BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$350.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: FL
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

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 2017-04-24
Company: On-Site Manager, 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:
Hello, I applied for an apartment with   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX . I spoke with the leasing manager  XXXX  and I advised her of my situation. I let her know that I filed Chapter  XXXX  Bankruptcy and it was discharged  X/XX/16   , over a year. All of my credit since the BK is all in good standing.  XXXX  advised that she has had multiple renters,  XXXX  or  XXXX , with the same issue and they were able to get approved.   So I applied, with the special- {$150.00} holding deposit and  XXXX  month free. After they ran my credit,  XXXX   XXXX  reporting agency asked for documentation from the civil court showing my judgments were satisfied. I supplied on site the Superior court documents and documentation from the civil court. They still denied me. I was told that I should n't even apply to these apartments because they wont accept me. Then I was hung up on by On Site. I had my father as a co signor and The Landing and On Site still denied us and never told us a reason why. I I feel discriminated against. I know have added my mother and father as a guarantor and I am waiting for a call back from The Landing. I am thinking they are going to deny us all again, even though with my parents as co signors I am overly qualified.     I am filing a complaint because my credit report should have been updated with the correct information with On Site. I am upset at how on site and the Landing have treated me as a customer. I was discouraged from applying, yet others were accepted with  XXXX  evictions ..     On Site has reported information that has denied my application when all judgments and liens have been satisfied. Please help. I know I have rights and that I am protected from being profiled, racially and I am being denied due to my BK that has been discharged and satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I send a wire transfer to XXXX XXXX XXXX on XXXX XXXX for amount of US {$100000.00}. but XXXX hours latter on the same day I canceled/recall the wire transfer after one week I ask the bank ( Chase Bank XXXX XXXX my recall they give me the case number about the recall, Case Number : XXXX XXXX almost every one or two weeks I ask my bank about the recall, until today XXXX I still don't get my money back to my account. 
Please advice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: FL
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 called the 3 credit bureaus after receiving a copy of my report. I saw many UNVERIFIABLE items on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on 09/05/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Here is the list of incorrect accounts found on my credit file XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2022-03-30
Company: EQUIFAX, INC.
State: FL
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, EQUIFAX AND XXXX HAS ACCOUNTS ON MY CREDIT REPORT THATS NOT MINE. THEY REFUSE TO DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I previously disputed the XXXX item off of my XXXX & EQUIFAX report on XX/XX/XXXX for XXXX and received the response below : I checked my credit again and it was put back on under XXXX for XXXX in the amount of {$530.00}. 
XX/XX/XXXX Completed XXXX Reported on XX/XX/XXXX {$530.00} Item Results Result : No Longer On File - XXXX has found that the disputed item is no longer on file. 
Dispute Reason Ownership : The creditor agreed to remove my liability on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan had gone in default. Select Portfolio Servicing, inc sent a letter to my home owners insurance company stating that my home is in default and foreclosure actions is being initiated. My home never went into foreclosure because I made payment in full. SPS never gave me a receipt or a complete brake down of were my money went. What did how much was mortgage payments, late fees, and all other charges. 

My insurance company request proof the my mortgage was not in default on XX/XX/2021 to prevent my home insurance from being canceled. SPS refused to give me proof when I requested. My insurance agent ( XXXX XXXX XXXX ) also called SPS to request the information and was also dined onXX/XX/XXXX. SPS attorney never sent me the info as well. If SPS would have given me a letter or to my insurance my policy would have not been canceled. They didn't send me the info for the insurance until after I filed the XXXX complaint. 

Now they are charging me {$510.00} for their policy fromXX/XX/XXXX to XX/XX/XXXX. My policy was canceled because they reuse to cooperate so they can make money. I lost my policy and now XXXX XXXX XXXX will not reinstate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: FL
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 called the 3 credit bureaus after receiving a copy of my report. I saw many UNVERIFIABLE items on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on 09/05/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Here is the list of incorrect accounts found on my credit file : XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Nationwide Recovery Systems, Ltd
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: Account information incorrect

Complaint:
I spoke with a Representative, calling me from this number. ( XXXX ) XXXX He called me regarding an account with Nationwide Recovery Systems regarding a hospital bill for {$2000.00}.

I advised the Rep that I previously paid {$700.00} toward this account & the balance was incorrect. I also advised that I was highly affected by Covid and currently XXXX. 

The Rep verified the posted payment I previously made on the account & stated he could settle the account for {$700.00}. 
I told the Rep I was willing to pay that amount after I find a place to live in a couple weeks & would contact him back when Im ready. He called me everyday harassing me & I previously advised him that I was XXXX. 
I received my credit report showing this account was reported & with the incorrect balance. 
XXXX XXXX XXXX are heartless & have no regard for consumers who have been highly impacted by Covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Over the years, Transunion has been a thorn in my side. From incorrect reporting to their refusal to remove addresses and personal information, I am a consumer at wits end with this company. 

According to the FCRA, items that were discharged in bankruptcy are supposed to be updated to a " paid, closed '' status. 

Transunion has ALL of my accounts included in bankruptcy listed as derogatory, which makes it seem like I have issues that I really do not. They are also listing accounts past the regulated 7-year period ; in fact, they have advanced the age of several accounts. 

