BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i sent XXXX and equifax letters on XX/XX/2021 regarding the inaccurate and incomplete items that they are reporting on my credit report and they hasn't did anything.this is my 4th attempt into getting this handle and they haven't verified anything nor deleted it.i will attached copies of the letters below

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: CountryPlace Acceptance Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to work with my lender and my XXXX on completing a loan modification packet but they keep saying they are not receiving or clearing documents. 

They have advised several times that a manager would call back but no answer for almost 2 months now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX refuses to supply the REQUIRED documents for account # XXXX. 
Ive requested the legal notices that were sent to me as proof of the date and time of the resell also XXXX refused to send legal copies showing the amount they received after the sale XXXX has not provide copies of the legal notices for anything.

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 2020-01-29
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
One for {$150.00} sent to XXXX and {$150.00} sent on XXXX   I was scammed into buying dogs online and the person wont refund my money and paypal refuses to dispute it because it was sent as friends and family. They have sent me fake emails from fake companies and called me from fake numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i went online and call all three major credit bureaus ( XXXX XXXX and Transunion ) about multiple inquiries on my account that i did not authorize. They refuse to look into or remove these inquiries alot of these were made i believe when i purchased a new car and did not give authorization to pull my credit multiple times. Also XXXX refuses to remove an account that is in litigation due to fraudulent charges and damage to personal property with XXXX XXXX systems.

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 2021-03-29
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: Information is missing that should be on the report

Complaint:
The sad fact and opinion by experience is Americans like ourselves are being held XXXX by basically corrupt people who believe themselves the good and decent, honorable patriot and some even believers as do they who work for them and execute this fraud comfortably without a care or concern. They allow misinformation and fraud to permeate their reporting system and to boot untimely! That produces lower credit scores and financial abuse. Does all that matter- NO! This will be closed got that closed immediately waiting for these agencies to report or correct and all the while taking their sweet time. Negatives posted immediately! Here is The company has responded that it is still working on your issue. 

We expect companies to respond to every complaint within a reasonable amount of time. The company has responded that it is still working on your issue. You should hear from them again with a final response within 60 days. 

You can log in to see the companys response at CFPBs secure website. You can also review the companys response by phone with someone. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 their own confirmation-

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: ADIR INTERNATIONAL LLC
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This credit card account with Curacao has been closed and charged-off since XX/XX/2016 in the amount of {$850.00}. I've disputed this item several times on my credit reports. However, they are continuing to reporting inaccurate, incorrect and damaging information in clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness. I'm currently in the home buying process and this item is hindering me from proceeding.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Experian Information Solutions 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:
Hey whats going on I recieved a reposnse from you saying i was '' listed as someone you dont recognize as a customer '' if I am not your customer then why would you put misleading information on my credit report. I have been sending you complaint but it seems you'd rather lost money than investigate my complaint

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 2017-12-06
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX after hearing about the Public Service Loan Forgiveness program, I spoke with XXXX XXXX ( which is now Navient ) and requested that my student loans be consolidated and set up in order to qualify for the Public Service Loan Forgiveness program. It took multiple calls to XXXX XXXX and was a very frustrating process, often the XXXX XXXX representative that I would speak with was confused about the program and did not know how to proceed. After multiple calls I was told that my loans had now been consolidated and would meet the criteria for PSLF as long as I made 10 years of qualifying payments. 

