BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-18
Company: EQUIFAX, 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 recently disputed information on my credit reports due to upon pulling my report for business opportunity, I noticed inaccuracies in the form of a bankruptcy, wrong personal information, unauthorized inquiries and I addressed these issues with this company. I included letters I wrote to Court and XXXX which is where they stated they verified the bankruptcy and I included letters from these same entities stating they did NOT and do NOT verify this information resulting in XXXX deleting the item from their record. I am very distraught because their lack of cooperation is not only hurting my credibility and character but costing me business opportunities as well. I recently suffered the loss of my veteran husband and I am trying to stand on my own without unnecessary setbacks. I am including the letters I received from the court and XXXX, the same letters I included to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Due to the COVID-19 we contacted our Mortgage Company in  XX/XX/2020 to inquire on what options we may, or may not, have for future payments due to the uncertainty of what was to come with the COVID-19 pandemic. At that time they made us aware that our only option was a Forbearance Plan. Since that plan did not financially make sense to us we decided not to take advantage of this plan. We have not had one late, or missed, payment in the history of this loan. So here we are in XX/XX/2020 and we're trying to make a purchase that requires a Credit Check. At this point we've now been made aware that our credit scores, payment histories, etc. all look great, however there is a Forbearance Plan being held against our Credit and is now inhibiting the transaction. 

We immediately called XXXX on XX/XX/2020 to address this issue and asked for it to be removed. In a very generic conversation, they informed us that this request would be submitted in the next 24 hours, however it would not reflect on our credit scores until XX/XX/2020. We immediately asked for a letter from XXXX to use in the Interim stating that the Forbearance had been removed off the account and was in fact never used. The first 2 responses from that request were, " we don't have anything like that we can do ''. After a 3rd attempt, we were finally able to determine I had to send the request for this letter to " XXXX ''. I've sent 2 emails ( XX/XX/2020 and XX/XX/2020 ) expressing the time sensitive urgency in receiving this letter and I'm not getting anything back except for an automated response " acknowledging '' the email I sent. 

We did NOT approve the Forbearance Plan for our Loan. We did NOT utilize the Forbearance Plan on our loan. So now due to XXXX Bait and Switch tactics based off our proactive inquiry in XX/XX/2020, when the COVID-19 pandemic started hitting hard, this has now affected our ability to move forward with a very important additional purchase that requires a credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Ally Bank, was the bank I have my XXXX XXXX Financed, and was paid off on XX/XX/2015, has never being report to by credit on any of the bureaus, and I need this to be reported for me to be able to qualify for a house loan

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 2018-09-14
Company: EQUIFAX, 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 had a loan for a XXXX XXXX that was financed by XXXX XXXX XXXX XXXX it was opened on XX/XX/XXXX and was closed due to it being totaled on XX/XX/XXXX due to a serious car accident. XXXX XXXX was made aware of the car being total and provided all information related to the insurance payoff that would be made to them due to their lien on the vehicle. The insurance company sent me a certified letter showing that they had paid the XXXX XXXX - however, XXXX XXXX shows that I was past due on the account which is untrue and false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I sent a user on Cashapp {$200.00} for an item that she was supposed to ship to me. We agreed that I would pay half first and the rest when received the item. The username on that persons Cashapp was $ XXXX and the name she had given me was XXXX. I got an email saying XXXX had accepted the money, so I send her a text asking about the shipment of the item, to which I soon find out that she never intended to ship anything. I try reaching out to her asking for my money back since she did not or can not ship the item and she tells me she will send the money back soon. I wait a couple of hours and try reaching back out to her asking if she's had the chance to send my money back and I get no response. I go to the app Cashapp and ask for a refund from her through there, but she declined the request. I try sending her a text again asking what happened, why she hasn't sent me my money back, but again, no response. I reached out to Cashapp, explaining what happened and to see if I could do anything to get my money back, but they replied back to me saying there was really nothing they could do. On my XXXX  XXXX XXXX XXXX the transaction was still pending, so I also tried reaching out to my bank. When I called my bank they told me I had to wait for the transaction to be finalized before I could do anything about it. Once the transaction was completed, I call my bank again, and explain the situation to whoever I was on the phone with from customer support. Sadly, my bank also said there was nothing they could do. I had contacted both Cashapp and XXXX XXXX XXXX, and was told neither of them could do anything. I started researching if there was another way to get my money back. As I was doing so, I noticed on my Cashapp account that the card that is saved on the app is one of my old bank cards that should not be working anymore. I tried sending a family member a smaller amount of money to see if it would go through and it didn't. Cashapp asked me to update my card information before continuing. So now my problem is why Cashapp didn't ask me to update my card information when I was sending a much bigger amount, {$200.00}, to be exact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: PLAZA HOME MORTGAGE, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan servicer has failed to pay the city taxes on my home, which were due XX/XX/XXXX. I contacted the company through several phone calls, 3 emails, and 3 secure messages to fix the issue starting XX/XX/XXXX. I supplied the company with my loan documents from closing, city, and tax-delinquent statements through the company 's approved email address of XXXX. The issue has not been resolved to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: EQUIFAX, 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:
Company continues report inaccurate information on my report as well as use stall tactics, This company have requested identification information on 3 separate occassions and I have complied with each request and yet they ask for the same info again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Atlanta Check Cashers, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
Company refused to cash stimulus check because it was signed.

