BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-24
Company: EQUIFAX, INC.
State: VA
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 tried several.times to dispute my Equifax, XXXX  and XXXX  credit reports because they have incorrect information on my credit report but I am unable to dispute because when I go to XXXX  website, it doesn't allow me to dispute because another active dispute is in process. 

XXXX  does not allow me to dispute the same account because I had dispute it 60 days ago, however information has changed. 

Equifax does not allow me to dispute. When I attempt to dispute and go on their website and log in, the site gives me a number to call. When I call that number no one answers. I stay on hold for as almost an hour and no one come to the phone. 

My account showing as XXXX XXXX XXXX has been paid in full and it is not reflecting this on all credit reports. I filed a previous complaint with CFPB last week and I received an email that your organization could not send the information to the company or resolve it. Why not, doesnt Consumer Financial Protection Bureau monitor these credit agencies. They are housing incorrect information on my report and th his needs to be fixed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA
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 grace period was up and there was not sufficient communication to start paying. I now have a 30-59 day late on my credit report which I would like removed and the late fees assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern : I formally request that the following inaccurate items be immediately. 
REMOVED I have provided you all document of the illegality. 
OF THESE FRAUDELENT ACCOUNT ADS/COMENITY/ZALES # 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 2018-07-24
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX should be deleted from my credit report. See attached letter. Please delete this account in the next 2-3 business days and send me a copy of the updated credit report reflecting this change.

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 2020-05-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$0.00}, {$10000.00}, {$2500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX we signed up for XXXX using one of the consulting firms who set up the account. As a result at no point, anyone offered us any kind of terms of conditions, or policies. After unsuccessfully trying to implement their product, it never worked right, so we decided to cancel the subscription. It took me several days to research how to cancel it since XXXX  makes it very hard to cancel. 

Finally, on or around XX/XX/2021 I was able to submit a cancelation request. But XXXX employee told me that according to their policy the cancelation request should be made 10 days before the renewal date. 

The problem was - no one told me about the existence of such a policy, which I mentioned to the XXXX employee. She ignored and responded with the same answer. 

On XX/XX/2021 Keap/InfusionSoft charged {$210.00} on my card again. I filed a chargeback request with Capital One - case number XXXX. Capital One requested documentation and the merchant provided a printout of what I think is one of the many pages on their website that mentioned 10 days cancelation requirement. That document the merchant provided did not have my signature or any indication that I was made aware such a document exists. 

On XX/XX/2021 I received a letter from Capital One saying that the merchant provided satisfactory proof and asked me to send them the policy I received when subscribing to the service, in case my copy does not have 10 days requirement. On XX/XX/2021 I responded to them that I never received such a policy in the first place, yet Capital One denied the chargeback. I reached out to several people in Capital One and each of them said " I personally understand you very well, and this is wrong, but we need a policy you received ... '' despite me telling them I never received one in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: EQUIFAX, 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 disputed an account being reported to my credit report by XXXX XXXX XXXX XXXX in the amount of {$8800.00} on XX/XX/2016 after formally disputing with the company directly on XX/XX/2016 and again 31 days later on XX/XX/2016 when they failed to respond within the 30 days required by the FDCPA including but not limited to Section 807-8 and FCRA. I provided copies of my reports time and date stamped confirming my accusation as proof they failed to respond. They have failed to also meet the same regulations set by the FDCPA and FCRA. 

I further filed a complaint with the FTC on XX/XX/2016 when I could not get either entity to follow Federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been disputing with XXXX, Equifax and XXXX for more then 10 months. They never send me any results or status about my claims, they just delete the dispute accounts then later down the line re-add them causing my score to drop. In my last letter on XX/XX/20, I warned them I would consider a complaint due to the FCRA regulation regarding re-inserting deleted accounts. This was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had requested my consumer report from XXXX. After obtaining my consumer report I saw that there was a re-insertd bank accounts from XXXX XXXX XXXX XXXX. The re-inserted account was on my Chapter 7 Bankruptcy from XXXX 2010 and these accounts were included on the bankruptcy. The Credit Union has re-inserted these bank accounts in which were enclosed on the chapter 7 bankruptcy. I have sent this information over to XXXX XXXX XXXX XXXX over a month ago and they have not removed the entries. So now I am submitting this to the CFPB. They can not re-insert accounts that were included in a bankruptcy and after seven years. Also XXXX again has put addresses on my report that do n't belong to me : The only addresses that are associated with me are as follows : XXXX XXXX XXXX XXXX, NJ XXXX 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 explanation
Consumer complaint received 2019-08-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I send in a dispute request for all 3 credit bureaus ( Equifax, XXXXn XXXX XXXXn ) to update the XXXX balance to {XXXX or remove the account as the XXXX   sent me a 1099-C to pay taxes on the debt that was owed/ XXXXE verified the balance that issued in my 1099-C form on XXXX XXXX when the issued a cancellation of debt let to me back XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I send in a dispute request for all 3 credit bureaus ( XXXX, XXXX  & Transunion ) to update the XXXX  balance to {$0.00} or remove the account as the XXXX  sent me a 1099-C to pay taxes on the debt that was owed/ XXXX  verified the balance that issued in my 1099-C form on XX/XX/XXXXwhen the issued a cancellation of debt let to me back XX/XX/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 2019-08-09
Company: Medical Society Business Services, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have medical Bills on my credit report from the Bureau of Medical Economics that I shouldn't owe. I was visiting Arizona from Colorado and I ended up having a ruptured XXXX XXXX  that I had to get seen for in the hospital. I had Colorado Medicaid at that time and I never even recieved an original bill stating that I owed anything. I found out by lookin at my credit report. Having this on my credit is impacting my score and life negatively. Please help me get it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX ) XXXX Account # ; 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section : states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been disputing with XXXX, XXXX  and TransUnion for more then 10 months. They never send me any results or status about my claims, they just delete the dispute accounts then later down the line re-add them causing my score to drop. In my last letter on XX/XX/20, I warned them I would consider a complaint due to the FCRA regulation regarding re-inserting deleted accounts. This was ignored.

