BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-13
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the creditor verified the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.

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 2019-08-27
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Verification letter was sent on XX/XX/XXXX and the collector did not respond.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid 6 months of payments. ( XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ) I paid them online using their website. My payment is {$1700.00} and I always pay an even {$2000.00}, which includes additional principal of {$240.00}. However, the bank has decided to use my XXXX payment strictly as a principal payment and my payment for XXXX is still due. I don't want that and I never asked for that or filled out any papers requesting that. I made 6 {$2000.00} payments, all to be used as my actual payment. I have called twice already. The first time I called was XX/XX/XXXX. I even received 2 letters from them and the second one says they corrected the situation. I waited until the XXXX to call back. I spoke to XXXX XXXX, XXXX. She said she would correct the problem and give it up to XXXX hours. It is now the XXXX and the bank still shows my XXXX payment as a principal payment. Mr Cooper Mortgage XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: POPULAR BANK
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to refinance my mortgage from Popular Community Bank to XXXX. We initiated the process of title clearance with Popular bank on XX/XX/XXXX. As per their process, it takes 4-6 weeks. Today is XX/XX/XXXX, two months from the date and they have yet to provide any documentation to XXXX XXXX lawyers so that I can move forward with my refinance. I paid XXXX dollars with a certified check to have this service performed.

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 2023-05-27
Company: Experian Information Solutions Inc.
State: AR
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 submitting my complain and this was my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. The following items are fraudulent that needs to be removed : XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$12000.00} ; XXXX  XXXX Bankruptcy Date XXXX ; XXXX/XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX  XXXX Balance Owed : {$12000.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date XXXX XXXX ; XXXX/XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$900.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$12000.00} ; XXXX  XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  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 non-monetary relief
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: VA
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 recently found out my information was impacted by the Equifax data breach and now more than ever I feel my information has fallen into the wrong hands. I research the proper way to dispute these inaccurate and misleading items and now over 45 days I received no response. I feel like Im on a hamster wheel going around in circles regarding these inaccurate items. I also researched it is against the law to continue to report inaccuracies especially when they have not been validated. Please assist in removing these items immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
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: Account status incorrect

Complaint:
Company advised minimums were reset during a family tradgedy additionally they were reported for sales and billing tactics that resulted in correction I was advised allow 30 days for correction to my CRAs I have been a model customer for years without issue and I did not start now

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 2023-04-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account XXXX XXXX The account number is wrong showing XXXX the account is unknown the account was open the. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
portfolio recovery associates keeps calling me in regards to a fraudulant account. I sent them a certified letter stating that this account does not belong to me and that I have no account or contract with them. they threatening to take monies out of my bank account. they went into my credit file and got my banking account number and threatening me that they would deduct monies from my account. this is surely against the FCRA laws. I sent the credit bureaus certified letters as well, telling them these fraudulant accounts do not belong to me and they said that these accounts were verified and i ask them to send me proof and they did not send me anything. they are going by some collection company who purchase these fraudulant accounts from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Problem getting your free annual credit report

Complaint:
TransUnion XXXX. XXXX XXXX XXXX, PA XXXX I have attempted 3 times to have my annual credit report mailed to me from TransUnion and they keep refusing to send it. 

My first attempt on XX/XX/XXXX, I wrote them asking for my credit report. I sent a copy of my valid Driver 's License with correct address and a copy of my Social Security Card along with my request. They wrote back with a letter dated XX/XX/XXXX stating they could not send me my report due to my mailing address not being listed in their records and that I must send proper documentation in another request to receive my credit report. 

My second attempt on XX/XX/XXXX, I wrote them asking for my credit report sending them the documentation they requested to receive my report. I sent them a copy of my valid Driver 's license with correct address, a recent utility bill ( less than 2 months old ) with my name/correct address, and a copy of my social security card along with my request. They wrote back with the exact same letter dated XX/XX/XXXX stating they could not send me my report due to my mailing address not being listed in their records and that I must send proper documentation in another request to receive my credit report. This made no sense to me as I sent them the documentation that they requested verifying my mailing address. 

My third attempt on XX/XX/XXXX, I wrote them asking for my credit report sending them the documentation they requested to receive my report ( this time circling the items on the request document that met the requirements they were asking for ). I sent them a copy of my valid Driver 's license with correct address, a recent utility bill ( less than 2 months old ) with my name/correct address, and a copy of my social security card along with my request. They wrote back with a new letter dated XX/XX/XXXX stating that one or more of the documents provided was illegible. 

I disagree that any of the documentation that I sent was illegible. They keep refusing to send me my credit report that is my right to ask for once a year and that they are required to send per the Fair Credit Reporting Act ( FCRA ). They are breaking the law and being unnecessarily meticulous.

