BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-25
Company: EQUIFAX, 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 several occasions I have submitted documentation including FTC identity theft form, police report and written dispute in reference to a fraudulent XXXX XXXX account reporting on my credit file. Every dispute has resulted in XXXX and Equifax responding the account was verified. However, on XX/XX/2020, I submitted a complaint to XXXX XXXX in reference to the fraudulent account and attached the same documents I have previously submitted to both bureaus above. XXXX responded that my dispute was the first time they were notified this was a fraudulent account. How could this be????? I have submitted the same documents to the bureaus above and they claim, the account was verified?! This is ridiculous that XXXX  and Equifax and blatantly not investigating fraudulent accounts and further intensifying the effects of identity theft on consumers! Now, I have to wait another 90 days for XXXX to investigate before they will be able to dismiss this debt as fraudulent. As of now, this fraudulent account is continuing to cause undue damage my credit profile as a result of the above credit bureaus not verifying, validating and accurately disputing this debt with the creditor! I am in the process of filing formal complaints with the XXXX XXXX XXXX, CEO 's of both bureaus and Attorney General as well until this erroneous deed is rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Hello, I have been paying a law firm ( D Scott Carruthers ) out of XXXXXXXX CA that told me they were collecting my debt on behalf of the department of education for the past 4 years.  Ive paid them {$300.00} a month, totaling thousands of dollars just to find out they are a fraud, and now the department of education is trying to garnish my wages from work and when I confronted the law firm to send me a breakdown of all of my past payments the representative I usually deal with got very aggressive and mean and told me Im tired of your case anyways XXXX and hung up on me. I know they are fraudulent because I communicated with the department of education and they confirmed the law firm has no association with them. They have been terrible to me, they have threatened me when I dont pay, theyve threatened my family, called my job and embarrassed me. Its been a horrible experience. Please help me make sure this doesnt happen to anyone else and hopefully I can work toward getting my money back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have a fraudulent account being reported on my credit report i dont know what else to do i was advice to file an ftc report so i did that please help me removing this fraudulent account 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 2018-06-10
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:
After pulling my credit report it was discovered that there's accounts on my report inwhich I have no knowledge of nor has anyone reach me about the change in my report. I'm respectfully requesting physical documentation for the following accounts or by all accounts these accounts shall be removed in accordance with the FCRA rule of law. The following accounts are, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ),

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX Greentree LLC was whom I made my payments too. The hid checks and charged me late fees. I had been trying to do a loan modification.., It took me two years and 8 applications. I finally got a mediator to assist me so they would stop with this deceit. When the banks received the money from the government XXXX XXXX XXXX hid me so deep that I had no IDEA they had my mortgage. In XXXX I became XXXX XXXX. And was XXXX at XXXX Hospital . They called me to collect XXXX XXXX I was short on my mortgage payment. They constantly harassed me. My point is I received a call that there was a lawsuit against them. It was to late when I reported them. The gentleman told me to file a complaint. I now sit with a {$62000.00} deferred balance that should of been forgiven. Being the dishonest company that they were. I challenged it and they told me. It was like driving a car off the lot.. It depreciated when you drive it off the lot. 
I have been sick with XXXX XXXX for 7 years now. And I have finally had remission. I am back on my feet and trying to resolve these issues. 
XXXX XXXX holds my mortgage and Ditech took over XXXX XXXX. That's to whom I make my payments too. 
I am not sure what to do. I know this whole mess is the deceit of a company and their employees who made profit off there collections. 
Thank you and please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Monarch Recovery Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
It appears to be a XXXX  so can't talk to anyone. They never send any information to verify the debt. So I am unsure of validity of any debt. They call usually XXXX times a day. They have called other relatives as well telling asking for me and telling them they are bill collector. They have told other family members about debt, but they never sent any letters or anything. Yet they call. 
I believe they have violated the federal Fair Debt Collection Practices Act : Repeat calls as harassment Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debts within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
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: Information belongs to someone else

Complaint:
Transunion Fail to follow Federal law and not notifying In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.in which i was not notify. that this account from XXXX was recent deleted from my credit report and now XXXX XXXX XXXX, pleace this same account back on my credit report i was not notify. also XXXX and XXXX card over and over stating verified after disputing over and over unacceptable by Transunion these company didnt provide contact with my signature as anytime.

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 2018-06-07
Company: SYNCHRONY FINANCIAL
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 opened a XXXX XXXX account, XXXX XXXX and a jcp penny account only for {$250.00} and {$300.00} limits, I only used the cards once and I paid the balance off. In the mean time I had them calling me saying I still owe money and that I actually have two accounts with them for incorrect limits of {$400.00} and {$800.00} then they gave me an incorrect address other than mine on file and were very confused when I explained to them what happened they in fact added accounts or someone submitted a fraudulent account/s in my name because I did not open those accounts and I paid my cards off I am so confused and frustrated I've called these company 's over and over again and even when hurricane Irma effected us we were unable to pay off our credit cards because we were directly hit and they all told us it was too late to file so we are swallowed in debt by companies who do not treat us fairly and we have XXXX children my husband is a veteran and we will be homeless in 6 weeks because our credit score is  effected dramatically and we can't buy a hous or even rent

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 2022-11-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 my capital one card was charged for two separate EBAY trnascation : ..one for XXXX.one for XXXX ... i told them it was fraud and i didnt make the charges ... they gave me temp credit then asked for info i didnt have!! ... how do i know who made the charges.or where they came from or what was bought..i cant give info i didnt know..all i know is almost XXXX dollars was posted to my card and i didnt do it and dont know who did..so now they closed the case and rebilled me cause i couldnt provide info i had no way of having..i locked my card so no more charges can me made but i'm still out almost XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: TX
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:
Equifax is pathetic to say the least. Ive had a XXXX XXXX XXXXXXXX closed account report inaccuracies all across the board. One of the main issues is they are consistently changing the first date of delinquency and last date of delinquency. Every time I dispute, XXXX XXXXXXXX XXXX changes those dates to their liking. Causing this account to stay on my report longer. This account should have been removed last year in XXXX of 2020. 


