BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-22
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX Global Client Solutions reached out to us offering to consolidate our debt with the creditors. They told us they were going to use our monthly payments of XXXX US dollars to arrange payments to our creditors to pay off our debt at the end of 42 months since XX/XX/XXXX. On XX/XX/XXXX of XXXX we received a notice from the Superior Court of New Jersey that there was a lawsuit being conducted against us. As soon as we received this we contacted the Superior Court and notified them we have legal representations from Global Client Solutions of our contract and the payments being made. We then contacted Global Client Solutions and told them that we had a lawsuit against us. They told us we don't need to worry about it, don't contact anyone, and don't worry about answering because they'll take care of it. Also they said they're not giving us a legal representation of what's going on. A week after this contact, Global Client Solutions contacted us back and asked for XXXX US dollars for twelve months plus the amount we were already paying of XXXX US dollars. They told us by New Jersey law they could go to our bank account and our paychecks to take up to 10 % of the money they want. We answered to them " If we had this money, then we wouldn't have needed your service. '' This was ten months into the contract in which we were paying XXXX US dollars to accumulate to an amount of XXXX US dollars. So we asked them what they were doing with our money since nothing has changed with our debt. The only thing that was done was they made six monthly payments which accumulated to a total of XXXX US dollars to XXXX XXXX not including the XXXX US dollars. They told us as well the administration fee was XXXX US dollars. However, they told us the money is being used for our creditors but they didn't pay anything other than the XXXX US dollars. We contacted the creditors ( other than XXXX XXXX ) and asked them about our arrangements that Global Client Solutions made and they told us they weren't contacted by anyone to make any arrangements. Afterwards we went to an attorney he we had a meeting with in which he told us to stop paying Global Client Solutions because they're not going to provide us with the service they told us about. He also advised us to file bankruptcy for us. We went on with this as a solution to the problem. The attorney told us there is no hope of getting the remaining balance we lost back which is XXXX US dollars. There was a disbursement of XXXX US dollars to our creditors plus XXXX US dollars in administration fees to Global Client Solutions. So with those two amounts we now have XXXX US dollars we lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
On XX/XX/2019, Capital One called me to warn about possible fraud on my account. I was in Washington DC, in possession of the credit card, and someone in XXXX XXXX XXXX made seven purchases totaling {$1200.00} in the span of minutes, including two identical charges of {$570.00}. The representative canceled the card and advised me to destroy it, which I did. Capital One just advised me that a fraud investigation found that I did, in fact, make the purchases, because the merchant said my chip was used. I am not sure how the frauds copied my chip, but I have other credit card purchases on both XX/XX/XXXX and XXXX on my two other credit card accounts to show that I was still in DC, until the night of XX/XX/XXXX, when I was already due to travel to New York. I spoke with two Capital One representatives and was told there was no way of appealing the decision or opening another investigation, even though Capital One called me to alert me to the fraud in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I enrolled in a debt repayment program with XXXX in XX/XX/2018. XXXX XXXX approved my payment amount and participation in the plan on XX/XX/2018. Since then I have made on time payments to XXXX, and through them to XXXX, but XXXX is reporting that Im 90 days late. I have contacted the company several times and received no assistance whatsoever, even though everyone Ive spoken with agrees that their records confirm what Ive said.

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 2021-07-09
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
Account never charge off

