BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-31
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: Old information reappears or never goes away

Complaint:
THERE ARE 8 LINES ON MY CREDIT REPORT UNDER US DEPARTMENT OF EDUCATION THAT TRANSFERRED TO DEPARTMENT OF EDUCATION XXXX. XX/XX/2012 $ XXXX. THESE 8 LINES HAVE {$0.00} BALANCE ON MY CREDIT REPORT BUT UNDER THE " SCHEDULED PAYMENT AMOUNT THERE IS " {$20.00}, {$6.00}, {$41.00}, {$23.00}, {$85.00}, {$88.00}, {$36.00}, {$36.00}. TOTAL {$330.00}. TERMS OF FREQUENCY SAYS " DEFERRED ''. THE LOANS WERE TRANSFERRED TO XXXX. IT SHOULD NOT SAY DEFERRED. THIS {$330.00} AMOUNT IS AFFECTING MY DEBT TO INCOME RATIO AND STOPPING MY HOME LOAN APPLICATION FROM GOING THROUGH. I HAVE ASKED EQUIFAX TO CORRECT THE REPORTING. THEY CLAIM THE DEBT TO INCOME IS NOT ON MY CREDIT REPORT AND SENT ME MY CREDIT REPORT WITH THE AMOUNTS LISTED ABOVE ON THE REPORT THEY MAILED ME. I HAVE ASKED THE DEPARTMENT OF EDUCATION AND DEPT OF ED XXXX TO CORRECT MY CREDIT REPORT AND SEND ME A LETTER STATING THE 8 LOANS WERE TRANSFERRED FROM " U.S DEPT OF ED '' TO " DEPT OF ED XXXX '' ON XX/XX/2012 NOT ONE OF THE 3 COMPANIES WILL CORRECT THIS ERROR. THE DEPARTMENT OF ED AND XXXX PUSH ME OFF TO THE OTHER COMPANY TO CORRECT AND EXQUIFAX DENIES THERE IS A PROBLEM. PLEASE HELP ME GET THIS RESOLVED. I DO HAVE {$57000.00} PLUS INTEREST IN LOANS THAT ARE DEFERRED UNDER DEPT OF ED XXXX. THAT IS ALL I OWE OUTSIDE OF A {$450.00} PERKINS LOAN. THE {$57000.00} IS COUNTING AGAINST MY DEBT TO INCOME RATIO. PLUS THE TRANSFERRED LOANS HAVE ADDITIONAL $ XXXX WORTH OF MONTHLY PAYMENTS TOTALING {$330.00} BEING LISTED AGAIN AND COUNTED IN MY DEBT TO INCOME RATIO ON MY CREDIT REPORT ALSO. PLEASE HAVE THE US DEPARTMENT OF EDUCATION 8 LINES CLEARED OF A MONTHLY PAYMENT AMOUNT AND REMOVE THE " DEFERRED '' STATUS. I CAN ONLY ASSUME IT SHOULD SHOW AS TRANSFERRED. THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: TN
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 interested in processing disputes on my credit report with Experian that are hurting my file that needs to be removed asap. please review the data that is inaccurate on my credit report to help clear my 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 2020-06-02
Company: CITIBANK, N.A.
State: NY
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:
On XX/XX/XXXX and XX/XX/XXXX, my wifes credit was stolen from our home. The perpetrator used our card at local stores and spent almost {$1000.00}. We reported the fraudulent activity to Citibank/Citi Cards. Weve reported it to Citi on at least 5 occasions. They are claiming that the fraud charges were not coded properly. The fraudulent charges have been reposted to our account and Citi is now claiming it may take up to 90 days to investigate. I have no idea why we are not being credited with the fraudulent funds. Again the charges initially we reversed and then suddenly they were reposted.