In XX/XX/XXXX, after making 10 years of payments I have attempted to qualify for the PSLF only to be told that XXXX XXXX never consolidated my loans appropriately to meet the terms of the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I recently sustained an unforeseen injury that has affected my vision and I'm currently on XXXX, receiving only portion of my regular salary. According to my physicians, it can be months before my vision has improved enough for me to be cleared to go back to work. With my return to work being months away, me taking a hit in my take-home wages and having now additional obligations compounding in the form of medical bills, I reached out to Capital One about my credit card balance, which is current and in good standing at the moment, to see if they could assist me in anyway with my monthly payments and interest rates during this financial hardship. I attempted to convey this request twice to their customer care team. Both times they denied my request for an adjustment on the interest rate, stating my acct " doesn't qualify for an interest rate promotion this month, but call again next month to see if you do '' as if I was in some sort of sweepstakes. I came to Capital One in good faith based on the unfortunate hardship and situation that I am enduring and I did not expect this lack of empathy and customer service. When I reach out to my other creditors, XXXX and XXXX XXXX, they were more than empathetic and understanding to my situation, assisting me with 0 % APR for an extended period of time and worked with me to get my monthly payments in a range where I would be comfortable while I weather this storm. That is why I am very disappointed and applaud that Capital One would treat their customers this way. They seem to care more about their bottom line, rather than taking care of their members.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
All 3 credit bureau 's but more so Experian in recent attempts to remove duplicated reporting. A charge off debt means the original creditor no longer owns the debt. It has been sold to a second party for collections. However it is reported as charge off from the original debtor it is not reported zero owed for some accounts. Any and all charge offs means sold so the balance owed needs to state zero owed to them as it is owed to the sold party collector. The bureau has not in a few attempts to correct it through the dispute process within the last few months of 2018. I also tried in an attempt to contact the bureau but have found no contact number to discuss with any employees.

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 2017-12-06
Company: Ditech Financial LLC
State: NC
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:
Ditech Financial LLC has been reporting since X/2014 that I have an open account with them # XXXX which I have never had and they are coding to my credit report as this being a XXXX. I am trying to refinance my current mortgage and ca n't because this is on my XXXX credit report. XXXX  and XXXX credit reports are correct. I have contacted Ditech Financial LLC on numerous occasions and XXXX and just keep getting a run around, their employees are also very rude when you ask about these fraudulent claims on my credit report. I just ca n't believe Ditech Financial LLC and XXXX are allowed to put these bogus fraudulent claims on my credit report and have been doing it for years. This should be a crime and they should be punished for taking advantage of their customers. Please help me. 
Thank you, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Kriya Capital, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2017, I called Credence Resource management ( XXXX ) to ask them to change the amount that was being automatically debited from my checking account for a medical debt that I owed. They had been withdrawing {$200.00} per month until the debt was paid. When I spoke with them, they told me there was good news, that the debt was already paid in full and in fact, they had taken out two months payment over what I owed so they owed me a refund of {$400.00}. They told me they would be sending me a check with the refund shortly. I never received it. I have spoken with them 7 times now, as of 6 months later and still, after various excuses about why I have not gotten the check, they still promise to send it. They have records of all the times I have called about this. They admit to owing me this money. I have no idea why they continued to take money from my account after my debt was paid in full, and I am sure they planned to continue this as long as I allowed it to go on. I told them the last time I spoke with them that I will be going to higher resources to get my money back. They promised me a check coming expedited delivery by Wednesday, XX/XX/XXXX, and nothing. I need help getting this refund to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was Incarcerated on XX/XX/2020. I posted bail and was released on XX/XX/2020. My XXXX ordered me to a Rehabilitation Center in XXXX XXXX, Arkansas, called the XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, Arkansas, XXXX. I was admitted the night of the XXXX around XXXX. On the XXXX of XXXX, 2020, I went to the Arvest Bank location on XXXX in XXXX XXXX, Arkansas. Upon going to the Branch Location, I was informed my bank account had been fraudulently hit, and all of my funds were gone. I immediately filed a dispute with the company, the amount in the account should have been {$3100.00}. After filing the dispute the company, even though they were aware that the account had been compromised, re-distributed the monies that were disputed back into the compromised account, therefore allowing the person ( s ) that had the account information to withdrawal the money again. I was able to get XXXX out eventually, but upon taking out the XXXX, the bank informed me, when I tried to re-dispute the rest of the money, that they would not be doing another investigation into the disputed funds, and would no longer allow me as a client at that banking corporation. There should be approximately XXXX dollars that the banking corporation of Arvest owes me, through the FDIC insurance policy, on fraudulent banking activity, yet, they are not disputing the account anymore, nor will they have any contact with me about the account, because of the fraudulent activity. 

Besides the withdrawal of XXXX , I have not done anything to this account whatsoever, since before XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Barclays Bank is beyond the worst bank there is. They threatened to charge off my account on XX/XX/XXXX to a collection agency when I offered to pay the minimum of {$40.00} on XX/XX/XXXX. They absolutely refuse to cooperate and all they want is money and is to rip me off!

