BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
Company: EQUIFAX, 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:
These accounts do not belong to me, please block and remove per 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Bureau is reporting inaccurate information regaurding my personal information. Also there are accounts being reported that are not even mine. I have contacted the Bureaus about these matters and have had no success. This is becoming very frustrating as I am trying to apply for a home loan, but being deprived by false information.

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 2016-06-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I canceled my XXXX account, have not received any bills from XXXX, returned their equipment and a collection agency has filled a collection notice with the credit reporting agencies. I have contacted the agencies involved and XXXX. I have received no response from anyone. Here is the collection company - XXXX XXXX, WA 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 2020-03-23
Company: Experian Information Solutions Inc.
State: SC
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  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$70.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached the Explanation of Benefits for this account and it clearly shows the billed amount of {$70.00} with the cost share/copay amount of a {$0.00} balance. This account needs to report a {$0.00} balance due. This false reporting of a collection/charge-off is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

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 2022-03-29
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX. These accounts has been removed from my credit report : XXXX File # XXXX, Investigation Date XX/XX/2015, From the Company XXXX XXXX : Amounts {$480.00}, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I have already called the Company who send the accounts to collections, FL. Hospital. They said that once they send the accounts to collections they have nothing to do with the accounts anymore. I have disputed these same accounts 3 times from XXXX different companies and they were removed, now these same accounts is on my credit report again from a different company ( XXXX XXXX XXXX XXXX ). THIS HAS TO STOP. I ca n't move forward to improve my credit untill this matter is over with. PLEASE STOP THESE ACCOUNTS FROM CONTINUING TO COME ON MY CREDIT AGAIN. All of these accounts has been removed. THANK YOU 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 2023-07-24
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: American First Finance, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
First of all. Anytime I call this company every person that I speak with, tell me something different. I had loan of {$1000.00} from this company. I paid that off. Now I need my payoff letter to take of a mortgage and I'm close to my closing deadline, any time that I call nobody can't help me. This company doesn't care they take no action. I DON'T OWNED THEM ANY MONEY I NEED MY PAYOFF LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: ID Analytics, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I reference to. My previous CFPB against SageStream LLC. They hand not honored my request for a copy of my consumer reports Nor did they honor my request fur a security freeze. I mail in three request with documentation via certified mail. Any talk about online submission is not applicable to this situation. Therefore my last recourse will be to seek legal remedy. 
This will serve as notice of pending upcoming litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Common Wealth Mortgage Services
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My mortgage company of 11years has in the last two years failed to provide the credit reporting agencies with accurate information. In fact rather not send any info at all. I have confronted them about this. I have been given a bill of goods by their reps including someone who claims to be the vice president of the XXXX office. She has sent several emails claiming an attempt to resolve the issue when I have learned thru talking directly to XXXX and the other credit report agencies, she has lied. This has become a standard for them. Send out excuses, deflect and deny any responsibility. In the past two years, a merger, or take over of the original mortgage company has occurred. 
After several months of being lied to by these individuals, I contacted the State 's Attorney General 's Office in XXXX, they agreed to look into this matter solely based on the fact that several other customers have made the same complaint against my mortgage company. My patience has run out and I need someone to force the compliance and laws governing this lender. The States Attorney Generals office of New Mexico is continuing to investigate this but I fear in talking to them, it wont be enough.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: GA
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:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX  can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

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 2022-02-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a joint checking account with a friend a couple of years ago. It went negative XXXX dollars or so due to the other account holder. We lived at different addresses so I myself never received anything saying my account was overdrawn. I guess they charged it off. In XXXX citizens bank advertised to me a XXXX $ bonus offer for opening accounts. I opened them and in XXXX they took out over XXXX XXXX dollars out of my account. Now on XX/XX/22 they took out XXXX dollars out of my account. They never issued me a single notice. I never knew i had a chargeoff otherwise I wouldve paid it, or disputed it because it was not my purchases that caused the charge off in the first place or at least set up a payment plan so I can feed my family. I have rent insurance and a student loan all due this week. Gas groceries my daughters gymnastics classes. If I had known about this I would gladly set up a payment plan. We are in a pandemic. My wife lost her job. I am feeding my whole family including my parents and they took my paycheck. 

Very decieving tactics- they inticed me with a XXXX $ offer to open accounts. Made me set up direct deposits with my work into their bank. And took all of my money without notice of taking it or without notice that I had a charge off at all. 

