BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Please look into these negative items on my credit report I have disputed these items more then 30 days ago and have not received any validation or any confirmation which is a fcra violation these companies have also been harassing me this matter is extremely frustrating

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 2018-01-07
Company: Southern Management Systems 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:
Southern Management Systems is currently attempting to collect a debt that I do not owe. My original contract with XXXX XXXX, was paid in full. Before Southern Management Systems obtained this " debt, '' I asked for validation from XXXX XXXX. I have NEVER RECEIVED VALIDATION that this debt is owed.

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 2022-02-03
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX SXXXX XXXX ( Original Creditor : XXXXXXXX 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 2018-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is an credit card I had back in XX/XX/XXXX, I had a fight over the phone with customer service for lying to me about taking ( 2 ) late charges off at that time, which they refused to and added 2 more instead when i had a agreement with one of the worker who represented Capital one of XXXX, so I told them to just close the account which was for a total credit limit of {$350.00}, I felt they were trying to scam me since I had the card for many years, and at that time I was on unemployment, its was the beginning of the recession. They sent me and a friend of mine who is my attorney at the time, paperwork, which I disputed this hole affair and explained it to a judge, I believe my lawyer sent an order to show cause?? Not sure, I believe the judge sided with us, anyway I never heard from capital one again, that was 13 years ago. 

Until XX/XX/XXXX on XXXX XXXX I recived a sheriff notice to garnish my salary. 
Now at the same time I have a ( one ) credit card I just opened to rebuild my credit in XX/XX/XXXX and its from Capital one who just increased my credit line to {$220000.00} and I am in good standing with them? Now I spoke to the law firm that is garnishing me and they said ; they would send me all the paperwork that shows the dates, the judgement and when I was served, which I was n't ever notified of a judgement or a court date other then the court date my attorney went to, but he is now out on medical comp due to his XXXX XXXX XXXX and unable to reach?? Is this legal after all this time? Never any attempt to collect or settle or contacting me before garnishment in 13 years now that the amount has all this interest built up they garnish??? I only owed ( {$350.00} )???? If that??? Plus is n't there some kind of statued of Limitation on Judgments also??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Global Credit & Collection Corporation
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Affinity company has sent me to debt collector agency XXXX. I have never purchased any items in XXXX the jewelry. It says I owe {$2000.00}.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-20
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I received noticed from XXXX that they had verified the accuracy of Bankruptcy Record being reported on my credit file on XX/XX/XXXX. After asking XXXX to validate and verify this account, XXXX stated that " The furnishing agency verified that this information was correct ''. I have contacted the courts in question and was provided a letter from the Deputy-in-Charge stated that they do provide information to the credit agencies, therefore XXXX did not properly investigate or validated this record. On XX/XX/XXXX I received a letter from Equifax Confirmation # XXXX, stated that they had concluded and verified a Bankruptcy recorded reported on XX/XX/XXXX. Please see the attached letter from the US Courts stating that they do not validate or provide information to credit agencies, therefore Equifax did not properly validate this information. On XX/XX/XXXX I received a letter from XXXX file # XXXX stated that had verified information with a reporting agency. Again, according the US courts, they did not provide XXXX with such information and therefore, this information was not properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: NC
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:
hello Ive been trying for months to get this issue resolved as my information was stolen during a breach and it has caused me harm personally and financially.. who ever got my infomation has been running up medical bills. and i need these items removed as its effecting my job status and future goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions 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:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2018-01-05
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, XXXX, I attempted to re-finance my XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, CA. I was doing this so I could get a lower payment amount by starting a new loan even though the APR would increase by about 1.5 %. 

I have made all payments on time. I have made all payments on ALL of my credit cards on time as well since I have re-established my credit. 

Apparently, I 've opened too many charge cards ( 6 ), and my credit score has decreased by over 100 points even though I pay them on time.

So, how is it that the credit bureaus can just keep lowering my credit score just because I am " using '' my established credit? A balance increases on a credit card ; they take points off of my FICO score. I make more than the minimum payment every month, but they do n't increase my credit score for that. I get a new account ; they lower my credit score. I have an inquiry, they lower the credit score. How is it that I get punished for NOT making payments, but I do n't get credit for making my payments timely? 

I 'm XXXX years old, and I rent a town home. I am a veteran, and I qualify for a zero down VA loan. BUT, I ca n't get financed because my score just keeps going down even though I make my payments timely. I need to move my mom in which means needing to move, but the rents here in CA have skyrocketed to ridiculous amounts. I use my cards to help my mom with medicines etc. I 'm being punished for it, and it 's taking a toll on my emotions. 

Do you have any suggestions? 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, XXXX, I attempted to re-finance my XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, CA. I was doing this so I could get a lower payment amount by starting a new loan even though the APR would increase by about 1.5 %. 

I have made all payments on time. I have made all payments on ALL of my credit cards on time as well since I have re-established my credit. 

Apparently, I 've opened too many charge cards ( 6 ), and my credit score has decreased by over 100 points even though I pay them on time. 

So, how is it that the credit bureaus can just keep lowering my credit score just because I am " using '' my established credit? A balance increases on a credit card  ; they take points off of my FICO score. I make more than the minimum payment every month, but they do n't increase my credit score for that. I get a new account ; they lower my credit score. I have an inquiry, they lower the credit score. How is it that I get punished for NOT making payments, but I do n't get credit for making my payments timely? 

