BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: MA
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 am writing to submit a formal complaint against Equifax regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax to dispute certain information that I believe is erroneous. However, I have not received any response or resolution from Equifax to date. The following are the details of the disputed accounts and the required corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Because of the incorrectly reported data, I request that Equifax verifies the accuracy of the Balance of {$1000.00} for this account. I do not recall owing such a high amount, and the Past Due amount should not be provided for this closed and charged-off account. Please mark this account as disputed to prevent any further negative impact on my credit score. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} I require Equifax to verify the information reported for this account, as the Balance of {$330.00} is inaccurate in my recollection. The Past Due amount should not be presented for this closed and charged-off account. Kindly mark this account as disputed while I resolve my dispute with the creditor, so that it is not held against my credit standing. Moreover, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} The account XXXX  needs to be examined due to incorrect reporting. The Balance of {$600.00} that you report seems to be higher than the Balance that I remember. Your agency presented this account as closed, so the Past Due amount is not supposed to be provided for this account. I think it may be beneficial to address the misleading data directly with the creditor. I am determined to immediately proceed with such a course of action, but I need your agency to report the account as disputed while I'll be trying to find a solution. 


Account Name : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$10000.00} This account was never late, and I request Equifax to correct this inaccurate information on my credit report. 


Account Name : XXXX  ( Duplicate entry ) Date Opened : XX/XX/XXXX Balance : {$600.00} This account was never late, and I request Equifax to correct this inaccurate information on my credit report. 

I am deeply concerned about the inaccuracies in my credit report, as they have significantly impacted my creditworthiness. These errors have the potential to affect my financial opportunities and obligations adversely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Consumer Portfolio Services, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Dear CFPB i have owed this company consumer portolio sinceXX/XX/XXXX. the balance never seem too cease. XX/XX/2020 my car was hit sitting at a traffic light, according to XXXX my insurance co the car was considered a total loss because the air bags ejected. the loss amount of XXXX was paid too consumer portfolio. this company never called me to discuss my other options, except continue to pay and they considered my account in the rears even though payments was made in XXXX. it was said to me on XX/XX/2020 when i called that the payment did not come from me so my account is considered late and more late fees has been added to the account. i was so upset because the black balled my name with the credit bureau 's. i can not get another car even if i want too. plus with the virus out here killing people, i have not been able too work since XX/XX/XXXX, my workplace was force too shutdown. so now i have no car and can not get one. please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In previous debt dispute letters, I have requested not to called and only to be contacted through mail. I've had to block their numbers they use to harass people.

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 2020-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Capital One Credit Card placed {$1500.00} on my Credit Card which had {$800.00} limit with {$700.00} already on it by XXXX XXXX. I told them XXXX had no right to bill me due to a contract with my car insurance. Capital One Sent me bills with this amount and asked for interest and everything be paid over the limit vs asking for just the payment due with a min of {$25.00}. Capital One shockingly had to remove the disputed charge but 4 months later. 
I attached the original bill stating min was NOT {$22.00} as Capital One reported and gives as reason why they repotred me late 120 days? 
THIS IS IN BLACK AND WHITE & SO IS REASON WHY I WAS LEFT AS 120 days late? 
REASON FOR DELETE IS SIMPLE? 
WRONG MINIMUM AMOUNT REPORTED. 
WAS > {$450.00} min vs {$22.00}? & I CAN NOT BE EXPECTED TO REPAY A DISPUTED CHARGE ESPECIALLY SINCE I PROVED RIGHT! 
SEE MY INITIAL BILLS AND SEE THE {$22.00} min they claimed to as why they did not delete after I won dis [ pute. They say I should have paid the {$22.00}? I FOUGHT THEM ON THAT THE ENTIRE TIME?? > IT WRONG AMOUNT SO DELETE IS REQUIRED ANYWAY??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I pulled my credit reports and noticed I am a " joint '' with a XXXX XXXX?? 
I am not aware of this company and I have never co signed with anyone for an auto loan. I have a vehicle. I have sent a certified validation letter to the address which the credit bureaus provided to XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX and this company refuses to validate my signature or provide me with ANY paperwork for which I have signed for this vehicle. They have no paperwork because I did not co sign for anybody. I have NO KNOWLEDGE of this company. I need this removed from my credit ASAP. For this is holding me up from getting school loans for college.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In the last 10 years i 've had a couple of wild things happen to my credit but today I 'm complaining to this extent bc I 've reached my patience threshold. Noticed a tax lien ( lol ) and large collections for some credit cards ... thought maybe it was a mistake and perhaps it was because of a name mix up with the bureaus no.. this is simply what happens when your company is based solely on trying to charge for services instead of focusing on the families that rely heavily on their credit scores. Enough ranting, I did attempt to contact XXXX but no luck and nothing came from disputing directly so I feel like i 'm running out of options. Im attaching some required documents per one of the govt sites i 've been to. thank you for taking the time to hear me go on.

