BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-02
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: Their investigation did not fix an error on your report

Complaint:
Re : Removal of Account per XXXX XXXX XXXX Data Reporting Guidelines For Reporting Sold and Transferred Accounts To Whom It XXXX Concern, Effective XX/XX/2022 : All guidance that relates to accounts being transferred or sold has previously been updated to advise that the Account Status should be reported as of the time of transfer or sale so no further updates will be made to existing XXXX. 

Equifax is currently reporting the " Account Status '' as " Sold/Transfer '' as shown in the attachment ; therefore, effective XX/XX/2022 if the " Account Status '' field was changed to " XXXX '' which it is, the account should have been deleted after the update of the " Account Status field to " XXXX ''. 

Based upon XXXX XXXX Data Formatting and XXXX XXXX for XXXX XXXX Data Formatting effective XX/XX/2022 the following account is reporting inaccurate ; Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Early Warning Services, LLC
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: Information belongs to someone else

Complaint:
Someone opened an account in my name and I never knew about it. I never opened an account in XXXX XXXX. I never lived there nor did I know about this account. I want this account to be investigated. I have tried to reach out to XXXX XXXX in regards to this account. They contacted me in regards to the wrong account. Early Warning Signs reported an account with XXXX XXXX. i never opened an account with XXXX   XXXX. It is a fraudulent account that I never opened. They didn't do a proper application. It was any credit or application or any other account. The fraudulent account number is Account # : XXXX It was a checking account that was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I made a lot of atm withdrawals and ordered food from XXXX XXXX  and the atm never dispensed any money or XXXX XXXX  delivered my food and I was charged for the food and atm withdrawals totaling 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 2021-09-28
Company: Early Warning Services, LLC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I was scammed out of XXXX through Zelle from a individual I met on XXXX. I was led to believe I would receive merchandise for payment but never received it and the individual cut off contact. I reached out to the person with no response. 

On XX/XX/2021 I was scammed out of XXXX through Zelle from a individual I met on XXXX. I was led to believe I would receive merchandise for payment but never received it. I tried to reach out to the person with no response. I contacted Zelle but didn't receive any help. 

On XX/XX/2021 I accidentally sent XXXX to a individual through XXXX XXXX. I contacted the individual for a refund. They haven't responded. I reached out to XXXX XXXX support team with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
AFNI collections have been calling and harassing me for months, seeking someone I DO NOT KNOW, despite me telling them numerous times and writing them as well to inform them of the same! Most of the calls come from XXXX. The latest call occurred XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Fed-loans will not grant me XXXX loan forgiveness for working in a low-income school even though I have since I began teaching in XXXX XXXX, XXXX. The school that I worked at for my first two years of teaching were so low income that the XXXX XXXX Department ended up closing the school down. The have a hired man who is over all things about that school at the XXXX ( XXXX XXXX Arkansas XXXX ). When I submitted the form for XXXX loan forgiveness it was for 2 years at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Arkansas XXXX. That is the address for the XXXX because the man, XXXX XXXX XXXX, in XXXX company is the XXXX XXXX for the paperwork dealing with that school. I have combined 3 years that I had for teaching at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AR XXXX, to equal a total of five years of teaching service in a low income school which qualifies me for XXXX loan forgiveness. It was denied based on having NO XXXX office signature which it does have to qualify. I submitted it this way for a total of 4-5 times, each time I was denied for either the same reason or not qualifying for enough years taught even though I do have the 5 years. I then waited til I had 5 years total at XXXX XXXX XXXX XXXX to re-apply. When I re-applied I had talked to fed-loan servicing department and had been given step by step directions that I needed to follow to ensure that it would not be denied. I followed the directions completely and re-submitted to only be denied again. I then waited til XXXX to try one last time to get the loan forgiveness that I fully qualified for to only be completely ignored by Fed loans who 's only response was to send me an application for XXXX loan forgiveness, the exact form that I had submitted. So thinking that was a lost cause I then applied for XXXX XXXX loan forgiveness which is where if I teach and pay for 10 years then my loans are forgiven. XXXX XXXX, XXXX will be 10 years so I applied and to no surprise was denied for that as well. I am a community helper that gives back on a daily basis and it is not right for me to be making less than a waitress after 2 degrees and 10 years of public service. I have worked Extremely Hard to better myself being the first and only of XXXX children to graduate with any degree at all in my family. The least that could be expected is that I can make a living without worrying about having the money to support our XXXX children!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

