BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am asking can XXXX 's remove adverse information off my three consumer credit reports ( XXXX, XXXX, and Equifax ) concerning a one time 30 day late payment in XX/XX/2021. I missed this payment because of then COVID-19 cutbacks on time and staff at my place of employment and its has been having a adverse effect on my three consumer credit reports ever since. This one time missed payment is lowering my credit score substantially. In an effort of goodwill I am asking can this adverse information be removed from my three consumer credit reports by XXXX 's. This is the only missed payment on my credit report and my XXXX account is closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: ENCORE CAPITAL GROUP INC.
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2023 my joint savings with my husband was garnished for {$1900.00} and funds were removed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX on behalf of Midland Credit Managment , Inc. 

I was not notified and served of this garnishment until XX/XX/2023 by sheriff delivery. On the notice of the non-earnings garnishee summons it is documented that I would have 30-days to dispute from date of receipt, which I received today. Funds were removed from my account 8-days prior to this notice. 
The amount removed was not money available and I would have made arrangements with the company prior to garnishment had I been notified ahead of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX # XXXX Flagstar Bank, Motgage servicing, XXXX XXXX XXXX  XXXX , XXXX, MI, XXXX Customer Service # XXXX Unjustified Late fees, refusal to reverse. 
On XX/XX/year> I sent out the payment for this loan. On XX/XX/year>, a full 10 days later, it was processed by Flagstar Bank. The other mortgage payment that I sent out was processed on the XXXX of XXXX with a different loan Co. When i called to inquire as to why my my payment was not processed, the Customer service Rep understood and asked for permission to remove the late fee. What happened next i can not explain. The supervisor at the the call center who gave her name as " XXXX '' refused to refund my late fee, stating that it does not matter when i sent my payment out, it only matters when they process it, and they were going to process my payment on the XXXX, a full 11 days after it was sent in. This is unacceptable. My payment was clearly not late. my P/N is XXXX the Supervisor was Rude, Talked ove me the entire time i was talking, and had no understanding that the payment was not late. Please feel free to contact me at my Cell number for any clarifactions

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 2023-03-22
Company: Prosper Marketplace, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Payment is overdue by 1 month, have been receiving calls excessively every day starting at XXXX and throughout. Have received over 4 calls within the first hour and over 10 calls a day. When answered the system does not respond

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 2023-03-22
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I applied for the Discover credit card. On XX/XX/XXXX, Discover sent me a letter stating they were unable to approve my request due to an extended fraud alert on my consumer report. I called them to verify my identity and they told me I would need to take care of the fraud alert and then call back. I took care of it and called back. I was told by a customer service rep that I would have to reapply again. I asked would that result in another hard inquiry. She said yes. I told her that didn't sound right but that I would reapply. When I reapplied, I was denied again and this time the reason was there was an application already in progress or was recently processed. I sent an adverse action letter to Discover two times and never heard back from them. They will probably say that too much time has lapsed since the application was made but that is not on me. I did my due diligence in writing them to rectify the matter and they never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is 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 reportsno consent is fraud. XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Balance : {$3000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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'm a casualty of fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another credit and these blunders are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be incredibly valuable. We are hoping to purchase a house. Kindly assistance

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 2023-03-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is 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 reportsno consent is fraud. XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}.

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 2023-03-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report. Please correct this ASAP : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
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: Card was charged for something you did not purchase with the card

