BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-24
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband died and I tried to do a modification based upon my income. I started the process in XX/XX/2021. I filled out the paperwork and submitted bank statements each month as requested. My modification was denied in XX/XX/2021. I have decide to sell my home. My complaint is the payoff amount. They delayed the denial. I could have sold it in XXXX after the first submission. The payoff includes XXXX monthly payments. 
These additional payments should have been avoided if they would have offered me a forbearance. No options was presented to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: LEXISNEXIS
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I sent letters to LexisNexis asking this company to remove items from my Credit Report that are in Violation of the FCRA, FDCPA, and METRO2 compliance. As of this date ( XX/XX/XXXX ) and clear proof, LexisNexis has disreguarded my attempts resolve to this matter with frivolous responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I, XXXX XXXX, sent a letter on XX/XX/2022 regarding inaccurate on my credit report to this day over 60 days later. I have not received any feedback from you. I feel like I am being taken advantage of and being ignored regarding my disputes. Under Section 611 ( a ), it is purely stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days already and so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I paid my balance in full of {$380.00} to CREDIT MANAGEMENT LP. When I asked if they woulf take it off my credit, they told me they would not and the reason is because they had sent paperwork to a former residence of mine in Virginia. I never received any debt collection paper work or anything along those lines. I found out about the debt after it was reported as a collection on my credit report. I feel its kind of XXXX to have you pay this collection and then it stays for 7 years. Why bother paying it then? I tried to dispute it on all three credit bureaus but they wont budge. Id like to have it removed from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 fumish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under al open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediataly as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-01-16
Company: CAINE & WEINER COMPANY, 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: Account status incorrect

Complaint:
I am being reported by Caine and Weiner for an delinquent account that never was an collection. I paid the exact amount due in XX/XX/XXXX through the original Company ( XXXX XXXX  XXXX ) and I was credit reported by XXXX XXXX XXXX in XX/XX/XXXX for an amount that was MORE than what I originally owed and paid in full. Both companies have been awful with communication and didnt resolve anything within a timely manner. Its still on my credit right now and affected me negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Professional Debt Mediation, 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: Was not notified of investigation status or results

Complaint:
Theres a creditor, trying to collect a debt apartment complex that I do not owe. 
It was seven years ago and I asked for proof of original paperwork original signature and they did not provide me with valid copies of any of this, they sent my copies of stapled paperwork that couldve of come from anywhere that has a signature on it but is not my signature it is fraud.I went even further and actually called the apartment complex that the creditor stated they received this debt from they looked in their computer and I do not exist anywhere even did a back date and could not find me. At that point I went even further and I went to the apartment complex with the letter PDM sent me and my Drivers license and they still had no record of me .This is fraudulent and Id like this taken care of as soon as possible and removed from my record. XXXX XXXX and my assists are being threatened to being withheld from something I had no responsibility for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2010 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check into my checking account from my XXXX plan which I have done on a few other occasions. It was advised I could pay a {$45.00} fee to deposit it same day, otherwise it would be available the next day for free. I selected the free option so that my funds would be available on the next morning. When the next morning arrived, my account was overdrawn in the amount of {$290.00} roughly and my funds were not available. I called the bank and they told me my check was placed on a 10 day hold and my funds would not be available until XX/XX/XXXX. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe relied on those funds to pay for expenses. The rep and XXXX told me there was nothing they could do but if any of my charges left me overdrawn any further they would not charge me a fee. I asked for my check back to deposit into another bank they said it was not possible and they could not make any funds available to me until XX/XX/XXXX. I asked what my over draft limit was because if I remove funds from my other accounts for my bills I would be in even more trouble in which the XXXX told me she did not know what limits I could Overdraft to. I tried to use my card for gas and food which my card was declined, they also declined a bill payment. I do have not had overdraft charges to my account and my funds are being held and I can not pay my bills. This trip was XXXX XXXX  because of this bank and now I still have no funds to pay my bills that are due this week. I will be changing my direct deposit over as soon as this is done and will be terminating my relationship with this bank. I was forced to borrow money to get my account out of a negative balance and now I am still unable to get my check or my funds from this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery keeps calling me at my job. I work at a dealership and they call reception asking for me, stating that they are on a recorded line. I asked several months back NOT to call my job and they keep doing it. Today when they called I told them I reported them and the girl said " Now wait just a minute. This is the first time I called you '' I hung up the phone. I am about to file Chapter XXXX bankruptcy and they continue to call me at my job. This is against the law if they have been told I can not take these calls at my job. 

