BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is already my third time submitting this complaint. I have told you already, I was never late on this account. In fact, there are multiple errors with this account. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information are XXXX percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617.. Please remove negativity, fix and correct all inaccuracies.. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: NE
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 the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my 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 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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2017-02-06
Company: MRS BPO, LLC
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX of 2016 prior to the XXXX XXXX due date, I suspended all lines of my prepaid XXXX service using the online suspension option through the 'My Account ' on XXXX XXXX website. A few days later I entered the XXXX store located at XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX to confirm the disconnect of my prepaid XXXX service with the representative there and explained my reason for the disconnect. It was of mutual understanding that though I was ending my relationship with XXXX that I would indeed submit payment in full for the current phones once the final bill for said phones arrived in the mail. 
In XXXX 2016 when I received a past due bill for services never used, I consulted a XXXX representative via chat on the XXXX website. I was told then that the account would be taken care of and again I would receive a bill for the phones only, which I repeated my understanding for and would submit payment in full for the phones once the adjustments were made. 
In XXXX 2016, I received a call from a XXXX billing representative about the past due bill, which has yet to be adjusted properly. At that time, we had a conversation regarding the fact that my XXXX account was always a prepaid account and that I would not be submitting this payment for the months of XXXX and XXXX considering I had, 1 ) Suspended the phones online AND requested a disconnection in person at the store at and 2 ) did not use my prepaid lines during the XXXX and XXXX prepaid billing cycle that unbeknownst to me were never disconnected by XXXX as I had requested to be done, twice. The CSR that I spoke to that day acknowledged that my account was prepaid, acknowledged the fact that I had cancelled, and told me at that time I would be sent a bill for the phones ( which I agreed that I owed that {$250.00} ), and that the existing charge would be adjusted to reflect the amount for the phones only. 

XXXX and its creditors continue to harass me via phone, my wife 's phone, and by postal mail. I have sent numerous letters to dispute the charge, the reason for the dispute, and the acknowledgement of my owing {$250.00} for the phones. They have yet to acknowledge in wrong doing and refuse to adjust the bill to reflect only the charge for the phones.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18
Company: Mobiloans, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They consistently call my phone 3-6 times a day. I have told them that I do n't have contact with the person they are trying to reach and they still call.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07
Company: Revenue Assistance Corporation dba Revenue Group
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a call from Revenue Group claining I owe California State taxes from XX/XX/XXXX and XX/XX/XXXX. I called Califorina Franchise Tax Board and they told me I do not owe them nor have they send anything to a collection agency. They do n't even use the Revenue Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I thought banks have to make funds available within about 2 days after a check deposit. I've made electronic transfers initiated from the Capital One savings account from my bank checking account and it takes a week for it to show up in the Cap One account. This time I read on the Cap One site the following : " Do mobile checks deposit instantly? In most cases, mobile check deposits arent instantaneous. You may have to wait at least one business day for the mobile deposit to process, and some banks may also have a cutoff time for deposits. If you deposit a check after that time, you may have to wait another business day for it to process. Tip : Capital One customers can typically access their funds the next business day. But if you deposit a check using your mobile app after XXXX XXXX XXXX your check may take additional time to process. '' So I installed the app and made a mobile deposit today XX/XX/XXXXand the app said it would be available XX/XX/XXXX- a week from Monday. Please investigate. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My federal loans with MOHELA were consolidated on XX/XX/22. Shortly after consolidation the loans were separated into " subsidized '' and " unsubsidized '' with different qualifying numbers of payments for each. As a consolidated loan each portion should have the same number of qualifying payments, which is currently listed correctly for the " unsubsidized '' portion ( 106 payments ). The " subsidized '' portion is incorrectly listed as 90 payments. MOHELA representatives by phone tell me it's an error for the two portions to have different payment counts and they indicate the subsidized number will be updated to the same, higher number displayed for the unsubsidized portion. However, I am not told this in writing and the representatives do not indicate when this will happen. 

In response to a payment recount I requested through the CFPB ( complaint ID XXXX ), MOHELA reiterated the same incorrect information that is currently displayed on my profile -- the " subsidized '' portion is listed as 90 payments and the " unsubsidized '' portion is listed as 106 payments. The company 's response provides no justification as to why the consolidated loan has two different qualifying payments count. I contend that a payment count was not done and that the company simply responded with the current, incorrect information listed in my profile. 

