BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-13
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

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 2019-06-06
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 and XXXX  are reporting incorrectly that I am 90 plus days late on the XXXX/XXXX   XXXX/XXXX/XXXX/XXXX and XXXX/XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4,  5, and 6 of the attached credit report. These accounts report a {$0.00} past due. There are also duplicate entries of the same accounts ; the date of last activity is incorrect ; the status being reported is inaccurate ; and some accounts have been transferred and should not be reporting at all. These accounts are coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I spoke with XXXX XXXX when the account was originally delinquent, then closed over 7 or 8 years ago I believe. The reason that I am not sure of the date is because I thought it was resolved until another collection company popped up, then another, and another, then the account was somehow reopened. I paid them and had closed out the account so I was confused by this. Now they have another collection agency saying it open and under 2 years old which is absurd and ruining my credit on equifax, which always has a problem with their website when I try to dispute, I requested forms which I never got, none of the other agencies report this. It is killing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
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: Account information incorrect

Complaint:
Reporting the same Department of Education Balance twice. How can the same charge show up 2 separate times? Not only were these being updated during the pandemic, which the CARES ACT put a halt on all student loans, but I paid them off and was promised they would be removed. I trusted the Department of Education, which I paid close to {$2500.00} when money is extremely tight, to honor their word. Now not only are they reporting the same account twice but they are leaving them on making getting transportation and housing much harder and much more expensive. 

The struggling now are struggling more than ever. Our own Department of Education and TransUnion and XXXX  are hurting us more than anyone else. 
1. 
Account number XXXX Account status Closed Date opened XX/XX/2014 Account type XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX. 
Account number XXXX Account status Closed Date opened XX/XX/2014 Account type Installment XXXX XXXX  XXXX XXXX, WI 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 2020-10-15
Company: NETWORK CAPITAL FUNDING CORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I completed a refinance loan with Network Capital Funding ( NCF ) located in XXXX, CA and signed the closing documents on or about XXXX XXXX, 2020. When the deeds were filed, I discovered on or about XXXX XXXX, 2020, after I received my recorded copies of the deeds that one of the deeds had an attachment that included my Social security number which is now public records. I dealt with XXXX XXXX, the loan processor ; XXXX XXXX, the sales agent ; XXXX XXXX, the Sr. loan processor ; and more recently XXXX XXXX with XXXX XXXX ( who NCF assigned to process the paperwork ) in an attempt to get my personal info removed from the public records. They all seem to agree that the document which contains my personal info should not have been filed. I'm totally stressed out about this mishap as I could be seriously harmed by identity theft or some other nefarious circumstance. I strongly feel that the response I've gotten from both Network Capital and XXXX XXXX has been extremely lacking given the these circumstances.

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 2019-06-06
Company: BARCLAYS BANK DELAWARE
State: MI
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:
A XXXX Transaction is made on my Barclays credit card in XX/XX/XXXX. The charge was authorized and is supposed to be charged only one. But in my billing statement, the charge from the same merchant, XXXX is shown twice for an amount of $ XXXX. I opened a dispute with Barclays and they asked me to contact the merchant. So I contacted XXXX and they emailed me back on XX/XX/XXXX, that they made the charge only once and its the credit card company 's mistake. I provided the email proof from XXXX to Barclays. I did not receive any status update. So I called Barclays back again and they said the dispute was closed. So I opened the dispute again and provided all the proofs. This repeated multiple times till now, XX/XX/XXXX and now the last time I opened the dispute with the highest authority at Barclays, I got a callback and they told me it was too late to do anything now. That the transaction has happened a long time ago and there is nothing they can do about it. On asking why my dispute was closed so many times, they say its the merchant who is responsible and for charging me twice and it's not Barclay 's responsibility to take care of it. Now I can not contact the XXXX either because they will not keep all records from two years since its a big airline company and they have too many records to keep. Now both the parties are not taking responsibility and I as a customer have to end up paying such a big amount for nothing I used.

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 2019-06-06
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Dear Sir Madam : I'm currently separated from my wife who maliciously destroyed all mail I had been receiving at our home address. During XX/XX/XXXX -XX/XX/XXXX I had 5 accounts and credit cards fraudulently open online at BB & T Bank in my name. 
I managed to get a police complaint number but no one seem to be able to investigate the person I believe is responsible for the fraudulent activity. 
The mother of my XXXX children ( other person ) is solely responsible for this activity. 
She charged XXXX on one account and paid her student loan for XXXX dollars. She also attempted to withdraw XXXX from some other bank she opened online by forging my signature. I have a few statements in my posetion to prove specific dates when fraud occur.

