BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-13
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: Investigation took more than 30 days

Complaint:
I have been a customer with XXXX XXXX for about XXXX years. Ive always known they were problematic with there methods. Theyve been sued countless times. My issue with them is the way I was treated throughout the loan. I changed the car with XXXX XXXX XXXX who I also submitted complaints about. XXXX XXXX was in charge of letting XXXX know of the change and pay off. I submitted a contract to XXXX, XXXX, Equifax in order to prove such occurrence. I even uploaded it online to XXXX consumer and they were aware. Knowing all of this no one was willing to help me as a victim of fraudulent business. This occurrence was through no fault of my own or due to my inability to pay. I attempted to negotiate with them regarding the credit reporting aspect of it with Attorney XXXX XXXX. They were still unwilling to negotiate, I was forced to pay with out correcting or risk repossession. My credit got held hostage. About a year later the pandemic happened and I let them know I was undergoing financial distress. Again with no sort of assistance. I had to pay again with no correction or statements added to my credit reporting. The dates that must be changed are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The account was paid in full and I was told by a representative that I may be able to change the report when I made the full payment. It has not happened and I called later in order get that matter looked at and still my issue was not resolved. My time with XXXX consumer has been about paying them and holding my report hostage just so they get there money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-07-19
Company: Experian Information Solutions Inc.
State: NV
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:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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 2019-12-17
Company: Experian Information Solutions 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:
I received my credit report and notice their was a several accounts XXXX, XXXX  XXXX XXXX, XXXX XXXX   INQUIRES : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit file that I have no knowledge of. I have called the companies and file several dispute with the credit bureau. I have also file a police report, Identity theft report and put a security monitoring on my credit. The credit bureau still refuse to remove these account with receiving all supporting documents

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. I have report a complaint over this account that was never verified : XXXX # XXXX, XXXX Account Status : not accurate showing as open account. XXXX Terms Frequency : missing information. XXXX Account Type : is not accurate this account was reported as fraudulent over 3 years ago. Please delete this account at once. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2022-08-26
Company: EQUIFAX, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date Opened XXXX XX/XX/15 Balance : {$270000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: AMERICAN PACIFIC MORTGAGE
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We closed on a mortgage with American Pacific Mortgage XXXX  in XX/XX/XXXX. We pay additional money toward principle and we began attempting to work with them in XX/XX/XXXX because they were putting the additional funds in unapplied funds. They have passed us on to at least 7 people, all who respond with statements such as this is a mess, I will work on it, have blamed the problem on their service company, and have assured us that they have notated in our account that any additional funds should be applied to principle. We have begged them to sell our mortgage ; I have had many mortgages with many companies/banks, and have never experienced such inability to one, apply funds as requested with a simple straightforward mortgage, and two, and most concerning, to fix an issue in a timely manner. As of this morning, they applied our extra payment to unapplied funds and upon contacting them, sent us an email asking what we wanted to do with the funds. It is as if we have not sent at least 100 emails and spoken to at least 7 people about this very issue. We have no trust in this company and, in fact, have begun to wonder if there is fraud involved, as Im quite sure there are borrowers who do not attend to their account as we do. 
Thank you for your assistance with this matter.

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 2019-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received my credit report and notice their was a several accounts XXXX, XXXX  XXXX XXXX, XXXX XXXX   INQUIRES : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit file that I have no knowledge of. I have called the companies and file several dispute with the credit bureau. I have also file a police report, Identity theft report and put a security monitoring on my credit. The credit bureau still refuse to remove these account with receiving all supporting documents

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 2019-05-01
Company: EQUIFAX, INC.
State: MO
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 have been contacting Equifax AND XXXX XXXX XXXX by phone, certified mail and fax since XX/XX/XXXX regarding 5 hard inquires ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I did not authorize XXXX XXXX XXXX to do. 

I did not authorize XXXX XXXX XXXX to do and they have not been removed from my Equifax Credit Report. 

XXXX XXXX XXXX mailed me a letter date XX/XX/XXXX that they have contacted Equifax to have the inquires removed. 

On Thursday XX/XX/XXXX I spoke with XXXX, XXXX XXXX XXXX Theft Identity Department Manager ( XXXX ; XXXX ) was informed XXXX XXXX XXXX has contacted Equifax multiple times from XX/XX/XXXX-XX/XX/XXXX to have the inquiries removed, but Equifax is not removing the inquiries and XXXX XXXX XXXX does not understand why.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: Residential Credit Solutions, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transfered to Residential Credit Solutions , Inc effective XXXX 2015. I did not receive a new account number and payment information from the servicing company until mid XXXX. Since then I have made payment as required monthly, however, residential credit solutions inc has not been applying my payments since XXXX to date to my mortgage. Instead, they are charging me late fee monthly and reported the account as past due on my credit report. Every attempt to straighten out my account has failed. I was promised several times that they will apply my payments but nothing has happened to date. I have copies of processed checks to proofs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Money was taken out of my account by a scammer. Money was taken from my account via XXXX to XXXX. I don't even have XXXX.my bank would not refund the charges and said there's nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Block, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had XXXX charges made that I I did not approve was not notified about debited from my account. The amounts were XXXX on XX/XX/XXXX at XXXX pm and one for XXXX on XX/XX/XXXX at XXXX. Both were from XXXX.Not only did I not approve these charges but cash app denied my dispute and the only reason they offered me was a email wich just showed the time and date of the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: BCA Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice from BCA Financial Services , Inc. stating I owe {$85.00} to XXXX XXXX XXXX XXXX  ( act # XXXX  ). I never signed anything that reflected that I owe anything to XXXX. My husband is an employee of XXXX which recently acquired XXXX  and our insurance fully covers us. XXXX used doctors that were not part of our health plan without our consent therefore we do not think we are obligated to pay this debt. This is a shady practice by both XXXX as well as the debt collection agency they hired. Last I checked all the valid medical expenses have already been paid by my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX I opened a XXXX XXXX credit card account with XXXX XXXX, the credit limit is {$2500.00}. onXX/XX/XXXX. Once I was approved I asked the bank to do a balance transfer to another Credit card, which is with XXXX XXXX. I received an e-mail on XX/XX/XXXX from HSBC informing me that the transfer took place and XXXX should receive the funds within 7 -10 business days.After not seeing the credit to the credit card fromto XXXX. I decided to follow up with HSBC on XX/XX/XXXX. 

I was told by the agent I spoke with that the funds was transmitted to another account and not the one I provided to them and they will investigate and get back with me. I kept calling and was told a copy of the check will be express to me and I can follow up with XXXX. As of date I have not received any correspondence from HSBC only promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, 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/2022 I mailed a letter to XXXX, XXXX, Experian stating the below actions that needs to be taken and i did not receive a reply. 

To someone who can assist me. I am deeply disturbed about the erroneous things that i see on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. These items must be removed if the information being reported is not 100 % accurate. Please find out why these inaccurate information is being reported on my credit report and find out who the inaccurate information belongs to. Can you correct this wrong doing immediately. It is my understanding that you will do an investigation immediately. I am requesting a new credit report that reflects the updated changes. You must complete this investigation within 30 days of receipt of this letter. According to law, unverifiable inaccurate accounts must be removed and if unable to provide me a copy of verifiable proof within 15 days after investigation, you must remove the accounts and or the information listed below. 

1. Under The Fair Credit Reporting Act This Disputed Item May Not Appear On My Credit Report If It Can not Be Supported By Any Documents/Evidence. 

XXXX Case Number : XXXX Please 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 explanation
Consumer complaint received 2021-05-02
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: Problem with personal statement of dispute

Complaint:
I got divorced and a bank kept me on the loan for my ex-wifes house, even though the divorce attorney said I am not responsible for this loan any more. She was in a transaction of selling her house and in the process was late on payment, while she waited for the transaction to close. So all 3 credit reports of mine showed up as I paid a mortgage late. My divorce papers show Im not responsible, and the home is paid off and sold now, yet my credit score has dropped considerably, by one late payment while the selling of this home was happening. I need help.

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 2019-12-17
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: Their investigation did not fix an error on your report

Complaint:
Since XXXX 2019 I have contacted the collection agency all three credit bureaus ( XXXX, Equifax, and XXXX  ) and XXXX   XXXX disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over ten months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX ( original creditor XXXX ) ... Amount {$1300.00} for an authorized/unknown utility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Aargon Agency, 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: Account information incorrect

Complaint:
Aargon Agency Inc reached out to me last year about an account that did not belong to me. I explained to them that I was part of several major breaches and that this account was not mines. I let them know I resided in XXXX  and had not lived in XXXX  since XXXX. I briefly returned in XXXX after an injury before moving to XXXX  and I had no utitlies in my name. I resided with my mother. They said they would investigate and then I heard nothing else. Now it is on my credit report and I continue to dispute this information. The only person that could probably have an account in my name was my mom 's husband XXXX XXXX who has passed years ago but he was the landlord.

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 2019-12-17
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: Information belongs to someone else

Complaint:
There are accounts on my credit report that aren't mine. please remove them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Mid land funding failed to respond with adequate proof. I have requested verification of the amount stated i owe and I am only receiving documents that include a dollar amount only and not proof. This amount has been reaged and is not reporting accurately. The open date of this account is not correct. I am attaching supporting documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank advertised the account as earning 2.15% Annual Percentage Yield for Balances of $XXXX or more and then changed it with no notice to 1.90% APY. This was false advertising and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company is adding interest to debt it knowingly purchased at a discounted rate. They are supposed to be garnishing my wages but instead have opted to add interest to the debt amount month after month. At this point repaying the debt will not repair the damage they have done to my credit by continuously adding interest and reporting that Im missing payments when they took the debt to court and set up my wages to be garnished.

Company response to consumer: Closed with explanation