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 2020-11-30
Company: Square Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had XXXX in my cash app. I then addedXXXX dollars for XXXX total. When I swiped my card at XXXX 3 minutes later it was declined and the XXXX then deducted to XXXX left. 
Cash app stole stole XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 am a victim of identity theft and XXXX and XXXX 's data breach, and was not notified by XXXX and XXXX 's of data breach breach and discovered on my own. I reached out to XXXX and XXXX several time including via certified mail and never received a response back. The damages due to this serious action has left me vulnerably exposed to dangerous predictors and has caused me a extreme financial hardship due to my information that was compromised and used for open credit accounts, telecommunication services and fraudulently used to claim and report government benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX & # XXXX XXXX XXXX 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 consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: PA
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: Problem getting your free annual credit report

Complaint:
I called to get a copy of my free annual credit report from the three nationwide consumer credit reporting companies using the number XXXX. I only received a copy from XXXX. Equifax and XXXX fail to send me a copy of my consumer report. Pursuant to 15 USC 1681g ( a ) I XXXX XXXX the consumer in this matter is entitled to a copy of my consumer report from all three nationwide consumer credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: AMERICAN EXPRESS COMPANY
State: OH
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 am a victim of identity theft and XXXX and XXXX 's data breach, and was not notified by XXXX and XXXX 's of data breach breach and discovered on my own. I reached out to XXXX and XXXX several time including via certified mail and never received a response back. The damages due to this serious action has left me vulnerably exposed to dangerous predictors and has caused me a extreme financial hardship due to my information that was compromised and used for open credit accounts, telecommunication services and fraudulently used to claim and report government benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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: Account information incorrect

Complaint:
The information they are submitting is wrong XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX - {$350.00} this information is inaccurate - contacted office reporting wrong information XXXX XXXX $ XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX- this information is inaccurate - contacted office reporting wrong information XXXX - XX/XX/XXXX, XX/XX/XXXX {$1400.00} -this information is inaccurate - contacted office reporting wrong information XXXX - {$18000.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - information is incorrect - contacted office reporting wrong XXXX XXXX XXXXXXXX XXXX {$3000.00} XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - information incorrect - contacted office reporting wrong

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 2019-04-29
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:
Hello, I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With TransUnion : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.

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 2019-11-05
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:
I submitted to Trans Union information showing that I have been an identity theft victim, pursuant to Section 605 ( B ) of the Fair Credit Reporting Act. According to that Section, Trans Union is required to block the incorrect information within four ( 4 ) days of receiving my dispute, unless Tran Union provides me with specificity from the Section a legal reason why the information is not blocked within the allotted time. Instead of following the law, Trans Union deliberately chose not to block the information and allows it to continue to be viewed by potential creditors who have requested my credit file. The information, including fake names, fraudulent accounts, wrong addresses, unauthorized inquiries requested to be blocked under the Section are  attached hereto. Specifically, I requested that Trans Union use my correct, legal, and only name XXXX XXXX ; my address as XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, Florida XXXX ; my former Address XXXX XXXX XXXX XXXX, XXXX, Florida XXXX ; my current employer XXXX XXXX, and NO former employer.

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 2017-12-13
Company: NAM National Arbitration and Mediation
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter XXXX XXXX, 2017 regarding intention to file a lawsuit about a payday loan debt that I have no knowledge of and do not owe. I disregarded the letter because it appeared to be a scam. There was a company but no signatures or any legal information or debt verification. I did however contact the company by phone and asked for specifics. I was not given any information and the individual was rude and very threatening about suing me if I didnt pay {$510.00} out of {$900.00} they said was owed. I was contacted again by text XX/XX/2017 stating legal documents were to be served and I needed to get in touch with them. When I contacted the number to let them know they had inaccurate information the person on the phone was very rude and would not provide anyone I could talk to above them. I do not know whatever this debt is. I have been a victim of identity theft in the past and I have evidence and report number. I do not want this company to harass me any longer

Company response to consumer: Untimely response
Consumer complaint received 2023-05-20
Company: MoneyLion Inc.
State: WA
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:
On the morning of XX/XX/XXXX my account was hacked and within 5 minutes I had not even a dollar left. There were numerous transactions mainly from myntra and radiant both companies in XXXX in which I never even heard of. While I was on the phone with the customer service rep for moneylion I was receiving several notifications for declined transactions from the same businesses who fraudulently took money from my account. I had to wait until XX/XX/XXXX for the fraudulent transactions to post. So I filed my dispute. I got a response Tuesday XX/XX/XXXX stating that the investigation is completed and that no error occurred. They sided with the hackers. I am XXXX and homeless receiving XXXX once a month. Why would I spend all of my money on businesses in another country and I have never even heard of? I use my XXXX to pay for a motel room and now I have no money until next month when I receive my XXXX. I didn't receive a provisional credit or anything.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery has been calling my phone number since I got the phone number, before I actually plugged a phone in. They call at all hours of the day numerous times. I have repeatedly informed them that they have a wrong number and they refuse to stop calling me.

Company response to consumer: Closed with non-monetary relief