I 'm XXXX years old, and I rent a town home. I am a veteran, and I qualify for a zero down VA loan. BUT, I ca n't get financed because my score just keeps going down even though I make my payments timely. I need to move my mom in which means needing to move, but the rents here in CA have skyrocketed to ridiculous amounts. I use my cards to help my mom with medicines etc. I 'm being punished for it, and it 's taking a toll on my emotions. 

Do you have any suggestions? 

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 2022-02-03
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:
XXXX, XXXX, and Experian are violating my rights under the FRCA rights with a charge off. XXXX XXXX XXXX XXXX is reporting a past due on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Talbot, Adams, & Moore, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
TAM/XXXX XXXXXXXX XXXX Collection agency put several collections on my credit file without sending me a bill or any type of notification. 
This agency is not licensed or bonded to collect in the State of Texas where I reside and have been residing all of my life. I have requested validation of the debt because on my credit file it only says medical. They wo n't send me anything. They are just ignoring me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have asked Vanderbilt Mortgage to remove the PMI from my mortgage. It is my understanding of the law that if I can show that my house worth Which was appraised at the time I refinanced it and It appraised at XXXX. I now owe XXXX I have met the requirement to remove the PMI I went on line and asked them to remove it they have n't responded to my request. again tonight I have asked them to remove it

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 2022-02-03
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:
The following XXXX, Experian, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-02-03
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:
The accounts below are reporting on my personal credit file with EQUIFAX and XXXX. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
I applied for an AMEX Blue Preferred Cash credit card online on XX/XX/2018 and was promptly denied. I was stunned and called to find out why. After several calls and departments I was told a prior bankruptcy showed a balance over $ 10k. My bankruptcy was filed 13 years ago and was showing this on all of my credit reports for AMEX. I assumed it was some kind of serious internal error. I had to wait until Monday to talk to the Research Dept and thought it would get straightened out. The Research Dept explained that they keep the information on file and can deny credit due to the previously charged off balance. I asked for how long, and she said " FOREVER ''. Forever?!?! Did she say forever? I was in stunned silence. I finally said, the purpose of a bankruptcy is to give someone a fresh start. I have no interest in doing business with AMEX. Thank you. I was under the impression that once the 7 or 10 years is up it is no longer an issue. I have excellent credit now, in the 800 's and don't carry any debt other than the condo I bought a year ago and a used car payment. I applied with XXXX today and was immediately approved at their LOWEST interest rate offered for that card even though they were in my bankruptcy too. I also work for a XXXX company that services Credit Unions. I have a XXXX. in XXXX. But I don't need that to know that this is XXXX. I'm beyond offended and feel this practice of keeping discharged bankruptcy information FOREVER, when companies don't even keep data for that long on ANYTHING else is unethical and unfair. I was in my late 20s and had never ever paid a bill late until I went into business with someone who didn't do what they were supposed to do and was left with everything in my name. It was not characteristic of my financial history before or after that. It's absolutely appalling to me that AMEX has given me a life sentence arbitrarily, without considering my financial picture the other 42 years of my life where everything has been immaculately spotless. Their loss, I have XXXX now and plan to use that card for everything I buy to get the cash back and will pay it off monthly. I'm disappointed in AMEX for being so impersonal. I want to know from the CFPB if this is ethical and if this is legal according to the CFPB and other financial governing agencies. I'm also going to ask a class action lawyer. I also work for the XXXX of the Legal, Compliance, Accounting and Finance Depts at work and will find out the best way to get to the bottom of this unfair practice. Good luck, AMEX. This won't be swept under the rug for long. This isn't the first complaint on this site against them on this very issue. Time to put an end to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX money was pulled out of my account {$1900.00} thru cash app to XXXX XXXX XXXX processed the chargeback reversal in the amount of {$1900.00} to Cash App Bank XXXX XXXX on XXXXXXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EOS Holdings, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I received a letter from a Debt Collection agency stating the I owed XXXX {$44.00} I never received a bill for this, but I went ahead a paid the Debt collection agency EOS They sent me letter stating that the debt was paid & XXXX was paid on XX/XX/XXXX I received another letter from a different debt collection agency stating that I still owed {$44.00} to XXXX I contacted XXXX and they claim the EOS never paid them even though EOS sent me a letter stating that they had

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Experian Information Solutions Inc.
State: UT
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 XXXX # XXXX is reporting a debt I do not owe. This collection is paid off and I should not owe any balance on this. This should be deleted off of my account, I have already paid it.

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 2020-08-01
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX  represented me and secure a modification with PHH mortgage ( Ocwen ) ON XX/XX/XXXX I was informed that the modification was successful and that I am to pay XXXX on XXXX XXXX. XXXX XX/XX/XXXX I tried to make my payment over the phone, the system stated that no payments can be made on this account. I tried to pay online and I could not because I have limited access. I could not reach a customer service rep because the company no longer have customer service on the weekends. Since this company has took over my mortgage its been a nightmare. My first modification was removed because a customer service rep marked my payment to be taken out of my checking when I clearly said to take the payment from savings. Everytime I called to get it straighten out the customer service rep stated that it will be escalated and for me not to worry.. Now I paid a third party to help me and this phh mortgage again is messing me over with my payments. I HAVE AN AGREEMENT/MODIFICATION TO PAY ON XXXX XXXX.I AM COMPLYING WITH THE AGREEMENT AND PHH WILL NOT TAKE MY PAYMENT. This mortgage company is a predatory company. I want this company held responsible for its deceptive practices.

Company response to consumer: Closed with explanation