BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-13
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Complaint : I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my XXXXth dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Personal information incorrect

Complaint:
I had a balance on my XXXX credit card of {$21.00} that I was unaware. I received a credit alert in mid XX/XX/XXXX that my account was over 30 days past due. I immediately called the Capital One about the issue. My address that they had on file was invalid and I  gave them the correct address information. They reversed the late fees and finance charges and I paid the balance immediately. Although, my other contact information was correct, I never received any phone calls or other communication from Capital One that there was an issue with my account. I asked them could they correct the 30 days past due on the credit bureau reporting because I didn't want to be penalized for the bill that I was unaware and for them not having my correct address. They said no that I would have to contact the credit bureau. Of course, I contacted the credit bureau and they said that Capital One would have to correct it. I disputed it at all 3 credit bureaus. To date, the negative reporting was reversed at XXXX. In XX/XX/XXXX, the negative reporting was reversed with XXXX   but they have since put it back on in XX/XX/XXXX. I have been given the runaround because of this issue and it has become very stressful. My credit bureau score dropped 87 points because of this negative reporting of {$21.00}. XXXX keeps saying that the company needs to correct it and then they close my dispute with no notification or disclosure of results. Capital One keeps telling me to contact the credit bureau. I'm at a lost here of what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
DEPARTMENT OF JUSTICE XXXX XXXX Order No. XXXX ] Privacy Act of 1974 ; System of Records Pursuant to the provisions of the Privacy Act of 1974 ( 5 U.S.C. 552a ), notice is given that the Department of Justice proposes to establish a new Department-wide system of records entitled Correspondence Management systems ( CMS ) for the Department of Justice ( DOJ ), DOJ/003. Most components of the Department maintain and operate their own correspondence tracking systems. There has been no change in the operation of component systems. Rather, this notice of a new system of records replaces most Privacy Act notices already published by components for existing systems, and it also provides notice for components that have not yet published a notice for such records. Because this is a Department-wide systems notice, it is broader than most correspondence tracking systems operated by individual

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
DEAR CFPB I, XXXX XXXX HAD APPLIED FOR A CARD WITH WAYFAIR. I NEVER HAD A CREDIT CARD BUT A VOUCHER SAYING I WAS APPROVED WITH THEM. THEY SENT OUT A DEFECTIVE PRODUCT AND WANTED ME TO PAY THE POSTAGE TO SEND IT BACK. WE ALL CAME TO AN AGREEMENT AND THE MATTER WAS SOLVED. IN RETURN I CANCELLED THE ACCOUNT THIS WAS ABOUT A YEAR AGO. IN RETURN THE COMPANY CREDIT BUREAU BEGAN TO CALL ME AND HARASS ME XXXX XXXX XXXX. I TOLD THEM THAT I DID NOT OWE WAYFAIR ANYTHING AND HOW THE MATTER HAD BEEN SOLVED OVER A YEAR AGO. I HAVE EMAILS STATING THE ACCOUNT WAS CLOSED AND SOLVED I ALSO HAVE THE INFORMATION ON A RECORDED MESSAGE. I INFORMED XXXX XXXX XXXX AND THEY DID NOTHING BUT KEEP SENDING ME EMAILS AND CALLING ME SAYING THEY DONT CARE WHAT WAYFAIR  SAYS THAT I OWE THEM. IF THIS DONT STOP A LAWSUIT IS GOING TO BE FILED AGAINST BOTH PARTIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Experian Information Solutions 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:
Company claims that I was in arrears in account for almost two years. This was a secured am card that I put up money for. There was an issue with some charges and payments. They would not respond. I never heard back from them, they never returned the money I put up for the card. 6 years later they put something on my credit report that had not been there before about me owing money. I was blocked from getting a loan for my last semester of graduate school. I called the company and was told they would not remove it. They told me that if I paid them a set amount that they would remove it from my credit and issue me a paid in full letter. I paid them even though they already had my money. I couldnt miss the loan window for school and I wanted to be done with them. Now they are reporting that I was in arrears for two years and those years the account wasnt even active. Nothing about the other six years I supposedly owed hem money because I didnt owe them money. I have disputed this I. My credit and they wont remove it. I have not paid a bill late in 10 years to any one and this is ruining my credit when they have been double paid and have not stuck to what they said they would do. I cant understand how a company can put something as current late on your credit when you havent done business with them in years. This account was opened in 2011 as a way to improve my credit or so they said. I have done everything and more then they have asked and they are ruining my credit.