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 2021-09-03
Company: EQUIFAX, INC.
State: OH
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: LendingUSA
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 information incorrect

Complaint:
LENDINGUSA # XXXX is reporting a balance on my credit report. This account has already been paid and the balance should be updated to {$0.00}. This is a violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is in regards to a Capitol One account. I received a CP71C notice from the IRS on XX/XX/XXXX. My wife did also. The IRS is claiming I owe {$1500.00} for the XX/XX/XXXX tax year. When I called the IRS, they stated it was for Capitol One. Supposedly, Capitol One sent me a 1099-C for tax year XX/XX/XXXX and I failed to report it. The problem here is that I have never had a Capitol One credit card in my entire life. The IRS informed me that I needed to contact Capitol One so they can amend any taxes for that year or give me a notice saying I don't have an obligation to Capitol One. I tried calling Capitol One on several occasions but Capitol One could never help me or give me any information or even find me in their system. 

Since I was having no luck with Capitol One, I went to a company on XX/XX/XXXX that could assist me with this. The company representative helped me call Capitol One and try to reach someone that could finally answer some questions. He went through multiple departments and was on the phone with them for an hour. he explained the situation of how I was being charged taxes for an account that was never mine or ever existed. 

The entire time he was told I could not be found on the system. Because my wife did at one point have a Capitol One credit card however, we tried speaking to them about her account to see if they were somehow trying to collect for her account. 

My wife, bless her heart, actually has in possession the Capitol One credit card she had back from XX/XX/XXXX-XX/XX/XXXX. We called and gave them her info and even the card information in her possession and they still couldn't find her in the system. After multiple departments and Capitol One representatives couldn't help us or tell us that either my wife or myself were in their system, we finally spoke with someone named XXXX in the escalations department. She couldn't help us in any way shape or form either and ultimately said they couldn't give any letter to clear me of this IRS tax form that states I owe back taxes because of an unpaid Capitol One credit card. After much bickering back and forth, XXXX said she is the highest authority in that department and there is no department with higher authority or at least none that she was aware of and none that could help me get any letter to give the IRS. 

Now I am stuck here with an IRS debt from XX/XX/XXXX that isn't mine and Capitol One won't even acknowledge that they submitted it against me. I know it's for me because the IRS form has my social on it. If I can't get them to fix this I have no choice but to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I submitted a complaint here bc I had been working to have XXXX, XXXX and TransUnion correct a few errors on my credit report for over a year. None of the bureaus sent the requested proof from the investigation that they claimed to have done. The accounts was removed from my account on XX/XX/XXXX. However, this same account ( XXXX XXXX XXXX ) has reappeared on my credit report as of XX/XX/XXXX. XXXX has this account reported twice on my credit : one in the amount of {$210.00} and another one that shows {$130.00}. TransUnion and XXXX  have this account in the amount of {$130.00} as a collections account. 

As stated in my initial complaint on XX/XX/2017, I do NOT owe any collections to XXXX XXXX XXXX. I am still an XXXX XXXX XXXX customer and have been for over 11 years. 

I have contacted all three bureaus asking for the same proof of these collections accounts and I've yet to receive it. These bureaus are allowing bogus collection companies to put erroneous information back onto my credit profile AFTER it's been established that it is not a valid debt that I owe.

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 2021-09-03
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was told there was no hard credit pull. They, at that point, ran both mine and my wife 's credit with a hard pull. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
Attorney contacted Best Buy Corporation and tried to contact Citibank regarding a Citibank My Best Buy Branded Credit Card that was open fraudulently with my birth date and SS #. XXXX XXXX, paralegal in the legal department for Best Buy stated Citibank is the owner and administrator of the credit card and Best Buy can not help with this fraud issue.

Citibank has not responded to my attorney, XXXX XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX.

I filed a report with the XXXX  Police Department on XX/XX/2018.

The fraudulent account was opened in XX/XX/2018 and I discovered it in XX/XX/2018. My credit report was corrected. However, my SS # and birthdate are still in the hands of the unknown criminals.

My attorney advised me to submit this complaint against Citibank for negligence.

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