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 2022-05-05
Company: Experian Information Solutions 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:
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 2022-05-05
Company: Experian Information Solutions 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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2015-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
All XXXX Credit Bureaus are reporting Credit Accounts discharged in bankruptcy in XXXX of 2010 as derogatory credit. I have contacted the Creditors and they refuse to stop reporting the credit account as adverse/derogatory as well. 
This is a violation of the Federal Bankruptcy reporting laws and is negatively affecting my ability to obtain credit. It is also a false/fraudulent reporting of the status of my credit since the bankruptcy closure. 
The outsourced phone rooms handling the 'collections operations ' and credit bureau reporting do NOT understand US Bankruptcy law. The " Creditors '' blame the " Credit Reporting Bureaus ''. Neither entity can nor will accept responsibility for the fraudulent/false reports nor will they correct the reports. 
I have perfect credit since my bankruptcy and wish to increase my scores. They are making it impossible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have asked to have negative collection account information removed from my credit report since this erroneous charge off accounts are over seven years old from the original creditor and a debt collector keeps refilling or changing the date of the delinquency.

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 2016-07-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
would like to know if this derogatory statement can be taken off, although it was not foreclosed and ended up Short Sale. this has been a hard hit for me and getting to refinance is a show stopper. They got there money through short sale. This happened 2012. All I am asking is to please remove this statement as it not true and never happened a Foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In previous debt dispute letters, I have requested not to be called and only to be contacted through mail. They continue to call knowing this violates the FDCPA and Texas Debt Collection Act. I've had to block their numbers they use to harass people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage loan is with Specialized Loan Servicing, LLC ( CO. ). 
I am currently in the process of applying for a mortgage refinance with XXXX XXXX XXXX ( CA ). The credit report XXXX pulled, reports my loan with SLS, LLC to be in Forbearance/Deferral ( under Covid-19 loan assistance ). This is incorrect. There was never a request submitted to SLS, LLC verbally or otherwise for Covid-19 loan assistance. I have made all my regular monthly payments on a timely basis.

The credit union can not proceed with the processing of my refinance until SLS, LLC confirms in writing that my mortgage loan is not under any forbearance or deferral agreement with them.

SLS, LLC has refused to issue this letter claiming ; since my loan is not in forbearance or deferral under Covid-19 there is nothing to confirm. SLS, LLC erroneously reported my mortgage loan to be under
a Covid-19 related forbearance/deferral. I do not understand why they can not issue a simple letter to my credit union confirming the erroneous credit reporting.

Your assistance in resolving this issue sooner rather than later is truly  appreciated 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 2022-05-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, and 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, CXXXX XXXX # XXXX, and 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a judgment in a court of law in my favor against XXXX XXXX. Equifax and XXXX XXXX claim that this is still my debt although a judge has declared that it is not. The " investigation '' that equifax performed is inadequate and XXXX XXXX is not complying with the findings of the court. This case can be found online at the website for XXXX County Illinois. I do not understand how a bank and a credit bureau can defy a court judgment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: LA
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:
The last letter I sent to the credit bureaus was XX/XX/XXXX and yet they have failed to respond to my written letters. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and must be delete immediately : XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXXXXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX Date Inquired on XX/XX/XXXX NXXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX Date Inquired on XX/XX/XXXX XXXX Date Inquired on XX/XX/XXXX XXXX CO Date Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX - XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX FIRST XXXX BANK Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX FS Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXXL Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/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 2020-04-07
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I called TD bank to tell them that Im in the XXXX XXXX regarding The coronavirus. I asked for a supervisor to give me a call on my cell phone nobody. I was harassed by XXXX ID number XXXX. He called on Tuesday, XX/XX/XXXX. I talk to an agent on Friday she told me a supervisor call me within XXXX to XXXX  hours on my cell phone. TD Bank is the worst bank incompetent people. Im on the front lines dealing with this virus and Im being harassed by then they do not care about whats going on in this country in the front line people that are in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
was opened on XXXX XXXX XXXX and closed in XXXX XXXX XXXX by XXXX credit card. This account was defaulted and was reported to IRS which i have paid off through my Tax filling. Now even though the account is closed and resolved. This account has continued to show on my record. This account should be removed from my record entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
To Whom It May Concern TransUnion 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 To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX when I pull my credit it state that I just moved to the location I HAVE BEEN LIVING IN THIS ADRESS SINCE XX/XX/XXXX Have enclosed a copy of XXXX bills THIS ADRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX IS NOT MY ADRESS PLEASE DELETE Please update my phone number to my public profile XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 

XXXX, XXXX XXXX XXXX DOB XXXX XXXX XXXX XXXX XXXX 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 explanation