They took my cash on the XXXX of the month. My bills are due. My family is hungry. There is an ongoing pandemic. My wife lost her job. Our family is being affected and all citizens cares about is taking my money without notice to pay a debt that belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
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 received a call from a student loan company asking about delinquent payment. I have never applied for a student loan. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$1200.00} XXXX XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$810.00} XXXX  XXXX  XXXX {$82.00} XXXX XXXX {$220.00} XXXX   XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX   XXXX {$480.00} XXXX/XXXX  XXXX {$680.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$140.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received a call from a student loan company asking about delinquent payment. I have never applied for a student loan. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$1200.00} XXXX  XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$810.00} XXXX  XXXX XXXX {$82.00} XXXX  XXXX {$220.00} XXXX   XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX   XXXX {$480.00} XXXX/XXXX  XXXX {$680.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$660.00} XXXX  XXXX XXXX {$140.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2016-03-21
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I bank with XXXX Bank, XXXX. They started giving you a totally free XXXX score 'from Experian '. In the past 4 years alone, I 've never had a XXXX score below XXXX to the best of my knowledge. I had a great XXXX just in XXXX of last year. Now for the past two months, my score is taking nosedives. I went to Experian, completed their form to get my credit report. There is nothing on that report that would indicate a reason for the score to drop so radically. So I contacted XXXX. They referred me to Experian telling me the score comes directly from them. A 20 minute conversation with Experian led me nowhere. The representative said I need to pay them to get my credit SCORE, THEN perhaps she MIGHT be able to assist me further. I asked how it is that XXXX gets that score every single month, but they do n't seem to have a record of that score at the very company giving it to XXXX. she then said XXXX must be using some other method to calculate the score. I called XXXX and inquired about that ; they told me the score comes directly from Experian. so no the XXXX companies are pointing fingers at each other while my credit score keeps going down. There has been NO changes to my financial situation except that I earn a little more and I owe a little less. No late payments, no revolving credit debt, just an auto loan that I pay promptly every single month without fail. Again ... nothing changed in the past the past several months, yet just in the past two months, I had a score of XXXX in XXXX and now its down to XXXX with NO REASON GIVEN despite my best efforts to resolve the situation. I find it deplorable that this company can just make these changes to my credit-worthiness without having to answer why. I am in excellent financial health and am extremely responsible with credit. There is no reason my score should be dropping if my situation is not changing, and there is NO reason on this Earth why they should not have to account for themselves to the people they are damaging with these practices!

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 2015-12-30
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is a direct dispute with Experian. I had a 30 day late listed on a XXXX XXXX account. The account number XXXX, date open XX/XX/2011. they have me listed as a 30 day late in XX/XX/2011. This is untrue and I have disputed this multiple times. I was infact not late and I need the account updated correctly. The account was paid as agreed, I paid XX/XX/XXXX payment, The motorcycle was stolen. the next payment date was XXXX. The check from the insurance company was sent to XXXX XXXX XXXX on XX/XX/XXXX. Therefore according to the Credit Reporting resource guide I can not be marked a 30 day late. The industry Standards set forth by the CRA states " the " clock '' for a 30-day delinquent account starts 30 days after the due date as opposed to the billing due date. How long it took XXXX XXXX to process the check when it arrived on XX/XX/XXXX is n't my, the consumers responsibility. They did in fact received the check within the 30 day window set forth by these standards and that payment should have been applied to my account on that date. All Experian has done is sent it to XXXX XXXX and they verify it. They have not done their due diligence in correcting it. I am asking this be corrected and report as a positive reporting account. I was not 30 days late and it was paid by my Insurance company within the allotted time frame. I have attached a letter from my insurance company for proof of when the payment was mail and it was not past the 30 day window of XX/XX/XXXX. I 'm not going to keep going back and forth with Experian, XXXX, and XXXX. I have done that multiple times. I want it corrected ASAP! I also want the comments deleted that says paid account/was 30 days past due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Hello, Experian continues to provide a report from a firm called " XXXX '' out of XXXX, CA reference an unknown billing that has been disputed and the company has failed to provide any proof of debt to me. The information is not accurate and is not owed. Experian should remove the inaccurate information.

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 2020-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I contacted capital one today to advise them my job can no longer pay me due to our agency being shut down temporarily because of coranavirus. I advised them I would be applying for NJ unemployment insurance, but am unsure when I would receive my first payment. I spoke with XXXX and told her that I am unsure when I would be able to pay and how much. She said there are no options to reduce, lower, or provide any help for my two accounts with them. I explained to XXXX that I noticed their website said there would be assistance for each customer, but they have refused to provide assistance for my accounts, and I am unsure of what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently check my credit report and found that there were several items that were not related to me. This is very unfortunate because the incorrect information has caused me to not qualify for any additional credit. It has also hindered me from my goals of achieving a home. Please remove all unverified inquiries from 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 2017-02-16
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Pentagon federal credit union applied fees to an account which was never used. Then closed the account for non payment. I even paid the fees. Now my credit report is showing derogatory remarks. Please fix

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