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 monetary relief
Consumer complaint received 2019-05-31
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Myself and several family members received calls about this debt from XXXX on behalf of Cash Central stating they Order of vocation {$1000.00} court cost legal fees XXXX XXXX Threatening to sue me and take me to court and I requested to have a cease and desist for contacting family members and they would not accept it and they continued to threaten and harass me and family numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: UT
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 need my case reviewed. Everything is explained in the documents that I attached.

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 2023-05-16
Company: WELLS FARGO & COMPANY
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:
I filed a complaint previously but it was closed for duplicate complaint, but I only filed one complaint. 

On XX/XX/XXXX I sent certified mail to XXXX, XXXX, and XXXX to dispute a facetious account on my credit report due to it not being in my name. I sent copies of my social security card, passport card, passport, and birth certificate as verification and the account still remains on my report after the dispute was closed by the respective companies. The account in particular has a suffix on it, and I do not have a suffix in my name. The account has an address I have never resided at as well. These are violations of the FCRA, my personal information, and it is impeding my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX Robo-Caller used by XXXX XXXX   XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by XXXX XXXX XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by XXXX XXXX XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by XXXX XXXX   XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by XXXX XXXX XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by XXXX XXXX   XX/XX/2018 XXXX XXXX  XXXX Robo-Caller used by XXXX XXXX XX/XX/2018 XXXX XXXX  XXXX Robo-Caller used by XXXX XXXX XX/XX/2018 XXXX XXXX XXXXXXXX Robo-Caller used by XXXX XXXX  XX/XX/2018 XXXX XXXX These are the ones that I didn't delete. They call several times per week with no one on the other end most of the time and no message. Prior to this, they have called members of my family and they have also threatened that they were sending a process server with the authorities. They use bullying and harassment tactics. The give personal information to family members that are not authorized to have it. They are breaking the law. 

XXXX XXXX has been hounding and threatening me constantly for years. They need to be stopped and I want the old debts that they are chasing off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: SYNCHRONY FINANCIAL
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX is trying to collect a debt for PayPal Credit that is disputed because PayPal Credit has done to me what they did to other consumers ( Something CFPB knows about since they filed a lawsuit in XX/XX/2015 and received {>= $1,000,000} from PayPal Credit ).

The debt is in dispute and is not substantiated by anything other than PayPal 's  dubious word ( again we know it is dubious because the XXXX CFPB filed a suit against PayPal Credit in XX/XX/2015 and received {>= $1,000,000} from them ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: FIDELIS RECOVERY MANAGEMENT, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company Fidelis Recovery Management keeps calling me at XXXX-XXXX-XXXX   and XXXX-XXXX-XXXX looking for a family member, XXXX XXXX XXXX, who does not reside in the home and whose phone number is neither of those listed and that I do not have any contact information to provide I have told this company several times when they have called that this is not the person 's number whom they are looking for and to please stop calling both numbers listed above to no avail. The calls keep coming in regularly and I want them to stop calling for someone whose correct contact information they already have, they just can not get a hold of this person obviously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've FULLY PAID an account off of my credit with XXXX XXXX XXXX and they have yet to have their credit line from my credit profile and I've called them and disputed several times. It needs to be removed form credit ; as I've already paid the money that I owe in full

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 2021-11-28
Company: Medical Data Systems, 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: Information belongs to someone else

Complaint:
On XX/XX/2020, XXXX XXXX XXXX XXXX owed does not belong to me. The Medial Day Systems company failed to disclose validation of account. Disputes have been made to all credit reporting agencies. XXXX removed the account, but XXXX and XXXX failed to remove the account after disputing that account does not belong to me. These agencies also did not provide any information regarding their findings. XXXX and XXXX did not provide any documentation and failed to remove these accounts off of my credit report in the timeframe of the federal law. According to the FCRA, this company and credit bureaus have violated my rights as a consumer.

