BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-26
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on a forbearance plan with Shellpoint mortgage and we agreed to restart payments in XXXX and instead I received bill saying I was past due and owed for the month of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 called your department after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were REPOSSESSION and CHARGE OFF accounts on my credit report. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud accounts on my credit report all this time, well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX and XXXX ). I have never with these accounts listed below, so please help me remove these charge offs and repossession, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and My SS Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and XXXX XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Utility Bill, drivers License, and My SS Number as verification of my ONLY address.

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 2017-09-08
Company: EQUIFAX, INC.
State: TX
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:
According to trustedidpremier.com, my information was included in the Equifax leak. Their irresponsible handling of consumer information is a travesty that will have a huge impact on countless families. 

Their offer of simply 12 months of credit monitoring service is merely a Band-Aid on this terrible problem they caused through their lax security.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
As of late, I have been in process of correcting incorrect/inaccurate information on my credit file. After careful review of the credit reports from the bureaus I can confirm that there is still incorrect information on my report. The following accounts are reporting inaccurate information on my credit report : 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 ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXXXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] XXXX XXXX XXXX XXXX [ XXXX XXXXXXXX XXXX ] As correspondence, I will mail this report along with identity and address information for the credit bureaus to see. I simply ask to remove all these accounts from my report. There are too many inaccurate payment histories, payments, and amounts on these accounts that isnt supposed to be there. Ive also considered that incorrect and false information on my credit file is a violation of my personal and privacy 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 2020-02-12
Company: Bread Financial Holdings, 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 was shocked when I reviewed my credit report and found late payment on the dates below : CB/VICSCRT XX/XX/XXXX XX/XX/XXXX XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXXXXXX XXXX, Date reported is XX/XX/2022. Total amount is {$130.00} In accordance with the Fair credit reporting act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states that 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 2022-07-13
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:
In accordance with the Fair Credit Reporting act, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, XXXX  XXXX XXXX they don't show the dates on 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 non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: UT
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:
Equifax mishandled my information via a publicly announced hack of over 140 million records, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NH
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:
This is a complaint as per the Equifax data breach occurring from XX/XX/XXXX to XX/XX/XXXX, affecting more than 100 million Americans. I am one of those > 100 million Americans impacted, as per the results from checking [ https : //www.equifaxsecurity2017.comXXXX ]. 

I must now assume all of my incredibly sensitive private information is now available publicly, which fundamentally undermines any sense of trust or safety in the whole of the financial ecosystem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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: Public record information inaccurate

Complaint:
On XX/XX/2020 Clerk of the Court XXXX XXXX Filed a notice of withdrawal of Bankruptcy, I contacted the 3 major credit reporting bureaus so they could do there Research and remove this XXXX XXXX XXXX from my credit file XXXX XXXX XXXX 
Ive spent countless dollars and so much of time trying to dispute this unlawful Public record on my Personal Credit file it remains. according to FCRA EXPERIAN and XXXX have 30 calendar days to investigate errors and unlawful reporting.

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 2022-07-13
Company: EQUIFAX, 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:
I submitted a letter to the Equifax credit Bureau XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 
XXXX  XXXX XXXX Balance : {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have contacted Equifax 3 times about a collection on my report under : XXXX XXXX, XXXX. 
ORIGINAL BALANCE {$140.00} CURRENT BALANCE {$140.00} STATUS ( AS OF XX/XX/XXXX ) UNPAID FIRST DELINQUENCY XX/XX/XXXX LAST PAYMENT Not Reported AGENCY NAME XXXX XXXX, XXXX. 
AGENCY NUMBER XXXX ORIGINAL CREDITOR XXXX and waited over 60 days for them to respond and they have not. This is the second complaint I have submitted and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2017-09-08
Company: EQUIFAX, INC.
State: WA
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:
Equifax leaked all my sensitive personal information ( SSN,  name, address, etc ) to the entire world by having XXXX security practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not lived at XXXX XXXX XXXX since XX/XX/XXXX and Hunter Warfield put on my credit that the debt was opened in XX/XX/XXXX for an eviction. I haven't received any documentation and I am not sure who lived there in XX/XX/XXXX but I can prove I haven't live there since XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I faxed over the documents about this account the car is still reporting on my credit. I since then had XXXX XXXX XXXX. I cant keep going through this I want this car off my credit.I never had a XXXX. I have serious health problems. I am getting the run around. I really need this removed and its hurting me severally. Everytime I think about this my XXXX hurts. Please. They ignore me I can barely breathe less to deal with this. please help

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 2022-02-11
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Issue XXXX. XXXX XXXX mortgage reported XX/XX/XXXX payment as late. Covid 19 Forebearace plan on this mortgage started XX/XX/XXXX and lasted for XXXX months, so XX/XX/XXXX was during the forbearance period and should NOT be reported as a late payment. 

Issue XXXX. I paid the requested mortgage sum amount as personally directed by XXXX XXXX upon completing XXXX months of forbearance and it sat in the XXXX XXXX  account, labeled by XXXX XXXX as " unassigned funds '', which prompted late fees charged to me and an additional error on my credit report for late payment. 

XXXX XXXX has since reviewed my payment history and removed all " late fees '', but they have not updated my credit report and my co-borrower 's / XXXX XXXX credit report. When I called XXXX XXXX on XX/XX/XXXX about these XXXX credit report mistakes, they told me to write to the credit report agencies. 

Please accept this as my written request for an investigation and correction of the XXXX error reports on our mortgage account credit history. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Nelnet, 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:
Unfortunately my identity was stolen I need help one bureau, XXXX  has saw fit to delete the derogatory information from nelnet. But XXXX & XXXX  are giving me a hard time I'm a XXXX single mother of XXXX, I dont even have a XXXX. Below is the information & proof of who stole my identity & almost got me pur in jail, XXXX XXXX was my Care taker. Until she broke into my house & stolen my rent money, & now I'm almost homeless. Please help my family!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Equifax was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Equifax seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Equifax investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Equifax to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX, XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Equifax did not properly protect their databases and as a result my personal information was compromised. The breach was discovered in XXXX XXXX and Equifax did not notify the public until XXXX XXXX. 150+ million adults were impacted which is almost 70 % of the adult population. The credit check industry is a scam and a conflict of interests for consumers. You can not have a company offer services to protect your credit as well as be the gatekeeper to your credit information. There is no incentive to protect your credit when they make money off selling protection services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED FTC RPORT # XXXX and documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of account which do not belong to me or were opened without my permission. 

CAPITAL ONE XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation