BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
Company: Experian Information Solutions 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-05-18
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My debt is to XXXX I gave notice to cancel service in XX/XX/2021. They continued to charge me. We all know one may not continue service, we would be disconnected after a month of non payment. The hardware was not working, which I gave them notice but they continually charged me. Apparently 2 months after I moved I was charged installation fees as well. I was pretty much homeless. I moved my address to a relatives so I could receive mail XX/XX/2021. Midland Credit has simply refused to acknowledge my calls. I will not give my social security number for the sake of security. They ( several employees ) refuse to work with me after I've given them the account XXXX XXXXXXXX. 
This is ridiculous, at best. I've tried to reason, as I think, possibly, the new tenants may have used my name to continue service. Now, my wages are being garnished for equipment that is out dated and didn't work and the account should have been closed months prior. 
I'm willing to agree to {$250.00} for the services I MAY have owed but no more. I'm being financially XXXX. Midland credit management is a disgrace. If they were a reputable company they would have sent the information I had asked for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-02
Company: ADP Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
I am a XXXX XXXX  and my pay for work is paid daily on a XXXX  card. Not only do they frequently create duplicate charges while a transaction is pending, they also deny transactions and then blame the merchant for holding the money. Most recently this happened to me at XXXX XXXX when I went to a self checkout lane and attempted to get {$40.00} cash back. It was declined. Later Monday night I called the automated line only to learn I had a charge on my account that shows it went through. Customer service informed me I would have to complete some dispute forms. They said it will take 45 to 90 days to resolve. That's great, a half days pay, I might get back after XXXX. I also contacted XXXX XXXX and they could offer no help. I've never had such a XXXX card as the wisely card. And they paid handsomely in the fees they charge to have such XXXX xs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Sent out multiple disputes with all the proper documentation XXXX XXXX XXXX and they still won't do and proper investigation. But still remain the fraudulent account and inquiries on my credit report. Now I'm demanding proof of their full investigation with all the supporting documents showing that all information is correct or else removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: NV
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 my second endeavor to tell you 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 alleged fraud or extortion. 
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  Balance : {$170.00} U S DEPT OF EDXXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$710.00} XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} US DEPARTMENT OF EDU XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on 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 2018-02-26
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Currently I have an adjustable rate mortgage on my condo with Mr. Cooper. I want to know who is the investor/owner of my mortgage. The reason is that I need permission to move my condo into my revocable trust. 
Starting in XXXX, I placed several calls to Mr. Cooper. Supervisors were evasive and didn't want to give me any information about the mortgage owner or whether I could move my condo into the revocable trust. My attorney at XXXX and XXXX told me I needed permission from the mortgage holder to do so. In mid XXXX, a supervisor told me to email " XXXX '' to get the info. I did so twice and didn't hear from Mr. Cooper. About XX/XX/XXXX, I spoke to XXXX XXXX XXXX who identified the owner of the mortgage by the code- XXXX. He understood what I wanted, and said he would see if it was possible for me to move my condo into the trust. He gave me his email address, " XXXX '' or XXXX. I wrote to XXXX twice, the last email was XX/XX/XXXX. I have not heard from him. When I last spoke to XXXX, he told me he saw that all my calls were noted as well as my email attempts. I need your help to get my info and move this along.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with XXXX and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Account Bal. {$4300.00} Account # 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 2023-07-27
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: Information belongs to someone else

Complaint:
Despite multiple written requests, these unauthorized inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2018-02-24
Company: NATIONSTAR MORTGAGE LLC
State: IN
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 spoke to all three credit bureaus via phone. I was told that Nationstar would be the ones that will need to make the appropriate changes made to update my FICO score. I did receive a response back from Nationstar-XXXX and they stated it is up to the credit bureaus to update my FICO score to reflect all payments that have been made towards my VA loan with Nationstar. 

I am asking for my FICO score to be updated to reflect all payments that have been made towards my VA loan. 

Thank you, XXXX 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 2023-07-27
Company: Experian Information Solutions Inc.
State: PA
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:
I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2021-10-02
Company: STERLING JEWELERS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To be foward to XXXX : This is reporting negatively on my account and needs to be addressed ASAP as these are not my account nor am I liable. I have a police report I have attached for proof. The following should be removed/ deleted from my credit file. 

( 1 ) Kay Jewelers ( Date Opened : XX/XX/2015 ) Balance : {$0.00} ( USD )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To be foward to XXXX : This is reporting negatively on my account and needs to be addressed ASAP as these are not my account nor am I liable. I have a police report I have attached for proof. The following should be removed/ deleted from my credit file. 