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 2018-10-18
Company: Convergent Resources, Inc.
State: MS
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:
On XX/XX/2018 and XX/XX/2018, I have requested proper validation from Convergent Outsourcing stating I wanted some type of contract between myself and the debt collector stating that I am legally liable for this debt and they have the legal right to collect from me. I haven't received any type of documentation from this debt collector. It has been long past the 30 day period this debt collector has to funish such information.

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 2021-04-08
Company: EQUIFAX, INC.
State: IL
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. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts. 

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 2021-08-10
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
" FINANCIAL CREDIT NETWORK '' HAS FAILED TO RESPOND TO MY DEBT VALIDATION REQUEST THAT I MAILED ON ON XX/XX/10. IT HAS SURPASSED 30 DAYS WITHOUT ANY WRITTEN RESPONSE. I HAVE ATTACHED A COPY OF THE DEBT VALIDATION FORM I PHYSCIALLY MAILED. FINANCIAL CREDIT NETWORK IS IN VIOLATION OF THE FCRA. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY FROM MY CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital one Bank states that i have 3 30 days past due accounts. I do not have any late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been disputing with XXXX, Experian, about credit alerts on my credit report. I do understand that they are protecting me as a consumer but this is ridiculous. I am unable to obtain a Mortgage Loan because XXXX does not remove the credit security alert on my file, which I originally filed to put in when there was a breach of credit in 2017 with XXXX and another company which name I can't recall. I have faxed them, email them, US postal service and only XXXX had it removed. 

I have several disputes that do not belong to me which have been reported but continue to appear in my credit report. I am a member of Experian and have contacted them on several occasions but the representatives have hung up twice on me and I am at the point of pulling my hairs out! 

This is unacceptable and unprofessional. I have sent them my California Drivers License a copy of my Social Security, a current bill of my present address, tax verification all that they have requested and the problems still remain there. I have verified my identity over 15 times and they still do not proceed to assist me. If I was an Identity Thief I would not contact your office nor continue to battle with none of the consumer credit reporting agencies. Please help. I have documentation that I have sent XXXX, Experian, and 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
Consumer complaint received 2021-05-06
Company: Experian Information Solutions Inc.
State: FL
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:
I have a joint account with a family member who signed for me with XXXX XXXX XXXX XXXX they kept taking more money out of my account monthly and I purposely had them get my car back because the car was junk ... .they kept charging me for a car I didn't have and have not hear from them in years now that I'm trying to get my credit fixed with XXXX XXXX now they come back putting negative comments on my credit report alot of times The credit repair people got them off the report but they came back and redid the negative so now it's still their. They are abusive and determine to ruin me and it's causing me mental breakdowns it's a nightmare with that company ... they unauthorized charges and it's different charges which is a descrepency and if that is it's gains the fair credit act and it's illegal please help me with this monster of a company

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 2018-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Received a form letter from Bank of America that they have decided to stop doing business with my wife and myself. Said that they would not give an explanation as to why and would not help re - routing money and direct deposit checks. Never over drew and always kept required balances for over three years. I think this is bad business from an institution that has had a terrible name since the XX/XX/2008 banking crisis. 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 2018-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
Charged off account was paid in full in on XX/XX/2016. Asked for the account to be removed from all 3 credit bureaus since there is no other debt owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2018 my bill did not go through BANK OF AMERICA - account with 1 missed payment. I am kindly requesting BANK OF AMERICA to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2018-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
No Contract with creditor. 
Refused to validate the debt per Federal law requirements Would not provide a forensic analysis as requested to prove account balance

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 2019-04-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: LA
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:
I have no knowledge of the following inquiry : Onemain XX/XX/2018 Please investigate to ensure there is no fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One Bank has two 30 day past due for the XX/XX/XXXX and XX/XX/XXXX. I have not been past few on these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
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: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : 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
Consumer complaint received 2018-03-22
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
Want to dispute account need full validation that's on credit reports by XXXX XXXX XXXX   Date : XX/XX/2018 Amount {$1000.00} Date is incorrect Company continually adding to report and contacting from a 3rd party agency Need full validation of account being accurate

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 2018-03-22
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX. company suddenly appeared on my credit report out of nowhere. Supposedly it is from a " debt '' from XX/XX/XXXX. This is absolutely false. I did not have this collection agency on my report in the past. It just recently appeared in the last few months. I know for a fact that this is not my " debt '' because I have been able to open an auto credit account with XXXX  in XX/XX/XXXX and paid for and they would have never approved me if this " debt '' was on my report. I am a recent college graduate and I currently need to relocate due to my job and have been trying to find an apartment to rent yet I have had issues trying to get approved because this supposed collection is showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
Back in XXXX  I've requested to have a freeze on my personal report. And I'm asked to submit identification. I have submitted proof of the wrong spelling of my name also fraud on my personal report by the name ( XXXX XXXX XXXX ) which is not my name. The spelling of my name is wrong associated along with the wrong addresses. I submitted my Identity Theft Affidavit from the IRS. with correct spell of my name XXXX XXXX XXXX I request that Lexis Nexis freeze my personal information and remove all inaccurate addresses associated with the wrong names as well as they are reporting this information to all three credit bureaus. If their findings are accurate please provide proof of a certified documentation.

Company response to consumer: Closed with non-monetary relief