BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX is reporting the account type wrong. 

They are reporting the account type as a collection when it is supposed to be medical debt Collection is a condition or a status, not account type I verified this by looking at XXXX own glossary! 

They are breaking the law again!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, Transunion, and XXXX continue to report fraudulent information on my report and deny me my rights as a consumer. 

See attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was contacted by XXXX XXXX team from XXXX to refinance my home on or about XX/XX/XXXX. XXXX was my original loan officer, so I felt comfortable giving his team members my personal information. I even provided background information for them to best help my current financial situation. They told me I could go into a conventional loan from FHA, I said I dont think this was true due to my credit card debt & XXXX credit score instead of XXXX +. They told me no worries, we can get it done. I give them my information, they start to proceed the process, they then proceed to tell me to skip my XXXX & XXXX Mortgage payments because they would be paying off the loan in time. I did, however, by XX/XX/XXXX, I had not heard from them for about 10 days. I was starting to get concerned. I reached out via email & contacted XXXX, & his team via their direct lines. I did not recieve contact back until the following monday. They then told me that I had to do an FHA streamline, like I said / wanted in first place. And told me I should pay my XXXX payment to avoid fees, I scheduled it soon after ( XX/XX/XXXX ) but my payment didnt transfer until XX/XX/XXXX. This caused me to recieve a late fee from my current lender & lose out on the 2.5 % I was offered by them & XXXX XXXX ( Current lender ) earlier in the month. I am now being offered 2.875 % Refinance. This will cause my monthly payment to increase & my overall cost of my mortgage to increase as well. I was also asked to give my passwords, & usernames by members of his team because They wanted to get paperwork into underwriting. I believe XXXX & XXXX  team acted in an unfair manner & treated me this way because im young, XXXX years old, & believe I lack the knowledge of an older, more experienced person. I believe they need more training & that they should never treat anyone of any age, race or gender with more respect & urgency like they would of someone with a larger loan or more financial means.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I did a balance transfer from a credit card of mine that had a lower interest rate, to pay off a balance on another card that had a much higher interest rate. The payment address, account number, and my name was used to send a check for the entire balance of {$8200.00} to pay off my high interest credit card. My payment due date was XX/XX/XXXX and the check was received on the XXXX, but stayed in a pending process and did not post to my account by the due date. I made the required payment on the XXXX so I would not have a late fee. I called them the evening of the XXXX around XXXX and spoke with XXXX. She put me on hold to look into the pending payment. She came back and asked me if the check was mailed in the envelope they provide with the statement and I said no. I also asked how is that relevant? The check clearly made it to the correct address and was pending in the correct account. I was told that it was on a 5 day business hold because it was a non confirming payment. I questioned that term. I also asked where it mentions they can hold a check for 5 business days. It is nowhere on my statement. I also read to her from my statement that a payment can be mailed to the address on the front of this statement with the payment coupon or your account information. This was done and it does not mention anything about a specific envelope. I was told the check would post by midnight on the XXXX and it would be dated effective the XXXX. I said it was a full payment to pay off my balance by the due date and I should not see any interest. I was assured I would it process for the XXXX. I was never notified of a hold. This is something that is required with bank deposits but not credit card payments? I was forced to make a payment on my own in order to keep my account current because of a held check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my multiple endeavor to tell Transunion that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Pursuant to Section 605B of Fair Credit Reporting Act these unknown account must be deleted : 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 explanation
Consumer complaint received 2023-10-24
Company: OneMain Finance Corporation
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Unauthorized Hard inquiries have been showing up on my bureau reports without my written authorization. One Main Financial, XXXX XXXX, XXXX XXXX are all companies that I did not authorize to pull a hard inquiry from the credit bureaus. The pre-qualifications were said to be 'soft inquiries '. There were no actual applications authorized and promises of no reporting were made verbally over the phone for One Main Financial. I do not have recollection of who the other two companies are that are reporting : XXXX XXXX  and XXXX XXXX are reporting on XXXX during/after the FTC reported XXXX breach .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: ENOVA INTERNATIONAL, INC.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
This company continues to pull my credit and sell my information to other companies as an applicant for payday loans. I've called them countless times to try to remedy, they give me the run around, make me jump through hoops or never return my calls or emails. This started in XXXX of XXXX and still continues. 