I am requesting another recount. The consolidated loan should have one qualifying payment number of 106 payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: BARCLAYS BANK DELAWARE
State: NC
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 applied for a credit card with Barclay approximately XXXX years ago. My bill has always been paid on time. However, I never received an increase in my account. Once the corporate office was contacted, I received an increase. My mother passed from XXXX. In XXXX, 2022, I had to take care of her final bills. Therefore, I utilized my credit cards more than usual. Because of this, my credit score dropped. However, I wasn't concerned because I knew that it would only be temporary. Barclay immediately cut my credit limit without notifying me prior to doing it. When called they stated that I would be receiving a letter in the mail. They did not contact me to see if it there was a reason, they just did it. XXXX XXXX score has returned to almost normal at this time. I called Barclay on Friday, XX/XX/2022, and spoke to XXXX ( ID # XXXX ) concerning this matter as well as my interest rate increase. She confirmed that my interest did increase & I was not notified. This is an issue because they are supposed to notify their customers. Also, she stated that I would have to apply for an increase. This is an issue because I should not need to do so. She stated that it is a system automatic and I know that this is not the case. Barclay penalized me when I was dealing with my mother 's death. I do not appreciate this. Barclay did not wait to see if my score would remain low, they automatically decreased my limit. No one should be treated in this manner. - 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 2022-11-22
Company: Experian Information Solutions Inc.
State: TX
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 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

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 2022-02-23
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter  PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX Account number # XXXX account name # XXXX XXXX has violated my right 15 U.S.C section 1681 602 A States I have the right to privacy 15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-30
Company: Experian Information Solutions Inc.
State: OH
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit 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 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 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 2023-03-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: WY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Credit card was fraudulently opened in my name with XXXX on XXXX. Initial dispute reported XXXX, reference # XXXX, when I was made aware of charge off. I was told that it would be resolved and removed from my credit report, was removed from XXXX and XXXX but not experian. Filed another dispute with experian and XXXX  XX/XX/2023, no communication from XXXX  and experian dismissed my request. Filed identity theft report to federal trade commission XXXX, FTC report # 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 2017-04-07
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Equifax was reporting XXXX accounts that I was an authorized user on, however not liable for ( I have cancelled being an authorized user ). I asked them to remove the accounts they removed the first account within a week of the dispute. I contacted them on the status of the second account and the representative told me she could get this taken care of. She worked on the account while I was on hold 30 minutes and came back and said the account will be removed in 24 hours. 48 hours later I pulled my credit report thru the Equifax system and the account remained but the dispute was removed. I called and spoke to a supervisor who said they were working on the dispute, even though the dispute was cancelled. I asked how they could do this because, dispute XXXX was cancelled so I could get my pre approval for a mortgage and is still technically open and that was filed 3 months ago. I contacted the bank, XXXX XXXX, and they stated they had indeed sent Equifax the information 17 days prior though Equifax personnel say they do n't have a record of it. So they are holding my credit report hostage by not being diligent with information give to them. The XXXX other credit bureaus removed these accounts within 48 hours of receiving the dispute because the information stated directly I was only an authorized user and not a joint account holder. I believe all credit bureaus need to help consumers and not hold them hostage because a score of XXXX is not good because of an account being reported but a score of XXXX is good when said account is not shown, big difference in percentage rate for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: MCI Mortgage Inc
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I hired RCM Mortgage as my mortgage broker for my VA home loan purchase made in XX/XX/2016. RCM Mortgage made a huge error when calculating my estimated payments. I was provided with documentation along the way with the estimated monthly payment and the Final Closing Disclosure provided at closing as well as other closing documents showed an estimated monthly payment of {$1500.00}. I recently received my Annual Escrow Disclosure statement from my mortgage company and learned about RCM 's error. As stated, RCM Mortgage estimated my monthly payment including escrow at {$1500.00} but in actuality the estimated monthly payment should have been {$1700.00}. RCM miscalculated the property taxes and provided the incorrect payment amount on my closing documents. The error resulted in a difference of {$140.00} per month and {$53000.00} difference over the life of my loan. Today I have an escrow shortage in the amount of {$1700.00} and a huge payment increase to deal with. I contacted the broker to discuss the error and simply only received an apology. I contacted the manager of RCM Mortgage and did not even receive so much as call back. Due to the miscalculated payment which was RCM 's error I am now contractual obligated to a payment that I am not comfortable with. I made the broker very aware that I was very sensitive about the payment and only closed the loan based on the information that they provided. I was not provided with accurate closing information and feel that RCM acted in an unethical manner when negotiating the terms of my mortgage loan and provided closing information that they knew I would agree upon even though it was not accurate. I would like RCM Mortgage to provide some type of monetary settlement to help offset their error.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation