair Credit Reporting Act, please stop all collection proceedings. I have enclosed copies of My FTC report made back on 2015 that XXXX  has ignored for 4 years and the Federal Trade Commissions notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. I request that your stop collection activity and remove this account from my credit reports. I demand an immediate deletion letter from this the mentioned company. If I have to take this case to a federal court because of XXXX  negligence and unfair business practices believe me, Im ready to pull the trigger with that lawsuit. If the mentioned company provides me a deletion letter no legal action will be taken against XXXX  or whoever their mother company is. Im also including on this complaint XXXX XXXX , XXXX because in the report in XXXX  information the address they have is from the mentioned company. An Im also including Transunion because its the only credit bureau which it is reflected on and Im pretty sure they will do a serious investigation regarding the matter. 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 2019-11-28
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company has not sent me a statement for the most recent billing cycle and I am unable to access my account online. 
This happened to me last payment cycle as well and they misapplied my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I contacted Edfinancial, my federal loan service provider, on Friday, XX/XX/2022 after the government announced student loan forgiveness. I make below the income needed to qualify for forgiveness and I received a XXXX XXXX so I would qualify for the full $ XXXX forgiveness. 

During the pandemic, I made {$9700.00} worth of payments. The Federal Student Aid website explains that I can request a refund for all payments I made during the pandemic due to the CARES Act. The refund would reinstate my loan balance on Edfinancial so it could then be forgiven as part of Bidens Loan Forgiveness plan. I understand actually cutting the check would take longer since it comes from the government but its Edfinancials role to ensure the request is submitted in a timely fashion and that the balance is reinstated promptly.

That Friday, I called Edfinancial to make the refund request. They said the refund timeline would take a minimum of 150 days. This processing time is completely different from that of every other servicer. XXXX, XXXX XXXX, XXXX, and XXXX are other loan servicers and are quoting 3-8 weeks turnaround time. I also know people with accounts at these services and they are already seeing the balance reinstated on their accounts. 

I called Edfinancial a week later on Thursday, XX/XX/2022 and asked to confirm when the balance would be reflected back in my account ( again, its my understanding that the government issues the funds, but the loan servicing provider reinstates the balance on their own accord ). Once again, Edfinancial said it would take a minimum of 150 days and that they would ONLY reinstate the balance after the check was cut by the government. They also blamed the government for why they cant reinstate the balance on my account more quickly even though other loan servicing providers do not have to wait for the government to reinstate balances. 

This is worrying for me since the balance has to be reinstated for forgiveness to occur. This means that I wouldnt see the balance on my account until XXXX at the earliest, which would be when interest rates and payments would resume. Additionally, Edfinancial is not able to provide confirmation on any of this. They said they will not provide written confirmation that the refund request has been put through. 

Again, they are the ONLY student loan provider that is providing this long timeline. Other loan servicing providers are already reinstating balances on accounts after a few days, but Edfinancial is saying this will take 5-6 months to a year. I understand that Edfinancial has a lot of requests coming in but so do the other providers.

It's concerning that Edfinancial appears to be misleading consumers with these long payment timelines that would put consumers at risk for losing loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act the following companies have violated my consumer protection rights : XXXXXXXX XXXX  - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX 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.

I tried contacting these companies repeatedly and no one is helping me and I need an immediate remedy of this situation. 

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 2022-09-01
Company: Experian Information Solutions Inc.
State: NY
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:
Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. 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 2021-04-16
Company: EQUIFAX, 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:
I AM TIRED OF WRITING XXXX, EQUIFAX, XXXX ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I AM PREPARED TO GO TO COURT IF THEY CONTINUE TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. 

NO CONSENT IS IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX, my credit was pulled by my credit union and I was advised that there were negative collection items reporting on my credit file. When I looked over the report, I noticed a few medical bills and a bill from a XXXX XXXX. I do not owe any medical bills and I do not have any pets. So I contacted XXXX, XXXX, and Equifax on XXXX XXXX by letter and advised all 3 credit bureaus that they were reporting inaccurate information on my credit report and in turn, this information was harming my ability to obtain the credit I desired. XXXX and XXXX investigation results proved that these items did not belong to me and removed them from my credit file. Equifax, however, came back indicating that they had performed an investigation and determined that these items were valid and did not delete them. I resubmitted a dispute providing Equifax with the results from XXXX and XXXX and requested they provide me with copies of their investigation results that verify that these items belong to me and they have since stop communicating. I have provided proof from all of my efforts.

Company response to consumer: Closed with non-monetary relief