I've called XXXX and was told to send in paperwork which I sent several times. When I call a few days later to confirm the documents are received, the representatives will tell me more documents are needed to remove the inquiry from my report. On XX/XX/XXXX I called because a rep told me on XX/XX/XXXX a XXXX would call me back and never did. XXXX put me on hold for XXXX minutes and then hung up. I called back and a man who would not give me his name claimed he was messaging with a XXXX and hung up. A woman named XXXX called me back and said they did receive a police report but now a signed form was needed. THEN she said the police report was no good because they did not put my full bank account number on it. Which she already knew they would not. She keeps giving excuses for why they won't remove the inquiry. She then brought up more documents needed after I've sent them several times. She promised me a call back and never did. On XX/XX/XXXX XXXX said she would have a XXXX call me back then hung up on me. Called back and talked to XXXX, he said they they have notes a XXXX will call on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX but he saw no notes that a XXXX ever did. Which means all the months before that, they never told a manger to call back. He said the theft department will not speak directly with clients. I asked him how I am supposed to remedy this. He had no idea. I finally received a call from XXXX in the XXXX XXXX. She said they have everything they need to move forward. She said they will complete an investigation by XX/XX/XXXX and I will receive an Email with their conclusion. She advised they will cease giving out my information as a party interested in getting a loan too. None of this has stopped. I continue to get calls constantly from numerous companies advising they receive information from NetCredit that I want a payday loan. I was promised in XXXX this would be removed from my credit report and it's still on there. They are still calling me daily and several times a day about predatory loans. I need my phone for work and the calls are very disruptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this CFPB complaint to you today to follow up the previous CFPB Complaint I submitted on XX/XX/XXXX. I previously requested that the Credit Bureaus remove the disputed accounts that are reporting on my Credit File as soon as possible. Once again, I was a victim of identity theft and the Accounts I am disputing were the results of such crime. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information from my Credit File. Also, the Credit Bureaus have not yet sent me copies of documents I seek such as the Proof of verification or proof of ownership or any documents bearing my signature. If the Credit Bureaus are not able to remove the disputed accounts on my next Credit Report update without sending me copies of documents I seek, please understand I will initiate legal countermeasures. Once again, please remove the following accounts completely from my Credit File : 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 XXXX 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 2017-12-14
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have disputed XXXX on my report several times. The account are old, closed, and have been transferred to another lender. They are reporting the old late payments on the account as well as reporting current and {$0.00} owed. I have requested and disputed the be removed as the new servicer shows the exact same information and the refuse to remove it. It is causing undue hardship as I am trying to build my credit and eventually purchase my first home. I feel it is unfair for two companies to be reporting the same account one as closed the other as an open account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: GOLDMAN SACHS BANK USA
State: FL
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:
In working with Goldman Sachs who manage my Apple Credit Card, on the date of XX/XX/XXXX I submitted a credit card dispute for the amount of {$950.00} for a charge I was disputing for a hotel reservation at XXXX XXXX  XXXX XXXX XXXX in XXXX, FL. I have been now filed XXXX disputes for the same credit card charge with Goldman Sachs that has XXXX through today 's date and I continue to get no where in a resolution that is fair and just.As of today I also filed a XXXX dispute for the hotel company XXXX XXXX as well.This was for initial reservation I booked back approx. XX/XX/XXXX and within 4 hrs later cancelled the hotel reservation and at the time I was assured would not be billed as long as the reservation was cancelled within 24 hrs. I twice called the XXXX XXXX location, once the corporate office number then the actual location and each time was assured the reservation was cancelled although they refused to provide any documentation confirming cancellation. Because of my concerns with this, I filed a CC dispute and Goldman and Sachs refuses to take the additional steps to do a complete review even though I provided documentation clearly reflecting that because I cancelled my initial reservation with XXXX XXXX, I proceeded forward to book another reservation for the same dates ( XXXX XXXX ) through XXXX for the XXXX XXXX XXXX XXXX Goldman Sachs is saying that the hotel mentioned that I would of needed to call the day of my check in hotel to be refunded which makes no sense since the initial cancellation process required to be cancelled within 24 hrs which means if I booked the hotel on XX/XX/XXXX and called the hotel to cancel on XX/XX/XXXX, that would of been outside of the required 24 hr policy to cancel the reservation and be fully refunded. Please help as I feel like I have no where else to turn to and I am adamant I did the right thing and followed all processes to cancel this reservation initially with XXXX Day that no one seems to have record of now. The 3 dispute numbers filed with Goldman & Sachs are : XXXX ( initially filed on XX/XX/XXXX ), XXXX, XXXX ( filed today for 3rd time XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
" n accordance win the Fair Credit Reporting act. The List or accounts below nas violated my rederally protected consumer rignts 10 privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer

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 2022-08-12
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
AMSHERCOLLECTION Services has violated my consumer rights. I was not informed of this alleged debt nor has it been validated. I am demanding this account be removed from my consumer report and proper documentation of the alleged debt ( per 15 U.S. Code 1692g ) be sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, 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 status incorrect

Complaint:
Account XXXX showing XXXX, XXXX of XXXX  incorrect payment status Account XXXX showing XXXX of XXXX  incorrect payment status -Also failed to report XX/XX/2020 payment status on my consumer report. 
-These account has never been late or had ever been late with another XXXX XXXX in the past. 
-They also failed to notify me at least 21 days prior my due date.

Under U.S Code 1666b, they must do so in written to notify, but had never did so.

Also under 15 USC 1681i ( 2 ) ( A ) ( i ) My transactions and experiences ( such as late payments ) between myself and the lender are excluded and can not be used to construct a consumer report. 

" The CARES Act, which was signed into law on XX/XX/, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Debt Collectors International, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The complaint involves the following company - Debt Collectors International , Inc. 'DCI ' XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Florida XXXX | DebtCollectorsInternational.com Owner of company : XXXX XXXX XXXX 

On XX/XX/2023, I provided DCI with several files to collect on my behalf. Initially, I was pleased with their services and even referred them to my colleagues and furnished DCI with extra business. During our phone conversation, DCI confirmed that for XXXX of the files they can do domestication of judgment. I made it clear that I with only pay upfront the actually court filing fees not for any hourly lawyer fees. After convincing me that the actual court filing fees were upwards of {$1800.00}, they agreed to accept {$1000.00} from me via credit card and cover the remaining filing fee costs themselves from their fund. However, I have since learned that court filing fees and searches do not even come close to XXXX. In fact, they repeatedly lied about court costs of upwards of XXXX on numerous potential files. 

On XX/XX/XXXX, after asking for multiple updates and getting frustrated that nothing anticipated and promised on the phone has been happening, XXXX XXXX XXXX XXXX XXXX DCI, wrote, " If this is an issue I will simply have the attorney send you back unused costs and you can pursue this through alternative means. '' I called the attorney in NV working the case for an update, and they said they haven't filed anything yet. Perhaps something will be filed in XXXX more weeks. After hearing that nothing has been filed after they had multiple weeks of time to file. That drag was unacceptable and I confirmed that with other local attorneys who confirmed that not filing anything in that timeframe they had weeks to file is unacceptable. 

I emailed XXXX, I need to pursue this with alternative means ( as he suggested in his email the previous day ), and the attorney will refund all costs since I was misled on the phone that this process will take much quicker. The following day, XXXX sends multiple threatening emails, " I will ensure that this claim is tied up in cross litigation between our company and yourself for the next XXXX years. " we are now filing a lien against the judgment. We will not release this lien unless the invoice due for the full anticipated contingency fee is paid, that invoice is attached. You have 10 days to remit payment or we will be filing a lawsuit against you '' This has caused much emotional distress!!!! This is absolutely despicable how DCI is backstabbing their own clients who gave them business. I urge the CFPB to intercede and make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: WI
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation