BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
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:
My name is XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have registered a new credit card of Amex XXXX XXXX XX/XX/XXXX. 
There was an offer which is a sign-up bonus of XXXX XXXX points after spending {$3000.00}. 
I had spent over {$3000.00} XX/XX/XXXX then paid off when I got a billing statement. 
After spending over {$3000.00} they, Amex, has not given the XXXX bonus yet. 
I have tried to figure it out 4 times with chatting and calling but they only said that your case is investigating. They gave me a time frame of 6wks and 8wks to be completed but it is still expanding forever. It seems like they do n't want to give the bonus and are willing to be a thief in XX/XX/XXXXnow. I know many people who made Amex XXXX card at the offer period and they have not received the bonus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
An XX/XX/XXXX account contacted me offering to sell me their account for {$90.00} and I agreed. They asked me to pay via Paypal and set it as friend and family and I did. They then immediately blocked me after receiving the funds. Their XXXX isXX/XX/XXXX and the e-mail address associated with their paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX  closed my account on XX/XX/2020 because inactivity.This is not the case. The truth is XXXX XXXX  closed my account because of the covid-19 pandemic as well other peoples accounts.As soon as the covid-19 pandemic hit especially in michigan where i live, XXXX immediately closed my account.From reports i read and listening to the news, XXXX and other credit card companies decreased limits or if there was no balance, they closed the accounts.Because of this, my credit score has decreased and this account will show closed for many years hurting my credit and score.I have tried fixing this but im not getting anywhere.This must be looked into.Its not fair what they did

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 2015-08-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is reporting the wrong dates for an old bankruptcy I have already disputed the account many times and they will not remove it. I have already sent them proof of correct dates. correct date is XXXX XXXX 2007.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My Wife and I, Are Disputing An Item On Our Credit Report ... It 's A Judgement That Was Apparently Granted But Neither Of Us Knew About It And Was Never Served.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed a tax lien that has been released with all XXXX credit bureau and disputed them through credit karma ( tried to dispute through XXXX, but they are impossible to navigate disputes ) ... I also had disputed XXXX that was satisfied and removed, but still showing on my report..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I do not have an account with Sallie Mae. I reached out to them and they mentioned that there is no account in my name with them or even under this account number. When I dispute this with the credit bureau 's it is still showing up on my report yet it is erroneous. This needs to be deleted as soon as possible. Due to this erroneous reporting, I have been denied credit and I am in the process of purchasing a home. I wrote Sallie Mae and they mentioned that this is not their address and that this account does n't even exist in their records, yet it is showing up on my XXXX and XXXX report. Please DELETE this. This is reporting incorrectly and is against the FCRA reporting responsibilities. The account number is XXXX. Please see attached, for I have circled the account that is showing up on my XXXX and XXXX Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient has created a false account under my name with an address that I have never lived, They have been reporting inaccurate & incorrect information on my credit file. and has been adding ridiculous fees & interest of {$200.00} to XXXX every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
The following shows up on my report, CREDCO, when I click on it on the side it shows as misc. I have no idea of what this is or why is it even showing up on my report. It says it was done on XX/XX/XXXX but I have not ran or tried to use my credit as of yet. 
Not only that but the following also shows Institution Information XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX I have not applied for this as well. Please help me on how to dispute these issues.

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 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A fraudulent account is reporting on my credit report that is impacting my credit scores. 

XXXX {$620.00}

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 2020-08-16
Company: EQUIFAX, INC.
State: NY
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 previously notified Equifax that I am a victim of identity theft and there is a fraudulent XXXX account. Account number says XXXX, and it is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2022 someone used my credit card for {$100.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I put in a fraud case and was overturned saying it was me. I never ever was at a casino and no less taking a cash advance for {$100.00}.

