BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-30
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Satisfied Judgment Filed XXXX ; XXXX XXXX XXXX Cour ; Case or ID # XXXX ; Defendant XXXX ; Not mine wrong person ( My name is XXXX XXXX XXXX Amount ) {$630.00} ; Plaintif XXXX ( XXXX ) XXXX credit report changes each month with information not belonging me its gets Deleted then re-add UNIVERSITY XXXX ( Auto ) {$1300.00} UNIVERSITY XXXX $ XXXX ( other ) XXXX XXXX XXXX XXXX ( Other ) {$46.00} XXXX XXXX XXXX XXXX ( Auto ) {$200.00} XXXX XXXX BANK XXXX Opened Date XX/XX/XXXX NOT MINE, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX NOT MINE XXXX XXXX XXXX, XXXXXXXX XXXX NOT MINE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NOT MINE No proof of debt validation of a debts I do not owe AND basic inaccuracies on my credit report with Immediate effect now, EQUIFAX has not only been evasive over my report, they have never once provided the requested and official documentation required by law, nor have they corrected or prevent this wrong information the information, Not once have they provided me valid proof that it was mine NOR that I had a contract with either of this company, nor have they corrected the information. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. That the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I have repeatedly asked them to provide the following, below ( items 1-6 ) but would not disclose how they got any of my information in the first place : 1. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. I intend to sue Equifax if all these are not removed from my file, this clearly shows Equifax is reporting Wrong information and other people 's information on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: EQUIFAX, INC.
State: OH
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:
these banks & companies listed below obtain a hard copy of my credit reporting resulting in hard inquiries from all 3 major bureaus equifax, XXXX and XXXX that i did not authorize nor did i inquire with these companies listed below about applying for any new credit cards or loans this was done fraudulent and any account associated with these inquiries are fraudulent XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX on XX/XX/2020 XXXX on XX/XX/XXXX & XX/XX/XXXX of 2020 XXXX XXXX on XX/XX/2020 capital XXXX JPMCB XXXX XXXX XXXX on XX/XX/2020 XXXX bank on XX/XX/2020 BK OF XXXX on XX/XX/2020 XXXX card services on XX/XX/2020 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I went to the XXXX dealorship to shop for a car in 2014 and they sent my information to multiple lenders. Now my credit report has several hard inquiries. I later learned that this takes up to two years to come off your credit. I am trying to rebuild my credit and this issue did not help my score at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I went to a credit union to apply for a loan. My credit score with Equifax was XXXX. However, I noticed that my total Available Credit ( AC ) was {$750.00}, and my balance was {$290.00}. At that time my AC was {$1200.00}. My unsecured XXXX XXXX card for {$500.00} was not on the report. ( Now my AC is {$1900.00} ). The {$290.00} is way over the recommended 33 % of {$750.00}, which hurt my score. Having this corrected would get me a higher loan with a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My home was foreclosed on in 2013. I had two mortgages. 80/20 First loan was with XXXX and the second loan was sold multiple times, and ended up with Shellpoint Mortgage. 
After the home was foreclosed on, the first loan, XXXX was paid and now is currently listed as Resolved through Foreclosure on my credit report. 
The second loan is still active on my report and it states that the account is 180 days + past due every month and hurting my score. 
My question, should this account also be resolved through foreclosure? 
I have called both companies several times and they both seem to give me the run around. 
Shellpoint tells me there is no alternative and I must pay the original loan off ( over $ 80k ) which I am unable to do. 
Do I have any legal standing?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Credit Karma, LLC
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Credit Karma issues bank accounts through XXXX XXXXXXXX. But credit karma refuses to allow access to this account. I am unable to link any bank account to my credit karma account and I have no way in depositing cash into my account. I have tried multiple bank accounts over different days and Im constantly getting an error saying Credit Karma is unable to link external accounts, they offer 0 support otherwise. 

Credit Karma does not allow manual linking of external accounts and their account linking program with plaid does not work. It should be illegal to not allow people to access, weather that be withdrawing or depositing money. It has been over 10 days and Im still unable to link an external account and now am possibly going to be late on rent. This is ridiculous. 

Withdrawing cash is very inconvenient and can almost not be done without fees being assessed, most of all points atms do not work and are not even around. Depending on the time, all atms will be closed and your are forced to use an atm that will assess fees. Credit karma is not allowing access to customers money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A mistake was made in XXXX systems and inaccurate information was sent to collections with out notifying me in the beginning of XX/XX/2018. On XX/XX/2018 the account was disputed and deleted from my credit and no longer shows up on my credit and XXXX admitted fault shortly after disputing and sent a letter indicating I had experienced fraud. Now XXXX is saying I owe the amount again since the collections company ERC ( Enhanced Recovery Co ) neglected fixing the account and when contacting ERC they state that the account was disputed twice that it was never deleted. I sent in proof from XXXX showing the amount was disputed and deleted with the exact information that they were accusing me of to XXXX. The company instead ignored the information I submitted and sent false information to the XXXX  as well as the Attorney General saying that I am liar and they are correct when I have more than enough proof about everything but I have no one to submit it and they take the word of the company over mine all because ERC never fixed the account since its not even on my credit and it was disputed back in XX/XX/2018 as inaccurate and XXXX admitting fault as well. ERC tried getting me to pay half for an amount that is because of fraud. My credit was damaged and XXXX had to run my credit again and followed my account and will not fix the issue because ERC and XXXX are negligent even with proof and are trying to scam me into paying a balance that isnt mine or on my credit. Is there no way to show my validation instead of just taking what the company claims making me waste hours out of my day and making me go in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX Account reporting with a a balance of {$560.00}, a minimum payment of {$330.00}. That information is incorrect, my balance is {$460.00} with a minimum balance of {$0.00} and monthly minimum payment of {$35.00}. I have attached a screenshot of my account as of XXXX/XXXX/2016. Both XXXX and XXXX have updated it however equifax claims that they have verified this false information. I have also attached the letter straight from XXXX XXXX. 

I would also like the remark " Consumer disputes this account information '' removed from XXXX and from XXXX " Consumer disputes after resolution '' I no longer dispute none of these account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX USPS to have the account removed from my credit report. XXXX XXXX XXXX, TransUnion and XXXX all removed this account from my credit On XX/XX/2022 These items where place back on my credit report by TransUnion and XXXX. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed another Police Report ( XXXX UPDATE ) XX/XX/2022 and sent it certified mail ( XXXX ) I attempted to dispute this account again However XXXX  rep told me the account would stay on my report. On XXXX I spoke with XXXX a specialist that XXXX made me pay for in a membership benefit form. XXXX told me to send in another police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 Tracking XXXX According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is suppose to share my information to a third party. I did not give written permission to have the accounts added to my credit report. I have also attached a recent copy of my FICO report to support and show inaccuracies. This is my second complaint with CFPB- First case number XXXX ( XXXX XX/XX/2022 ) Closed ( XX/XX/2022 ) This clearly violates my federally protected consumer rights

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 2016-02-07
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Review the attached letter to this complaint from United States Senator XXXX Office. I received a letter from Senator XXXX office regarding his representatives speaking with Equifax representatives in regards to accounts listed on my credit report that 's not mine and incorrect information. Equifax informed U.S. Senator XXXX representatives that, they will review the errors on my credit report and immediately delete and block the accounts from my credit report. They fraudulent and unauthorized accounts are still listed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
Company: Veros Credit, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back on XX/XX/XXXX I submitted a complaint with the CFPB in regards to a company by the name of Veros Credit and included in that complaint was a law firm by the name of XXXX XXXX XXXX, XXXX. and the attorney in question is XXXX XXXX ( bar # XXXX ). XXXX XXXX has fraudulently attached not one but three liens on a property that I have never owned or have ever been the owner of. The house belongs to my father and was purchased solely by him in XXXX. In reference to said complaint I then received a satisfaction of final judgement in the mail from the law offices of XXXX XXXX XXXX, XXXX Keep in mind that at that time there was only one lien on record, but as of XXXX there are three. Not only should the lien not have ever been placed on a property that is not mines and does not nor has it ever belonged to me, but it should've been removed back in XXXX. He needs to be held accountable for his fraudulent actions so I will be proceeding with this matter legally in court and I will also be filing a complaint with the Florida Bar in regards to this matter. 

I've attached photo proof showing who rightfully owns the property and I've also attached photo proof showing the three liens on the property with XXXX XXXX as the creditor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX XXXX to have the account removed from my credit report. Experian. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed sent it certified mail r Experian rep told me the account would stay on my report. On XXXX I spoke with XXXX a specialist that Experian made me pay for in a membership benefit form. XXXX told me to send in a police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is suppose to share my information to a third party. I did not give written permission to have the accounts added to my credit report. I have also attached a recent copy of my XXXX report to support and show inaccuracies. This clearly violates my federally protected consumer rights

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 2020-02-28
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: Their investigation did not fix an error on your report

Complaint:
Hello, The following account is not mine. Please update or remove from my account. Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2020-02-28
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have contacted all three credit bureaus about this debt, I signed up for XXXX and the amount was to high so I signed up for another service. I believe I was over charged the the service did not use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When using the Carrington Mortgage website to pay your mortgage payments, I pay the amount that 's showing as due. Then the following month, they send you a notice advising that you owed a late fee that should have also been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX credit cars with XXXX, XXXX is a XXXX, the other a XXXX. Both are current. Equifax is now showing that I have a card with XXXX numbered XXXX ( it does not list the last XXXX digits ) with a balance of {$720.00} that is over 120 days past due. This is not my card. I have notified Equifax. I called XXXX XXXX to notify them, as well. XXXX XXXX says they will need 90 days to investigate, and that I need to deal with it through Equifax , as it is their error, not XXXX. The XXXX employees speak XXXX very poorly, and communicating verbally with them is difficult. They provide no email address to which one may send electronic correspondence. The entire thing reeks of a scam. I had this same problem with XXXX and this same card. These people are ruining my credit in an attempt to extort payment from me for a debt which is not mine. They actually suggested that I just pay it, even though it is n't my debt, in order to have it removed quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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: Personal information incorrect

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 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 2020-02-28
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$32000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

-- CLOSED ACCOUNT -- 2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account.

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 2016-04-29
Company: Nelnet, Inc.
State: ME
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
In 2006 I cosigned a private student variable rate loan. The interest rate at the time was 8.68 percent. Today the rate is 8.75 percent .Even though the prime rate has gone down substantially the last 10 years the rate on the loan has not been reduced. It seems that the rate should have dropped. I have called the company and they have not given me a satisfactory answer. I think there is fraud here. Please advise

Company response to consumer: Closed with explanation