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 2023-04-19
Company: EQUIFAX, 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 information incorrect

Complaint:
I am not liable for this debt with XXXX XXXX, and I do not have a XXXX XXXX credit card account. They did provide me with the original application like I asked, nor did they provide a witness to the application. 
I demand the account be removed from my credit report Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/XXXX, I sent certified letters to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The letters were received on XX/XX/XXXX ( XXXX XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX XXXX ). I disputed their claim that I owe them these debts and asked them to validate the accounts they are reporting to Equifax, XXXX and XXXX. It's now XX/XX/XXXX and I have not received any response from either company by mail, email or any other type of notification. Under The Fair Debt Collection Practices Act 15 USC 1692g, Sec. 809 ( b ), I have the right to request validation of debt they say I owe them. Both Companies have failed to validate the debts and provide the information I requested in my letters. See attached letters and certified mail receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: FORD MOTOR CREDIT CO.
State: MN
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:
Ford Motor Co. claims I missed a lease payment but that is incorrect. The last lease was due on XX/XX/2022. I made the payment on time and then returned the truck on XX/XX/XXXX, on time. Turned over the keys at that time. I have record from my bank showing this payment. My credit report shows that payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Several attempts have been made through the 3 major credit bureaus 's and cfpb to attempt to recieve vadilation of debt for a unknown company that neither agencies have been able to present proof or vadilation of debt the cfpb referred matter out to the ftc and i still have not recieved a correspondence and its been well over 90 days that i recieved vadilation of debt from the 3 major credit bureaus for the company called The General that XXXX and Transunion yet to provide validation of debt per law there is a time limit that vadilation haves to be sent to consumer and yet its not recieved or removed from my credit report