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 2020-08-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2019 XXXX year old was diagnosed with XXXX, he stayed in the hospital x 2 months. I notified penny Mac of hardship no options were offered denied need for forbearance. I eventually picked up second job to catch up. In XX/XX/2019 my son fell really XXXX from XXXX and stayed in the hospital until XX/XX/XXXX. My son was seriously XXXX near   XXXX unable to go to work during this time had approved leave of absence without pay mostly, explained to penny Mac they didnt care or offer any assistance until Covid-19. I have written them and asked if they could delete the late payments since account is in good standing and provided medical documentation from my sons XXXX and hospital stay during the months the payments were late, I received no response. Can you please assist? Im asking for forgiveness if the late payments can be deleted due to my previous hardships?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Thaxton Investment Corporation
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 'm currently paying a loan by the month and i did get things caught up.But the loan company continues to harass me with phone calls and threatening me with legal action! I am currently on XXXX benefits with a XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had voluntarily returned a vehicle to XXXX XXXX in XXXX of XX/XX/XXXX. I could not continue to pay for the car and all of the repairs. I was sold this vehicle with a " warranty '' that added thousand s of dollars to the price of the car, but it covered nothing. They are reporting it as if I returned the car in XXXX of XX/XX/XXXX so now my credit is shot. I had built my credit up, but now it looks like I recently had a repossession. They are also reporting an incorrect balance. The terms of the loan are not correctly reported as well. When I call them I am on hold indefinitely. They dumped 6 months of negative reporting on my credit at XXXX time. Their information was not on my report until XXXX XXXX. I was scammed and hurt by them XXXX, now I am going through this again with my credit score dropping XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: EQUIFAX, INC.
State: GA
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:
Incorrect names, date of birth, and addresses are reporting on my credit file that is incorrect. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Each year I order my credit report for review. In XX/XX/XXXX I attempted to request by report on line without success ( because Equifax does not correct errors ). I ordered the report via mail. On XX/XX/XXXX, I received two reports both dated XX/XX/XXXX with two different confirmation numbers. The information on the report was again wrong. I mailed a letter dated XX/XX/XXXX to Equifax with the corrections, their form completed. and documentation to support corrections. I also sent a copy of my XXXX letter requesting the same corrections. I reported XXXX to both CFPB and the Washington State Attorney General as Equifax falsified my report, failed to release my report and failed to correct my report etc. 
The same request was made to XXXX  and XXXX. I received their XXXX reports with no errors. 

I have had no response from Equifax Information Services LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Experian Information Solutions Inc.
State: MO
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 am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. I am a insert profession here and my credit is crucial to my ability to make a living. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. I'm sure you'll agree it needs to be removed ASAP. 


The following information therefore needs to be verified and deleted from the report as soon as possible : I dispute : XXXX XXXXXXXX XXXX Not mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX Not mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXX Not Mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXX- Not mine Delete/remove from my credit file. 

I dispute : XXXX XXXX Not mine Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXXNot Mine Delete/remove from my credit file.

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 2020-08-16
Company: Experian Information Solutions Inc.
State: GA
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:
Incorrect names, date of birth, and addresses are reporting on my credit file that is incorrect. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX & XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXX Account # 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.

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 2018-07-15
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My monthly mortgage agreement was with XXXX XXXX XXXX who switched to Ever Bank. In XX/XX/XXXX I  payed my mortgage early which was actually due XX/XX/XXXX. It was inadvertently lost in the mail. 
A company named XXXX XXXX  sent me several default notices received : 2 notices on XX/XX/XXXX  again XX/XX/XXXX and again XX/XX/XXXX with Pre foreclosure instructions and forms included. 
There was no disclosure on the paperwork that they were acting on behalf of Ever Bank. 
This was so upsetting as I have never missed a payment. I called my checking account bank and they confirmed my payment was not cashed. I then called the phone number on the first notice which was on pink paper. Within a week I was bombarded with 4 XXXX letters in addition to multiple phone calls. 
Not one message on my cell made reference to the fact that they were associated with Ever Bank! It appeared to be a phishing scheme by not identifying themselves properly. 
This approach is so heavy handed that I decided to help others who may be subjected to this treatment. I realized what happened and paid one month over the phone giving them my personal checking AC info, my cell number, email and other personal info. I still am not convinced they are not phishing. It was so unprofessional. There was no earnest help to problem solve the missing payment. Now I'm left wondering how a business practice like this is affecting others. I had to XXXX your complaint page as I have never had to resort to this. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Bridgecrest Acceptance Corporation
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
XXXX XXXX XXXX is charging excessive interest that violates KRS 360.010 Legal interest rate. I borrowed {$10000.00}, the maximum interest rate is 19 % interest rate, XXXX XXXX XXXX is charging 23.057 % interest rate. XXXX XXXX XXXX has refused to talk to me about the issue. 






See : Kentucky Court of Appeals Case XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
Beautiful day. Happy XXXX. XXXX has been one heck of a year. =- ( I humble myself to truly say thank you for taking a look at my situation. 

For about 2 months now I have been trying to respectfully dispute some issues with my credit. I sent and mailed off my ID and Social along with the proper documents and information needed for these companies to look further into the matter. Some of them said the items are accurate and have been verified ; however, I humbly asked and requested that they send me my signature showing that I have a binding contractual agreement with them. 

Month after month 2 now they have failed to show me this information. XX/XX/XXXX was when I last submitted this dispute and I do have certified mail receipts to track their inability to produce the necessary documents requested. 

They are tying to buy time as I have given them everything they need and require.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report is reporting inconsistencies. Please see explanation and accounts attached.

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 2022-02-21
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/21, I submitted a dispute to AWA COLLECTIONS. As of todays date, I have received no response from AWA collections agency, therefore you must delete this from my credit report per the FDCPA and FCRA. If you do not, I will pursue further action to the fullest extent possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: NV
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. I am filing this for myself and not anyone else.

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