( 1 ) XXXX XXXX XXXX Helzberg ( Date opened : XX/XX/XXXX ) Balance : ( Closed - {$1700.00} Written Off ( USD ) ( 2 ) XXXX XXXX ( Date Opened : XX/XX/XXXX ) Balance : {$0.00} ( USD ) ( 3 ) XXXX XXXX XXXX / XXXX XXXX ( Date opened : XX/XX/XXXX ) Balance : {$0.00} ( USD ) ( 4 ) XXXX XXXX ( Date opened : XX/XX/XXXX ) Balance : {$1900.00} ( USD )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 writing to you to address a persistent issue that has been affecting my credit reportrecurring fraudulent accounts. Despite my previous attempts to dispute and rectify these accounts, they continue to appear on my credit report, causing significant harm to my financial well-being and credit worthiness. 
The following accounts are the ones I am disputing due to their fraudulent nature : XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2018-02-28
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to get my loan modified for many years and have been unsuccessful at doing so. 

No matter how little or how much I earned, my lender, Nationstar has not modified my loan. 

I tried so many years to get my loan modified while the real estate market was down, but each time, ( over 15 attempts ), my lender has denied me as late as XX/XX/2017. 

During all of the attempts with the exception of the past two ( 2 ) years, Nationstar has lost my paperwork, not returned calls, and just asked me repeatedly to send the information over and over again, but to " NO AVAIL ''! 

I know of other individuals who live in my condo building who had the same lender, whose financial situation was about the same as mine, and Nationstar modified their mortgage loan but has done nothing but given me grief! 

Please help me in getting my loan modified by Nationstar. 

I am a single parent, and this is our home, and we would like to keep our home because this is all that we have, and we have nowhere else to go! 

Please HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: EQUIFAX, 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:
I have several unauthorized inquires on my credit report which I Did receive any lines of credit nor am I familiar with the companies. I have listed the dates and companies of the inquires below : Company : XXXX Date:XX/XX/XXXX : Company:XXXX XXXX XXXX Date:XX/XX/XXXXCompany : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX   XXXX  Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/2019 Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/2019 Company : XXXX  XXXX Date : XXXX Company : XXXX XXXX Date:XX/XX/XXXXCompany : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXXThere are also different accounts on my credit report that I did not authorize. I have listed them below. 

Account # XXXX Amount : {$450.00} AccountXXXX Amount : {$430.00} Account : XXXX Amount : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: MA
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 a complaint against the timeshare company XXXX XXXX. I spoke with their employees, one named XXXX XXXX who introduced himself other than a salesperson and is not working on commission. They enticed me by starting with telling me that I am making a good financial investment. I was offered gifts such as using my points to their hotels. They took my ID during the whole process. I felt pressured when I was told that they needed " '' corporate approval '' '' in order to grant me the deal and that it was my last chance at the lowest price being offered. They lied telling me I will never have to pay maintenance fees again. Lied about earning money from the timeshare such as rental income. They also said I can earn from it by renting it out or reselling it as the resale value would go up. They told me about having some tax benefits similar to owning a second home. Promised things would be positively different each time things just got worse. Everything felt rushed as they did not give me enough time to read and understand the contract. I was not even made aware of their cancellation process like how many days to cancel and such. I asked them about the cancellation and I was told no cancellation. Having this timeshare has just been very problematic for me to the point that I even lose sleep, we experience financial difficulties etc. This has caused us lots of stress due to the problems and issues caused by this timeshare. I was defrauded, scammed & victimized by their predatory sales tactics. This is clearly unlawful deceptive sales and misrepresentation, omission of facts, withholding information, exaggerations of timeshare use of product anytime etc.

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 2023-05-19
Company: Experian Information Solutions Inc.
State: MA
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed 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 XXXX 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 2022-05-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Credit Reporting Act XXXXt Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A States I have 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 2022-12-07
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Attempting to utilize the service members civil relief act through my Apple Card, handled by Goldman Sachs. Applied and supplied them with the necessary documentation XXXX times with no resolve. Active duties started on XX/XX/XXXX. First attempt was made via mail on XX/XX/XXXX. Follow up on XX/XX/XXXX via phone and company said the case was closed due to not having the necessary documents. The specialist found the mailed in documents and reopened the case. I resubmitted the documentation on XX/XX/XXXX. Follow up on XX/XX/XXXX revealed that the case had once again been closed. Resubmitted documents on that date. Final follow up with documents submitted occurred on XX/XX/XXXX via email. Still no response from Goldman Sachs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: VA
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:
formal complaint that credit bureaus reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate in accordance with FCRA 15 USC 1681, section 602 ; 15 USC 1681, section 604A, section 2 and 15 USC, 1666 ( b )

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