These accounts must be removed due to age : XXXX XXXX   XXXX - XX/XX/XXXX is the correct date { XXXX XXXX XXXX - XX/XX/XXXX is the correct date { XXXX XXXX - XX/XX/XXXX is the correct date { XXXX XXXX - XX/XX/XXXX is the correct date { XXXX  XXXX - XX/XX/XXXX is the correct date Furthermore, during a phone call on XX/XX/XXXX with a representative, the following inquiries were to be removed as they do not meet the standard of permissible purpose. The companies I mailed did not respond to me. 

XXXX - XX/XX/XXXX, XXXX/XXXX - XX/XX/XXXX, XXXX   - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX/XXXX   - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX   - XX/XX/XXXX, XXXX/XXXX - XX/XX/XXXX, XXXX/XXXX  - XX/XX/XXXX Finally, these addresses are not associated with me : XXXX XXXX XXXX XXXX XXXX IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX FCRA 617 outlines the remedies available to consumers should Transunion stall, fail to comply or blatantly ignore my requests. 

Remember, you are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. Because the digital era has opened up CRAs to fraud and data breaches, I do not trust E-Oscar and therefore want physical verification ( signed contracts, proof of applications ) that inquiries and current accounts are being displayed as they should. 

This complaint is an addendum to the complaint submitted to Transunion via USPS Certified Mail, which was received on XX/XX/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 2017-04-24
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: Account status incorrect

Complaint:
My   XXXX   student loans acct under  XXXX   XXXX , account #  XXXX , is falsely reporting my loans as past due 120 days PLUS when my loans have been in Voluntary Forbearance from the beginning and have been re-certified Voluntary Forbearance to current date. BOTH my credit reports & credit scores have suffered due to this falsely reported data.      XXXX  refuses to correct the incorrect data supplied to all  XXXX  credit bureaus & the mistake has caused me financial damage/harm because I have been denied loans & have been given loans at higher rates than they should because of this reporting which is the ONLY NEGATIVE ENTRY ON MY CREDIT REPORT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Credit Bureau Financial Services, 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:
Hi, my name is XXXX XXXX. I am writing you guys because I seen some information of my credit report that is inaccurate, which is affecting my credit score. I sent in dispute letters to XXXX, XXXX & XXXX  about multipe inquiries that I have found on my credit report that I never authorized, which I believe was identity fraud & I have asked that if they are not able to verify and show proof that they must delete these items off my record as it affects my credit history. I have sent my letters Certified Mailed with USPS since XXXX XXXXst, 2021 to insure that I am able to track them and insure that the credit bureaus received them ( which they did ) & I will be providing proof of receipt with photo uploads. I would really appreciate it if you guys can reach out to them because I still have not seen any results as it has been more than 45 days. 

Best, XXXX XXXX XXXX XXXX XXXX , XXXX Tx XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-04-24
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: Account status incorrect

Complaint:
My XXXX student loans acct under XXXX XXXX, account # XXXX, is falsely reporting my loans as past due 120 days PLUS when my loans have been in Voluntary Forbearance from the beginning and have been re-certified Voluntary Forbearance to current date. BOTH  my credit reports & credit scores have suffered due to this falsely reported data. <P/>XXXX refuses to correct the incorrect data supplied to all three credit bureaus & the mistake has caused me financial damage/harm because I have been denied loans & have been given loans at higher rates than they should because of this reporting which is the ONLY NEGATIVE ENTRY ON MY CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has violated multiple FDCPA violations. I have sent this company the list of violations they committed, a affidavit of truth along with a invoice to be paid by this company by check and sent to my address. According to 15 USC 1692k ( A ) it states " Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. 
This company is causing me distress and I demand this company to pay the attached invoice and stop reporting inaccurate and unverifiable information to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Upgrade, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I been calling Upgrade since XXXX trying to resolve an issue with receiving an email to show proof to the merchant that they still have {$810.00} pending on my card so that they can get the amount released. I called held for XXXX hours and someone disconnected the call so I sent XXXX emails asking for assistance. A couple of the emails stated to call customer service. I explained the long hold and disconnect. They responded back with that is the only way to get the issue resolved. I called back and was told that I would receive an email in XXXX business days. I did not receive the email and called back XXXX weeks later. I was told the same thing again XXXX business days to receive the email. I called back today and got XXXX was rude and was not listening. She continued you ask me to reverify my account instead of assisting me. I am angry and would like to be assisted without the frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: FL
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:
My problem is with Experian Credit bureau. I have XXXX accounts they are reporting late payments on months after the payment has been reported on time. I have sent them several dispute letters along with my bank statements that prove my payments were indeed made on time. They simply open the dispute and then the next day send me an email stating the dispute is closed and the late payments are verified. In my letters I asked them to please send me the proof they are legally required to have, showing what they did to investigate and also the proof I was late. They have not. These inaccurate late payments are severely impacting my credit score.

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 2022-04-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I wrote XXXX asking them to delete 2 collections from my report that are reporting inaccuracies, a XXXX account and XXXX XXXX account number XXXX aswell XXXX account number XXXX Ive stated certain laws to them that they are disregarding I even spoke with the manager at experian in the head of the fraud department and she told me she was not aware of law 15 usc maximum possible accuracies, no collection can have a late payment, the collections are still reporting late payments when they was agreed upon and paid off, these are terrible inaccuracies that are hurting me as a consumer and holding me back in life, Experian is bullying me into a corner and they should be punished Im a us veteran who had served for my country I dont deserve this Ive wrote them since XX/XX/2022 its now the end of XX/XX/2022 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