Complaint:
I was charged in XXXX of XXXX  by XXXX XXXX, a photography company, who went out of business. I used my Capital One credit card. XXXX XXXX was supposed to cover my wedding and did not provide any services. They went out of business with no viable solution to cover my wedding. An " insider '' with the company emailed me to file a dispute to attempt to get my money back. But the contract specifically states if I file a dispute I will not get my money back or services. It is my thought that this was a set up by XXXX XXXX  to keep my money AND not provide services. They stopped responding to emails. They shut down their phone line. There was no ability to resolve and nothing was done by the company to schedule services. 
I then decided to file a dispute with Capital One. I should not have to pay for a company who took my money, rendered no services, and shut down with no back up plan to cover one of the most significant days of my life. I jumped through the hoops of filing the dispute, I gave every single bit of documentation Capital One requested, as well as other statements from others who had the exact same thing happen. This was a scam company and it was very clear that they charged me with no intent to photograph my wedding. Capital One resolved the dispute, but not in my favor. I still owe the original money paid to the photographer and the fees. The reason was that the charge was over 60 days old. It is absolutely unreasonable to think a wedding photography deposit would be under 60 days old when services are not rendered. I was told to resolve my issue with the company. There is no longer a company to resolve this with. I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX, Account number : XXXX. Account name : XXXX XXXX, Account Number : 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-22
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This morning at XXXX XX/XX/XXXX, I received an email from Radius Global Solution LLC at XXXX. Stating that they are attempting to collect a debt of {$2200.00} from XXXX XXXX XXXX. Radius Global Solution # XXXX. From XXXX & XXXX account # XXXX. Apparently I owed XXXX XXXX XXXX  {$2200.00} back in 2011 ( 12 years ago ). Radius tried to intimidated me to pay up. I told them that I don't have an account with XXXX XXXX XXXX and never had a account XXXX XXXX XXXX in the past either. I have been with XXXX and transferred over to XXXX, went XXXX was bought out by XXXX. I'm still with XXXX. I asked the representative with Radius Global Solution to have me XXXX XXXX XXXX phone number. They gave me different number Stating with " XXXX '' not XXXX & XXXX customer service number. I had to XXXX it. Reached XXXX XXXX XXXX Global Fraud Management team. XXXX XXXX XXXX I have reach out to XXXX XXXX XXXX  and they have gave a a case # XXXX. XXXXadius Global Solution asked for my for my new address so the can update in their system? And send me a dispute forms to provide them.

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 2024-01-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2023 I filed a claim with Bank of America for charges unauthorized on my XXXX card. They informed me I would have to file 4 separate claims which we did. 1.Claim Number : XXXX {$7000.00} 2.Claim Number : XXXX {$130.00} 3.Claim Number : XXXX {$2000.00} 4.Claim Number : XXXX {$13000.00} Claim listed as ( 1 & 2 ) was approved and the rest was reconsidered. Then ( 3 ) was approved after 20days and ( 4 ) was denied and reconsidered again. Ive submitted a Police Report with XXXX PD for the ( 4 ) because BOA said it would help with the claim. They continue to deny the claim which I do not understand. The claims were filed the same day for the same reason and should all have the same result. Ive filed a complaint with the bank and appealed the decision 2 maybe 3 times. Spoke to supervisor who left notation that the claim needs to be treated as the same for all claims since they were all submitted same day with same cause. Ive submitted documents to support my claim and police report along with copy of my Drivers License. 3 claims have been resolved but the 4th which is the largest is being rejected. This doesnt seem fair. These disputes were for unauthorized charges and they should have all be treated equally. Please help with issue.

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 2023-03-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX 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.

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 2023-03-22
Company: Experian Information Solutions Inc.
State: CT
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, XXXX XXXX XXXX am filing this complaint against Experian and XXXX for inaccurate reporting of the account. Please see attached for more 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 2023-03-22
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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 2023-03-22
Company: Affirm Holdings, Inc
State: UT
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 items on my credit that should either not be there or updated. I have submitted multiple disputes with proof to have these updated and removed but they continue to tell me they will not update it. They make it very difficult to submit supporting documents and on occasion has not allowed me to include these. I have also been notified im no longer allowed to dispute certain items off my credit as they are " duplicates ''. Which is true however of they actually did an investigation they would see where the company and experian is wrong in keeping the debt on my credit.

Affirm- when an account is paid at a 0 balance you should be updating this. I have had 3 accounts that you have done this to and are refusing to update credit reports when the consumers pay them off. This is wrong. If you can report monthly if you received a payment or not you can report when an accout is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX is a fraudulent account reporting collections to my credit report for the amount of {$590.00} reported on XX/XX/22. This is due to identy theft. I have never signed a wet contractual contract or open an account with this company.

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 2023-03-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I believe Account : XXXX has violated my rights. I have attached the proof. Everything that is inaccurate is highlighted. 

They stated that they had done a proper investigation, but how is that possible if the reporting dates are still inaccurate, the balance amounts are inaccurate, payment amounts are inaccurate and the payment history is inaccurate? 

I believe this is grounds for removal for not properly doing an investigation. I do understand the law, and I am aware that my rights were violated under 15 U.S.C 1681 Section 604 A Section 2.

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