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 2021-01-25
Company: Southwest Business Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX, I notified SWBC Mortgage Corp that I need a forbearance as I was financially impacted by COVID-19. I was given a 6 month forbearance period beginning in XXXX. In XX/XX/XXXX, I called SWBC to start the loan modification process as I was able to start making mortgage payments. I was given a deadline of XX/XX/XXXX to have all documents submitted. I emailed the remaining documents on XX/XX/XXXX directly to the underwriter who stated that they would process it the same week and the mortgage payments would continue in XXXX. The underwriter did not process the documents and I had to start the whole process over again in XX/XX/XXXX. All documents were submitted to SWBC prior to XX/XX/XXXX. I continue to receive letters and phone calls stating they are missing documents. Every time I call to speak to someone, I am told that different documents are needed than what the previous person told me. I have requested to speak to a supervisor or the underwriter on three separate occasions. I was told I would receive a call back within 24 hours but I was told today that no one had ever submitted a request for a manager to call me back. I called two times today, XX/XX/XXXX, and each representative refused to let me speak to a supervisor or underwriter and each one hung up on me. I am now being assessed late fees, penalties and negative impacts on my credit. I can't refinance the mortgage with a different lender as the mortgage is showing as 6 months past due.

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 2017-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Capital one will not allow me to connect and external application to my information in order to analyze my spending and service costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY FOURTH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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: 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:
Experian need to update the records - please see XXXX letters ATTACHED From XXXX. XXXX XXXX - ABOUT FLIP THE HARD INQUIRY TO SOFT INQUIRY XXXX. XXXX XXXX XXXX ACCOUNT CLOSED - PLEASE SEE LETTER FROM XXXX REMOVAL OF ACCOUNT. THIS ACCOUNT HAS BEEN REMOVED SINCE XX/XX/2021 FROM OTHER BUREAUS, BUT STILL EXISTING WITH EXPERIAN. DATA FURNISHER HAS PROVIDED THIS INFORMATION TO ALL BUREAUS AT ONCE. BUT EXPERIAN IS NOT REMOVING FROM THEIR RECORD.

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 2021-08-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/21 I sent out letters to the credit Bureaus asking for verification for the account number XXXX with Midland Funding LLC on my credit report that they assumed was mine and they replied back with with a generic letter saying it was verified. On XX/XX/21 I sent out a second round of letters asking for validation and I clarified what I needed within the 30 days, still they only responded, with a generic automated letter saying the debt was verified. They did not respond with the items I asked for under 15 USC 1692g. I then proceeded to send a validation letter to Midland Funding on XX/XX/21 directly asking for validation directly, and all they sent me was a bill that I never created. On XX/XX/21 I sent reinvestigation letters to all three bureaus with no progress of getting this issue resolved. Neither company has been able to provide validation that this assumed debt belongs to me and I need it removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$450.00} XXXX XXXX {$1900.00} XXXX  XXXX {$2100.00} XXXX XXXX {$2700.00} XXXX {$3000.00} XXXX  XXXX {$5900.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$1100.00} XXXX XXXX {$3000.00} XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX {$2200.00} XXXX XXXX {$3300.00} XXXX   XXXX {$2200.00}

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 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX showing up credit please remove the ftc or fcra violation sent them this over months ago of the violation also inquires

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 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-05-16
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom It May Concern : This problem is in regards to XXXX reporting XXXX am late for the months of XXXX and XX/XX/XXXX on a closed child support case. 

The case was closed in XX/XX/XXXX. According to Experian they reporting the debt as a XXXX  balance but yet reporting the account to be closed. Experian reported the account was first reported in XX/XX/XXXX, when the account was closed. There is a standing court order. 

Which has been fully paid to the state of Virginia and there is a XXXX   balance on the account in Virginia. The issue is Experian is refusing to take this account off of my credit report indicating XXXX is verifying the report. 

Upon my contact XXXX they reported the case is closed. 

The problem is I am the parent now who receives child support. This account is grossly over due. In which they continue to make no efforts to collect funds on my children behalf.

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 2023-11-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: EQUIFAX, INC.
State: LA
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:
EQUIFAXisaXXXXcompanywhoconstantlyviolatestheFCRArules!!IhavebeenthevictimofIDTHEFTandhavesentpolicereportsandtrovesofsupportingdocumentsintoEQUIFAXshowingthistobethecase.IhaveseveralfraudulentaccountsthatwereNOTopenedbyme!TheseaccountswerelistedonallthedocumentsI'vesentin.Theywereallblockedandremovedatonetimeandnowtheyarere-reportingandEQUIFAXrefusestodoanything,AllIkeepgettingtoldisthattheywereverifiedasbelongingtome!!!Thisis100%false!!IftheybelongedtomethenwhyisEquifaxnotsendingproofofthistomeormyattorney?EvenwithaAttorneyinvolvedEQUIFAXWillnotdoanything!!!Howcanyouoperatethisway?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
After reviewing my credit report I noticed a collection item is still listed on my report although the collection company previously stated in a previous investigation with CFPB that the original creditor asked them to place the account on holding pending a financial review of the account. 
1 ) the collection company XXXX XXXX continues to report the debt as outstanding and continues to report to the bureau as late and outstanding

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