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 2023-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
So I filed a complaint yesterday, no need for me to repeat what I wrote yesterday. Bank of America regulatory complaints department only responds to messages quickly when they know they are in the wrong about XXXX discrimination. They keep sending my complaint to the same person whos name is XXXX XXXX and she has yet to help me with any issues and regularly calls me to say she cant confirm my identity to move on with this process which i know is false. Bank of America just keeps doing everything it can to try and scam me a XXXX minority out of his money as Im sure they are doing to many XXXX minorities. Why call to waste my time and only enrage and upset me more about the situation. Bank of America is an institution that regularly XXXX  profiles their clients per many situations we have seen on the news and social media outlets throughout the past few years. This is ridiculous and I will definitely be recording this conversation for all to see and hear.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: FACTUAL DATA CORP.
State: IL
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:
On XX/XX/XXXX all three credit reporting agencies XXXX, XXXX  and XXXX, noted a hard pull on my credit from Factual Data/ XXXX XXXX 1 ) I have made no such requests for a hard pull of my credit, online or otherwise. 2 ) I am an XXXX XXXX and was in Michigan in the midst of XXXX an XX/XX/XXXX series on elder abuse XXXX XXXX   XXXX so I would not have had the time to make such a request. 3 ) I am renting at present with no plans to purchase a home. 4 ) I have worked diligently to repair my credit following a XXXX bankruptcy. I, therefore, do not authorize hard pulls unless I intend to secure a new line of credit. 5 ) The hard pull on my report resulted in a two-point drop in my score at all three agencies. It will take until XX/XX/XXXX for this hard pull to no longer to affect my credit. I contacted all three credit agencies to file a dispute and they informed me I would need to reach out to Factual data directly. I did so on XX/XX/XXXX and was told by an abrasive customer service representative that they had no record of any of the banks or companies with which they do business requesting such a hard pull on my credit and that I " must have requested it online. '' When I told them that I had not, they informed me to take it up with XXXX XXXX. After two days of going back and forth with a customer service rep. I received a call from XXXX XXXX on behalf of XXXX XXXX. He informed me that none of XXXX XXXX XXXX mortgage brokers had authorized such a pull and that it " happened online. '' When I informed him that I had made no such application, he replied " we get a lot of people saying that so it is company policy not to remove the inquiry '' ( basically inferring that I was lying. ) He added that even if I could prove I made no such action there was a " 99.9 percent chance we will do nothing. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I purchased some concert tickets from this girl on XXXX. She insured me that it wouldnt be a scam that I could send her half at first and then she would initiate ticket transfer and then I would pay her the other half a couple days later I decided I wanted to buy two more so we did the transaction again. I tried to figure out how to get the tickets to my house by contacting the ticket holder and they said that she had to initiate a three-way call. 
I contacted her to let her know that and she said how do I do that and then that was it she never responded back to me after that and I continue to message her and got no response. After that, I started digging into her XXXX profile and saw that she was selling tickets all over the United States. She sent me a picture of a fake ID and a fake address. I contacted somebody that had been leaving angry faces on all of her profile pictures and she said that she got scammed as well but she got her money back. she reached out to somebody else that also got scammed by this individual so now I am working to try to get my money back but this person needs to be stopped. 
zelle has since told me that they wont be refunding me for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is reporting late payments on my credit report. Ive never had an account with this credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: GUARANTEED RATE INC.
State: IL
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:
On XX/XX/XXXX all three credit reporting agencies XXXX, XXXX  and XXXX, noted a hard pull on my credit from XXXX XXXX/ Guaranteed Rate 1 ) I have made no such requests for a hard pull of my credit, online or otherwise. 2 ) I am an investigative journalist and was in Michigan in the midst of publishing an XX/XX/XXXX series on elder abuse https : XXXX so I would not have had the time to make such a request. 3 ) I am renting at present with no plans to purchase a home. 4 ) I have worked diligently to repair my credit following a XXXX bankruptcy. I, therefore, do not authorize hard pulls unless I intend to secure a new line of credit. 5 ) The hard pull on my report resulted in a two-point drop in my score at all three agencies. It will take until XX/XX/XXXX for this hard pull to no longer to affect my credit. I contacted all three credit agencies to file a dispute and they informed me I would need to reach out to Factual data directly. I did so on XX/XX/XXXX and was told by an abrasive customer service representative that they had no record of any of the banks or companies with which they do business requesting such a hard pull on my credit and that I " must have requested it online. '' When I told them that I had not, they informed me to take it up with Guaranteed Rate. After two days of going back and forth with a customer service rep. I received a call from XXXX XXXX on behalf of Guaranteed Rate. He informed me that none of Guaranteed Rate 's mortgage brokers had authorized such a pull and that it " happened online. '' When I informed him that I had made no such application, he replied " we get a lot of people saying that so it is company policy not to remove the inquiry '' ( basically inferring that I was lying. ) He added that even if I could prove I made no such action there was a " 99.9 percent chance we will do nothing. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-04-01
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I HAVE SENT THREE PAYMENTS FOR THE FINAL PAYMENT. 
XX/XX/2021 E-CHECK FOR {$500.00} - REFUSED XX/XX/2021 E-CHECK FOR {$470.00} - REFUSED XX/XX/2021 MAILED OUT PAPER CHECK {$470.00} - NOT CASHED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I recently refinanced my student loans and paid AES in full. In fact I even overpaid, this is covered in my physical copies of paid in full statements from them. They erroneously and without my consent or knowledge sent some money back to the refinance company. I was not made aware of this, they just billed me for it. 

I was only made aware when they called to claim I was late on my account. I told them this was not possible and only due to my additional calls and requests found out that they sent money to the third party. They are charging me a late fee and interest along with threatening a negative reporting on my credit. 

I have had to contact them on more than 6 occasions over a week and spend hours talking with them. They tried to collect money from my mother ( cosigner ) and have hung up on her and I repeatedly. They refuse to handle their mistake on their own and are holding me liable for their choice to send money without my consent. They told me the only way I will not have a negative credit report is if I immediately pay them the amount they sent off to the third party along with their fees/interest. 

I told them I was willing to pay the amount they sent to my refinancing company as it was applied to my principal ( even though they have wasted much more than that amount in my time ) but I find it utterly insane that I am somehow liable for any fees that have come about actions that were not mine.This is even more infuriating because they did not even try to bring this up with me to work it out. 

Why am I even involved? Why could they not just handle this situation themselves? Why did they think the best course of action was to just hold me liable, charge me additional fees and interest and then follow it up with holding my ( and my cosigner 's ) credit hostage? 

I have recorded my calls with them ( I've also informed them that I was recording ).

Company response to consumer: Closed with monetary relief