BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Pulled up my credit report and seen there are some accounts that are fradulent and do not belong to me. I'm in the middle of purchasing a home and this is holding up the process and need the fraudulent accounts removed from all credit bureaus. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, -XX/XX/XXXX # XXXX, -POSSIBLE FINANCIAL # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
In XX/XX/2018, there were 6 inquiries on my credit report. These were all within the span of 2 weeks for one auto loan. Before approving the inquiries I did research on how such actions would affect my credit report. I was assured by TransUnion that inquiries within a set amount of time would be considered one inquiry, provided that they were for the same loan. Instead of 1 inquiry, 6 appeared on my credit report. I was told that the inquiries might show up as 1 after my credit score was updated again, so I waited. Finally, I called TransUnion to ask why there were still 6 inquiries. The representative said that they should be considered 1 inquiry, but that to change their mistake I would need to send a letter explaining the issue as well as proof that the inquiries were for the same loan. 

I did not send proof and a letter, as I believe that this places undue burden on me for their mistake. I let the matter go since I know that inquiries only stay on credit reports for about two years, however my credit score has  just dropped significantly and I am worried that I will not be able to get a lease.

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 2019-03-17
Company: LendingPoint Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
There are a couple of things that I have concerns with regarding Lending Point. 

Called my cell and developed right party contact and then called back with my employer number as caller ID Called my work phone with my employer caller ID Added over a {$300.00} dollar late payment on account, no statement available online Can't make a partial payment online Can't change when you want funds withdrawn online ( just day setting up payment ). 
No access to the loan agreement online

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Experian Information Solutions 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX  XXXX  ( Original Creditor : 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 2019-06-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I bought two suits from Macys.com on XX/XX/XXXX, and XX/XX/XXXX, respectively. I picked up both suits on XX/XX/XXXX, and returned one due to it being the incorrect size. This caused a credit of {$150.00} on my account, the original charge for one of the suits. 

I opted to have Macy 's alter my suit to provide a better fit. They charged {$58.00} for this. A week later I picked up the suit and fully wore it. The quality of the suit is not to the standard for the company who makes the suit. I went back to the Macy 's store, and was told that I could not return it due to it being altered. I let the sales rep know that I'm returning it due to the material and quality of the suit. They stated that their policy would not allow them to return the suit. 

I initiated a dispute with the credit company which I used for payment, the Macy 's store card. Twice I received a letter in the mail saying that I was already refunded the money. This is incorrect. I was refunded the original suit that I purchased and returned, not the current suit that was altered and had the substandard quality that I expect from the company. 

I called Macy 's Credit Card line on XX/XX/XXXX. I explained my situation. At first they did not understand what I was referring to, since in the statement in says that I received a refund for a suit. They did not understand that I had purchased two suits, and one suit was already returned, and that I was making a dispute on the other one. 

The credit supervisor let me know that unfortunately due to store policy they could do a refund. I then stated this was the point of the dispute, that I was disputing the charge due to the substandard quality of the suit. She then stated I would have to take it up with the manufacturer. I asked her how would this be done, given that I purchased it from them, and I could not just ring up the manufacturer to tell them about the substandard quality their suit had. She did not have a response.

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 2019-05-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian credit score on the Experian website is XXXX but is showing 480 or lower on other credit score websites. This is unacceptable!

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 2021-03-12
Company: Shellpoint Partners, LLC
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I filed a complaint XXXX with cfpb against Shellpoint Mortgage Servicing. They did respond and asked me to call XXXX XXXX at XXXX with any questions. I called 3 times and left 3 messages also there was no Email provided by them. They never responded.

I only have 3 questions to ask them. 

Do they have transcripts of the phone conversations made in their response? We requested that during these calls be recorded. Can they provide us with these transcripts. 

Did they ever commutate with us about confirming our home address during this time period? All their correspondence was delivered to the wrong address past the forwarding period by the USPS. 

Why was their law firm able to deliver al our summonses about the foreclosure to the correct address?. 

These actions on the follow-up of this complaint is typical of all our communication with Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 filed a dispute regarding the inaccurate bankruptcy records on my credit report. XXXX responded with a letter confirming they were unable to complete the reinvestigation within the required timeframe and as a result deleted bankruptcy XXXX. The original dispute involved both bankruptcies listed on my credit report and both should have been removed. My case was withdrawn and I did not go to court. I have submitted proof previously. Please reference the following FCRA requirement : ( d ) Information Required to be Disclosed ( 1 ) Title 11 information. Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11, United States Code, shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11, United States Code, is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal. 

In accordance with your failure to complete the reinvestigation in the required timeframe both bankruptcies should be removed.

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 2018-08-21
Company: Experian Information Solutions Inc.
State: NM
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 servicing company for XXXX is listed twice on credit report for same account and refuse to update it. They told me to talk to XXXX. I have filed complaints with credit bureau to no avail.