XXXX and XXXX took notice to this unethical behavior and have now deleted this account. Equifax is the only bureau that wont do their job ethically.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: CITIBANK, N.A.
State: NC
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:
Charges were made on my mid XXXX at XXXX XXXX that I did not authorize of XXXX and XXXX. Ive been trying to get this resolved and no resolution had been found. I was told by there customer service that I would not have to make payments on these charges meanwhile the investigation was still going so I listened and didnt make any payments. I would later find out that my credit score went down due these charges for non-payment. I was told by there fraud department that my dispute was denied because not enough information. They stated that I received mail and emails regarding this decision but I never received emails or mail and I even called and tried getting an update but never really got an answer. Ive been trying to get this solved but they keep sending me to different departments. Now my credit score went down hugely and its upsetting.

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 2018-06-10
Company: Focus Holding Company
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: Information belongs to someone else

Complaint:
I contacted : NAME : XXXX XXXX XXXX XXXX XXXX ACCREDITED BUSINESS : NO CONTACT : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PHONE : XXXX XXXX FAX : XXXX XXXX Website : www.focusrm.com on XX/XX/XXXX by email. I noticed that this company is reporting inaccurate information on my credit file. I attempted to contact them but with no success. I then filed a claim with the XXXX on XX/XX/XXXX. XXXX case number is : XXXX. I again received no response from this company. 

I am looking to seek damages in {$1000.00} per breach of FDCPA in addition to having this inaccurate, incorrect information removed from my credit file. 

Please assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
PayPal are creating fictitious purchases of the same amount of purchases that I already made. So I am being charge twice for the same amount. Is not the first time they do this. This happen back in XX/XX/2020. I spoke to them and they apologize and remove the amount. But they are still doing it. They need to be audit. I am going to call them so they can remove these amount once again but they need to be audit and charge for fraud.

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 2018-04-03
Company: Experian Information Solutions 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:
ID theft victim, unknown acct, police report filed

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 2021-03-25
Company: Experian Information Solutions Inc.
State: SC
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 was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.

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 2021-04-06
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My wife and I purchased an item via my Capital One credit card from XXXX on XXXX for {$1200.00}. The item, a XXXX XXXX, was broken when I got it. I sent it back two separate times to the XXXX and it was returned to me two times, which took months. I sent it back a third time, which Ipersonally paid {$400.00} out-of-pocket to do via XXXX. The item was finally recived by XXXX on XXXX. XXXX sent me an email stating this on XXXX. I have sent Capital One photos of the broken faucet, proof I paid for it, proof I sent the faucet back ( 3 times ), proof XXXX got the faucet and still Capital One refuses to credit my {$1200.00} plus any interest it has accrued. I have called Capital One a dozen times, spent countles hours explainingthe situation to various Customer Service people, numerous Managers, etc. the past year to get this resolved -- butthey refuse to do so. My last call was with a person named " XXXX '' on XXXX and he actually hung upon me. Capital One are either thieves or incompetent as this is beyond ridiculous. My wife and I have 4 credit cards with Capital One, spend thousands per year and our credit scores are well over 800. Please help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-07
Company: Experian Information Solutions Inc.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I lifted my XXXX security freeze easily on the other 2 credit reporting companies. Experian did not. 

They wanted a long list of documents submitted to ESTABLISH / PROVE my permanent residence. 
I NEED THIS LIST OF DOCUMENTS THEY REQUIRE ( from memory driver 's license, utility bills etc. ) and the ADDRESS TO WHICH THEY ARE TO BE SENT. 

I believe that this issue ( which I tried to correct years ago unsuccessfully ) arose because in any attempt to correct a prior error in my credit history, they had me living at a law office as I sent a letter from the address thinking - erroneously - that someone would pay more attention. 

Then, because the law office gets its mail at a post office box ( no delivery to addresses in XXXX ), they had my address as the box office box. It's large, but not that large.

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 2021-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I mailed out a debt validation letter to Capital One on XX/XX/2021 requesting for them to validate the alleged accounts ending in XXXX and XXXX. They have not responded to my letter that was received certified mail. I entered into a consumer credit transaction w Capital One which no cash is supposed to be excepted by the lender. capital One is in violation of 15 US C1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. Capital One in fact took cash as shown in the attached labeled exhibit. I have found 20 protected consumer right violation under 15 USC 1692 and USC 1605 that I have presented as exhibit w a signed affidavit of truth. I also have a recession letter exercising my right to rescind pursuant to 15 USC 1635. XXXX XXXX is in violation of 15 USC 1611. XXXX willfully and knowinly failed to provide and disclose information required under the provisions of 15 USC 1601. They are now criminally and civilly liable. I have mailed attached documents to XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Northstar Location Services, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Northstar Location call my home twice a day for months. I have already told them the individual they seek has not lived at this address in 18 years. They still keep calling. When I attempt to call back there is no answer. When I answer often times no one is on the other end. This morning I got a name of a customer service agent named XXXX. I informed him that I had requested they not call my home anymore and that I intended to report the company to the FTC and he hung up on me. 
Some of the calls : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX., XX/XX/XXXX XXXX XXXX., XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, This has been going on everyday for at least six months.

Company response to consumer: Closed with explanation