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 2023-02-28
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the listed accounts below : Account name : 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 2022-07-19
Company: EQUIFAX, INC.
State: MO
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:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX Balance : {$100.00} ; XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$87.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
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: Their investigation did not fix an error on your report

Complaint:
There is two hard inquiries on my credit report that should no be there I have no knowledge of these application please take them off. 

XXXX card XX/XX/XXXX XXXX card 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 2023-05-16
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:
Several inquires on my TransUnion credit report for auto loans. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2019-04-04
Company: EQUIFAX, INC.
State: TN
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:
Multiple issues with Equifax. Most recent is regarding two items reported as derogatory by XXXX XXXX XXXX where the creditor has refused via phone to validate the debt in writing and also has not responded to the written request to validate the debts within the required time frame of 30 days per the Fair Credit Reporting Act. I was advised by the Equifax rep that I would have to file a complaint with the police first for them to acknowledge these claims, Even though I provided Equifax with supporting documents that validation of the debts was requested. ( As I also reported to CFPB previously ). This was a surprising request and not one required by the other two agencies. I did attempt to file a complaint with my local police but was advised the request by Equifax was unusual in that the federal government had specific guidelines that had to be followed regarding the validation of debts and if this creditor could not prove that had been done timely then that should be all that was needed. Also, that this was a civil matter and not criminal. 
Also, every time I have opened a dispute with Equifax, my credit score is reduced. For example, I had XXXX student loans that were being reported as duplicates and when the dispute was opened on each loan, there was an immediate reduction of XXXX points per loan and my credit score was reduced by a total of XXXX points. It appears that Equifax is penalizing for opening a dispute. 
Please assist in these matters. Is it common to require a police report when a debt collector dies not validate debt in the time frames required by the federal government? And is Equifax supposed to be reducing a credit score when a dispute is opened?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: GA
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:
XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 explanation
Consumer complaint received 2021-03-26
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have called the mortgage company several times and am not receiving any response to my questions. I have submitted all the documentation they have requested to process an application for a loan modification and the mortgage and they have rejected the documents I have submitted. 
When I call I am on hold for excessive hold times and then I am disconnected.

I have asked to speak to the escalation department am told they are not available and they will call back. I never receive a call back.

I have been give the names of my " Loan Specialist '' and she does not return my calls.

I was given the name of another escalation specialist and have called and left several messages and never receive a call back.

They are not helping me finalize the application, so, that I can resume my mortgage payments and make a plan for the past due balance owed due financial hardship impacted by the pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2018-11-16
Company: MoneyLion Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/XXXX-opened a " checking '' account with XXXX XXXX it is advertised as a checking account XX/XX/XXXX-fund account 1200.00 - my merchant banking deposits from processing my business credit card is connected to this account.

XX/XX/XXXX-i contact XXXX XXXX to ask where my debit card for my account is they say it would arrive within the next couple days XX/XX/XXXX-still no card and im now being told that it will be another 14-18 days for it to arrive ive also been told that this account is not a checking account as it was advertised online i can not order checks to this account. it is just a debit card. that is not what i signed up for or agreed to " free checking '' because of app problems i can not link another external account to withdraw my money. i have also contact XXXX XXXX XXXX who actually holds the account and the phone just rings and rings.

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 2017-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XXXX XXXX XXXX I accepted a balance transfer offer from Capital One for {$6100.00} with a 3 % transfer fee and selected to have the amount sent via a connivence check. The check was sent to the incorrect address because a customer service rep mistyped it on my account. I have contacted their customer service several times and have been told to just wait. After 3 weeks I contacted them for a third time as was told the check was returned and will be destroyed ; however a new check can not be issued until the funds are credited to my account. The rep then proceeds to tell me that the credit will not be taken off for up to 2 billing periods and that I am expected to make minimum payments on funds that I have not received. They refuse to credit the account immediately and refuse to waive minimum payments while they credit the account. Capital One is putting the burden and cost of their clerical error on me the consumer which is something that is unfair and malicious.

Company response to consumer: Closed with explanation