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 2019-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-10-14
Company: EQUIFAX, INC.
State: TN
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 have payed off my XXXX XXXX account since XX/XX/2020. There has not been any report from XXXX for 2 months reflecting the account has XXXX balance. It shows on my Equifax credit report last reported payment was XX/XX/2020 balance is {$180.00}. This is an incorrect report. I made a my last payment with my XXXX checking account on XX/XX/XXXX for {$85.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
It's been well over a year now, and I'm still battling with Equifax and XXXX to review my credit and remove a fraudulent medical account. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies won't comply. This is my second complaint against them. I know deep down that they are Intentionally keeping these accounts on my reports and other Americans so they can continue to collect monthly reporting premiums from the collection agencies. Why else would they review my documents and completely ignore them? Every time I call there is a person with a thick accent that is trying to sell me credit monitoring!! All they care about is money, and the CEO 's and leaders of these companies should be ashamed of themselves. These collections are keeping me from moving forward on some life goals so my family can have a nicer school to attend. Thank you CFPB for being here for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my Mortgage through quicken loans. I feel that their practices are predatory. I was first told I would have no problem getting cash out. Well, a couple months into the process I was told that would not be possible, but I decided to continue, as I was told I could reduce my monthly mortgage payment. So after adding {$8000.00} back to my mortgage for closing costs, and going back up to 30 years, there is no change in my mortgage payment. So I gained nothing but a lower credit rating. Quicken miss calculated my home insurance and did not pay it when they bought my mortgage. I called them XX/XX/XXXX, and was told it would be " researched '' but as of yet, no research, and now the rep tried to blame me, because they called me but my voicemail was full. So apparently they needed to speak with me before they could begin their research, because XXXX reps was n't enough, I had to speak to a third. In the meantime, my house insurance was cancelled. It has been re-instated, but Quicken does not seem to want to take responsibility for their mistake, and want to put it on me as the consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-21
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I did not give authorization for this company to run my credit and put it on my credit.i want this account to be removed from my credit. they put this car my account and never removed it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was denied credit due to a credit report the potential lender had received from Experian so I wanted to get my credit report online, but the system wasnt loading " at that time '' I tried Friday and Monday. Anyways they let me print out a page to mail to them, BUT they want my photo id ( In the mail?! ) and a utility bill with current address. My issue is, if they have enough information on my name to get me denied credit, w/o asking me for proof of who I am, then why wont they send me, at my address of record, the same report, without trying to squeeze out even MORE personal information? So now they will have my driver record and which electric co and how much electricity I use, in addiion to what they already have on me? Is this legal? XXXX gave my my report in no time, on-line, without trying to coerce more personal info! 
Thank you

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 2018-06-18
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I discontinued insurance with XXXX and ended my policy. I was told by XXXX  that the policy amount was prorated and I paid for the amount of service i retained. I told this CCS company that this was settled and please stop sending harassing letters because I don't owe XXXX. Company has not responded to the requests I have made for proof and to please close and remove for my credit reports. I have also contacted the three credit bureaus for an  investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I can not dispute the inaccuracies on my credit report because key information about my personal information is wrong. When I attempt to dispute the information, I can not be authenticated on their form because I am entering the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have reached out to XXXX XXXX ( XXXX ) representatives for 1 year and 6 months with no response and no resolution to unfair credit reporting on my account. Despite several successful disputes with credit bureaus, XXXX XXXX continues to re-report either an XX/XX/XXXX or XX/XX/XXXX late payment on my credit reports. This account was never late in XXXX nor XXXX of XXXX. Payments were made on the XXXX of every month via ACH deposit. To report XXXX and/or XXXX payments as 30 days late is false. Payments were automatic on the XXXX  of every month. The archived statements on this account reflect ACH monies processed and exchanged between XXXX  and my bank. 

Furthermore, if the amount sent was short of an escrow adjustment it was never communicated to ( me ) the secondary account holder. I did not receive any notices, bills, invoices, or calls regarding any adjustments as I am not the primary account holder. It is my understanding that XXXX XXXX  never maintained accurate contact information for me as the secondary account holder during the life of this loan. This is crucial because I relinquished contact with the primary account holder in XX/XX/XXXX due to a court appointed Protective Restraining Order issued by a XXXX County Judge in response to a XXXX XXXX  Charge. This No Contact order was in place for my safety and I requested XXXX  to adjust my separate information at the time. Communications, if any, made to the primary account holder were not made to me. I have supplied the confidential court documents to XXXX XXXX customer service email and to the RESPA Written Request Department and have received NO response. My numerous attempts to discuss and resolve this issue have been ignored. I am pleading for assistance, fair credit reporting, consumer protection, and compassion. I am the victim of XXXX  XXXX and a protective restraining order was in place against the primary account holder during this time to protect me from further XXXX and XXXX. I am asking for XXXX XXXX to have the compassion to permanently adjust the 30 Day late marks they continue to re-report on my personal credit reports and reflect them as current OR relieve me from their continued reporting all together. Since this account is classified as a mortgage account these derogatory marks are negatively impacting my chances at applying for safe housing, mortgage loans, and refinancing, for the next 7 years. I have mailed all the documentation to support my claim along with my contact information several times to XXXX, I can supply again if asked, and I would greatly appreciate the opportunity to resolve this issue. Please contact ME, as I am not in contact with the primary account holder.