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 2018-08-21
Company: EQUIFAX, INC.
State: NM
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 servicing company for XXXX is listed twice on credit report for same account and refuse to update it. They told me to talk to XXXX. I have filed complaints with credit bureau to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collections on my report from IC SYSTEMS. This collection has been paid in full and IC SYSTEMS SAID they would contact the bureaus XXXX and XXXX and have it deleted. It has not been deleted. I know it does not take 30-60 days to submit this request. Because it didnt take that long to put it on my report. I want this remove immediately. It is messing up my credit file.

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 2019-05-21
Company: Experian Information Solutions Inc.
State: NV
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:
Please reverse the late payments reported on 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
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 Attorney General of XXXX  I, XXXX XXXX XXXX consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX Account Number : XXXX XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

2. Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
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: Information belongs to someone else

Complaint:
In XX/XX/2013 I was notified that my social security number, drivers license and credit card information was compromised in a data breach. I notified the police and followed the security suggestion. I pulled my credit report a few weeks ago only to find out their are accounts on my credit report that does not belong to 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 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Please reverse the late payments reported on 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 2019-05-21
Company: Experian Information Solutions Inc.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account RECEIVABLE ( ORIGINAL CREDITOR : 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 2019-06-12
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX I received a letter from my employer stating my wages were being garnished from XXXX XXXX XXXX, I've had no prior notice of this action or account i called and spoke with XXXX XXXX who told me this was a debt from a XXXX XXXX cell phone account in XX/XX/XXXX. i asked him what i could do i don't remember owing a cell phone company XXXX XXXX any money. The total amount due that is being garnished out my wage is XXXX. I never was properly served or gave a chance to contest this account, I did not have any knowledge of court hearings or dates to be present so I can represent my self.

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 2019-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I attempted a number of times today to leave feedback on your website regarding my previously filed CFBP complaint XXXX submitted on XX/XX/2019 and closed by CFPB on XXXX/XXXX/2019. I was unable to leave feedback so I have initiated a new complaint to piggyback onto the original complaint filed in the hope that the CFPB may take further action regarding this matter as I do not deem the original complaint issues to be fully resolved at this time. I have attached a copy of the correspondence ( three pieces ) that were forwarded to Capital One today XXXX/XXXX/2019 outlining the remaining ongoing issue from the original complaint filed on XXXX XXXX, 2019, and not yet resolved. I believe my XXXX XXXX, 2019 attached correspondence to Capital One clearly outlines the remaining issue in this complaint ; and from my standpoint it is a very important issue considering that it clearly contradicts my assertion that I did not authorized nor place the 8 disputed credit card charges, contradicts the clear notification of error email from XXXX received recently, and basically skirts the principal issue of integrity in this case. I am not pleased with how Capital One has handled this matter from start to finish either from the investigative end or from the customer relations end. I am considering further options, including hopefully this complaint through CFPB. Thank you for your continued assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: EQUIFAX, INC.
State: ME
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:
XXXX XXXX XXXX either has not yet reported that we has paid a settlement or the credit burrows have not yet received the information. The management company for them is XXXX XXXX XXXX, I have a cashiers check receipt through XXXX XXXX XXXXXXXX for {$1000.00}. The check # is XXXX the date is XX/XX/21 @ XXXX XXXX I dropped it off to the XXXX that afternoon about XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on this home on XX/XX/2019. The mortgage originator was XXXX. I had agreed and they had agreed that I would be sending weekly payments. Shortly after and just before my first payment was due they sold the loan to a company named Amerihome. Amira home claims that they either gave them the wrong address to send paperwork to or they sent it to one of my old addresses they are not telling me which one but they dont except weekly payments several weeks ago by before I found this out because they sent a document to yet another address I had but not the one that they had the mortgage loan because theyre plain XXXX   of course and it has been a freaking nightmare getting all of this sorted out ever cents and it is still not sorted out. I was told the only way to get away from them is to refinance if I do that I am going to be filing a lawsuit against the company and theyre going to be paying way more than the closing costs are even offered for them to buy this whole place out for what I have in it and they can sell it to whoever before they get their XXXX sued I dont wish to harm attorney but if I have to I will this is the worst treatment of the mortgage that Ive ever seen in my entire life I was ahead of the game and they were sending me checks back in different forms one through my bank and one paper check theyre not even consistent with that and then when you call on the phone you cant get any answers. Im done trying to get it sorted, I need some sort of intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2018 I received a voice message from debt collector but on my phone their said case has been filed in XXXX County and other phone call to my wife and ex-wife both received calls over child custody case has been filed in XXXX County and to reference this case number when calling. I called number on XX/XX/2018 at XXXX in the XXXX. The person pickup and says my file has been locked and they needed information to unlock it and then proceed to say I owe Ace Cash Express I need to pay before they filed but on voice message they made threats and that person who called yesterday making the threats they did not know who they were I need to take care of this matter. The number called my cell unknown and the number on voice message was ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
my credit limit was decreased from XXXX to XXXX dollars on my account without proper notice, however ive never missed a payment and have only had 1 late payment throughout my account history

Company response to consumer: Closed with explanation