I want them to be punished for there harassment and rude way of speaking. The number they call on is XXXX. Sometimes from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I purchased items from Kohls in XXXX 2023- some that I returned. There was a {$10.00} birthday voucher ( not Kohls Cash ) that I used on the transaction. I was billed back the {$10.00} after I paid my bill in full. 
I got mad after years of Kohls and the Kohls Cash scams and didn't deal with it as promptly as I should have ( and it was only {$10.00} ), my brother was XXXX XXXXXXXX, and I work XXXX hour weeks. This was a low priority. 
The {$10.00} Birthday Voucher accrued {$2.00} additional in interest- all of which I then paid. I do not have access to any of the details as I was mad and disgusted after being a 20+ year customer - so I shut down my account. ( And I was in an emotional state. ) This TANKED my excellent credit score. My credit score shows no signs of improvement after 6 months. HELP!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-09
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: Account information incorrect

Complaint:
XXXX XXXX is reporting a delquient account which is false because I never got the item they billing me for and XXXX  XXXX account was deleted for fraud and reappeared I attached police report for XXXX  XXXX fraud and email from XXXX XXXX saying they understand I didnt get my item but I still got ta pay which is fraudulent who pays or billed for something the company no I didnt get

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 2022-07-09
Company: Experian Information Solutions Inc.
State: NY
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:
Recently viewed my report and noticed some accounts that I have never had or signed up for. These fraudulent accounts are affecting my credit and ability to purchase a home

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 2021-06-04
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Professional Debt Mediation is trying to collect a debt that is not valid, and in reality are trying to extort me. all information is documented and attached to this claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I requested my overpayment amount be refunded and still do not have refund processed

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 monetary relief
Consumer complaint received 2022-12-16
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:
This is so XXXX & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the XXXX did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of XXXX XXXX XXXX any actual damages sustained by the consumer as a result of the failure; and XXXX XXXX XXXX in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial XXXX that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX Balance : XXXX  Date Opened : XX/XX/XXXX and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : 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 2022-07-09
Company: EQUIFAX, INC.
State: NY
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:
Recently viewed my report and noticed some accounts that I have never had or signed up for. These fraudulent accounts are affecting my credit and ability to purchase a home

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Google Compare Credit Cards Inc.
State: NC
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:
In XXXX, I subscribed to XXXX XXXX for $ XXXXmonth. Recently I received notice that the price is going up to {$64.00} on XX/XX/XXXX. I do not want to pay that amount and have desperately tried to cancel all of my cards associated on the XXXX XXXX  account. However, that fraudulent company called Google, Inc. will not allow me to cancel my payments even though I have cancelled my XXXX XXXX subscription. I do not and can not afford to have them bill my card on the XXXX of XXXX for that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX Balance : {$710.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; A XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Recently viewed my report and noticed some accounts that I have never had or signed up for. These fraudulent accounts are affecting my credit and ability to purchase a home

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 2023-05-18
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$7500.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX is reporting a delquient account which is false because I never got the item they billing me for and XXXX  XXXX account was deleted for fraud and reappeared I attached police report for XXXX  XXXX fraud and email from XXXX XXXX saying they understand I didnt get my item but I still got ta pay which is fraudulent who pays or billed for something the company no I didnt get

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