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 2020-05-11
Company: Convergent Resources, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to get the company to stop reporting incorrect information, they aren't responding to my correspondence and I want to deal with the original creditor.

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 2022-01-05
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/XXXX2021 I consumer, XXXX wrote to Experian regarding XXXX hard inquiries that I saw that appeared on my consumer report that I did not authorize. This direct dispute letter was sent via XXXX on tracking number XXXX XXXX XXXX XXXX XXXX and shows it was received on the XXXX of XXXX at XXXX. Experian made no effort to investigate and remedy the issue because I got a generic automated response stating that everything is reporting correctly. Experian did not provide how they investigated this issue and who confirmed that it was correct, and according what law. Experian as a consumer reporting agency is not in compliance with FCRA 15 USC 1681b ( c ) to make sure that all information that is reported on my consumer report are kept private, correct and validated. Experian is to withhold disclosure of my consumer report information to creditors unless I consent which I DID NOT for these XXXX inquiries I am referring to. At this point I am ready to file a suit in federal court to get my voice heard because I am tired of the automated responses that they have in place. As a consumer I am entitled to receive damages up to {$1000.00} for each of the XXXX items for any FCRA violation, whether the violation was intentional or not for each of the items that I am disputing. I am attaching the letter that was sent which has all the XXXX inquiries that I am questioning.

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 2018-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Transunion lowed my credit score on XX/XX/2018 by 69 points for no reason other than I received an increase in my allowable credit. I have tried to fix this with them and on this site. It still has not been fixed. 

XXXX lowed my credit score on XX/XX/2018 by 59 points for no reason other than I received an increase in my allowable credit. I have tried to fix this with them and on this site. It still has not been fixed. 

I understand how credit scores work and my score should have increased instead of decreasing.

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 2019-05-24
Company: SYNCHRONY FINANCIAL
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am in a hardship that started as the impact of hurricanes Irma and Maria, therefore, I had not been able to keep my account with Syncrony Bank open for their Pep Boys Credit Card. I had closed my account and had contacted the issuer of the credit card of pep Boys and they had raised all sort of fees and will not allow me to enroll in  their hardship program.

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 2018-06-18
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:
To : Consumer Disputes and Compliance Dept, This letter is a formal complaint that you are reporting false, incorrect credit information. 

I am really distraught that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. It is your companies duty that every step must be taken to assure the information reported is completely accurate and correct.These items below are not correct and are keeping me from from purchasing my 1st home. 

I would like these items immediately re-investigated as the items below are erroneous, inaccurate, incorrect and falsely reported accounts. 

1. Loan was deferred and should not be showing late payments XXXX   Account Number : XXXX Student Loan was deferred XXXX, XXXX, XXXX and XXXX, in XX/XX/2016and was never late. Please update this item to reflect no late payments. 

2. Loan was deferred and should not be showing late payments XXXX   Account Number : XXXX Student Loan was deferred XXXX, XXXX, XXXX and XXXX, in XX/XX/2016and was never late. Please update this item to reflect no late payments. 

3. I am the wrong consumer for this item. This is not mine XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Account Number : XXXX This is not my student loan and should not be on my credit report. This belongs to someone else. Please provide proof of a contract signed by me or remove it 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 non-monetary relief