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 2019-10-22
Company: Comerica
State: OR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I was XXXX from XX/XX/XXXX - XX/XX/XXXX. When I returned home and set up my online account for my US Direct Express debit Mastercard which received nearly {$15000.00} of back payment for social security XXXX payments ( XX/XX/XXXX - XX/XX/XXXX ), I discovered over 136 transactions for restaurants, utiltiies, court fees, legal services, car repairs, car loans, rent, cash withdrawals that were fraudulently made by the person checking my mail at my PO Box . I immediately confronted the person, who admitted to using my card without my permission and promised to pay me back. This was all of the money I have to survive on. 

When the suspect did not pay me back as agreed, I had to file a police report with the XXXX Police to dispute all of the charges. I also contacted all of large amount creditors who noted their file. 

On XX/XX/XXXX, US Direct Express unwarrantley denied my dispute and is further victimizing me by not accepting the dispute so that those unauthorized charges can be reversed. I have sent US Direct Express a demand for an explanation, and request to appeal that denial. And, further investigation has determined that a second suspect made unauthorized charges, and I have filed a new dispute for those charges. 

The amount stolen is approximately {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Better Mortgage, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have provided a brief summary below. See attached for a detailed timeline of events. 


In XXXX XXXX XXXX after having a purchase offer for a new home accepted, I began comparison shopping for mortgage lenders. On XX/XX/XXXX, after receiving a loan estimate from a loan officer at Better Mortgage, I informed the loan officer that I would be using Better Mortgage as my lender. For the next several weeks, Better Mortgage continuously stated that everything was going as planned, only to back out of the loan on the day that the loan closing disclosure documents needed to be provided in order to close the loan on time. Better Mortgage informed me that they were choosing not to fund the loan at this time because the closing date was more than 90 days before I was scheduled to start a new job. Throughout the process, I was honest and forthcoming with my employment situation and specifically explained it to a loan officer on XX/XX/XXXX. 


I was employed at Job 1 [ employer name withheld ] and living and working in XXXX XXXX   when I applied for the loan, but had accepted a job offer at Job 2 [  employer name withheld ] in XXXX when I applied for the mortgage. The start date for Job 2 is XX/XX/2019. The home we were purchasing is in XXXX. I was working at Job 1 at the scheduled close date and for several months afterward ( until at least XX/XX/XXXX ). There was no lapse in employment between Job 1 and Job 2. Each job pays a salary well in excess of what I needed to qualify for the mortgage. 


While it is obviously within Better Mortgages rights to reject an application, they chose to wait until the eleventh hour to inform me of their unwillingness to fund my mortgage. It is unclear whether this was due to intentional misrepresentation or gross incompetence. I believe that Better Mortgage may have been in violation of Title 12,  Section 1014.3 ( q ), which prohibits a lender from making a material misrepresentation concerning the consumer 's ability or likelihood to obtain any mortgage credit product or term On Sunday, XX/XX/XXXX, after it became clear that Better Mortgage would not fund the loan for several more weeks, I followed the advice of my realtor and began working with XXXX XXXX. The lending officer at XXXX sent me the closing disclosure documents for a XXXX XXXX-conforming mortgage on XX/XX/XXXX, while my start date for my new job was over 90 days away. There were no date restrictions on the disclosure document, and the loan closed on XX/XX/XXXX. When I chose to use XXXX XXXX, I was under a major time crunch because I did not want the sellers to back out of the sale. As a result, I was unable to comparison shop and was forced to accept a higher interest rate and higher closing costs.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Investment Retrievers, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the company XXXX tried to collect a debt that i never owed with then and the day opened was on XX/XX/2022 for a debt that was never owed and must be removed as soon as possible. been the second attend to remove this account with this company that never gave any response on the first attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I got contacted by mail XX/XX/2021 by XXXX XXXX XXXX that they were hired to get a default judgement against me because i owe an alledged debt to a company called synchrony or Paypal I'm confused at this point. so I did a debt validation letter both in my hand writing and a typed letter to get clarification from XXXX XXXX XXXX. I sent it on XX/XX/2021 via USPS certified mail with tracking. On XX/XX/XXXX i got a letter in the with NO copy of any type of signed contractual agreement terms and conditions Nothing, instead there was a weird copy of a billing statement that has an address to pay paypal. Again NO Signed agreement.

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 2020-12-07
Company: Kriya Capital, LLC
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:
On XX/XX/XXXX 2020, CREDENCE RESOURCE MANAGE add a derogatory marks on my credit reports per XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CREDENCE RESOURCE MANAGE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have been fighting to remove these accounts that have been open without my permission its been removed off of my XXXX and experian but still showing on my XXXX XXXX, the account is from Account Name XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} i also have a problem with my experian report which is simular to my problem with XXXX report, its shown a negative account thats not mine or on other reports i dont own this account either XXXX XXXX XXXX {$660.00} Credit limit {$500.00} {$0.00} Opened XX/XX/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 non-monetary relief