I wanted everything Removed

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 2021-07-14
Company: Valentine and Kebartas, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted about a debt from Valentine and Kebartas about a month ago and I told the person that now was not a good time for me to talk and that she needed to call back at a different time. She seemed to be understanding, but a month later I received a harassing phone call from a customer service representative about this debt and they said it was XXXX. They wanted me to verify my social security number and my date of birth and I refused. I asked her did she look up the information that the other person had told her and she said yes, but that she was still calling about this debt. I told her to send me a debt validation letter and she said that one was mailed, and that I needed to take care of this. I told her to stop calling me and to send me the letter. She told me that she would continue to call me after I told her that the law states that, that she can not harrass me once I tell her to stop calling me. I then hug up the phone on her. Today, on XX/XX/2021 at XXXX. A representative called and pronounced my name wrong and wanted me to verify my information and stated that this was an important business matter. I asked him what this was about and he kept asking me to verify my information. He asked for my address and my social security number and I wouldn't give it to him. I was then frustrated because I heard all of this loud noise in the background and told him that he needed to turn his TV down. He then kept asking me for my information and I told him no and he said well you verified it on the XXXX  and we have been sending you letters. I kept asking him what this was about and he refused to say. The noise in the background was getting louder and I told him that I could barely here him. He then replied that it's COVID-19 and it's his kids and that he is working from home. Then he kept asking for my information, I told him that he needs to stop calling me and that they need to send me a debt validation letter. He hung up the phone on me and told me that it was because I didn't very my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Account Management Resources
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

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 2022-10-06
Company: NAVY FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
The Creditor is reporting a charg-off which inaccurate information to my consumer report. The creditor has cancelled the debt and a tax write off. The IRS defines a charge off as Gross or ordinary income. Income is not reported on your consumer report. 

The attachments were sent via mail certified return receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-07
Company: EQUIFAX, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
THE US BANKRUPTCY COURT SENT ME A LETTER STATING THAT THEY DONT EVEN REPORT TO ANY CREDIT BUREAUS EVER AND PLUS ITS SHOWING THAT ON ALL 3 BUREAUS IT WASNT SPELL OUT CORRECTLY IT WAS SUPPOSE TO REPORT U.S BANKRUPTCY COURT OF XXXX INDIANA AND ITS NOT SHOWING THAT AT ALL

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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 is missing that should be on the report

Complaint:
Credit card account ( XXXX ) account information detailed in XXXX XXXX is not being updated accurately. The account was updated on XX/XX/2023 as current. However, the Payment History does not display with a green check mark for the month of XXXX even though the account has supposedly been updated. By not getting the Payment History updated, I am not getting the increase in my credit score.

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 2023-05-25
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:
In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Transunion and XXXX to reinvestigate these accounts : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However they stated everything was complete and accurate if the open date, date of last activity, charge offs reporting as ok and much more. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting accurately.

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

1581 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. 

1581 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 items of information other than the records of convictions of crimes with antedates the report by seven years.

1581 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have disputed a XXXX XXXX XXXX  account with all three credit report agencies. I keep telling them that the account is negatively affecting my credit and should be removed from my credit report because it is over 7 years old. The amount of time that a negative items remains on your credit report is 7 years but they just verified with XXXX XXXX XXXX that the account is valid then closes out the dispute. When what should do is look at the date on the account to see if it should be cleared from my credit report due to age not validity of the account. It needs to be removed because it was charged off over 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is the list of evidence regarding my billing dispute for my HSBC Credit Card in the amount of {$1000.00} from XXXX XXXX XXXX posting on XX/XX/2022. 

1. Receipt dated XX/XX/2022 for XXXX # XXXX for the total amount of {$1000.00} 2. Email from event organizer dated XX/XX/2022 informing me of the cancellation of the event and that refunds will be issued. 
3. Email from event organizer dated XX/XX/2022 informing me that the refund of {$1000.00} for Order # XXXX was processed on my old XXXX XXXX ending in XXXX 4. Email from event organizers customer service dated XX/XX/2022 confirming that the refund would go into my account automatically even if my card number has changed ( HSBC changed my credit card without my prompting ) 5. Email from event organizers customer service dated XX/XX/2022 stating that their records indicate that the funds were accepted by HSBC, with the authorization code XXXX. 
6. List of all transactions for my credit card account from XX/XX/XXXX to XX/XX/2022. The refund is not reflected on this list. 
7. List from my HSBC rewards transaction that shows a Purchase Return dated XX/XX/2022 for the amount of {$1000.00} 8. I have been calling HSBC at least once every two weeks since XXXX. It has been a total now of over 4 months since the refund was issued by the merchant. 
9. I have also spoken to XXXX XXXX XXXX  and they said I needed to work with HSBC since they had already accepted the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I requested information about a HELOC. I was contacted by XXXX XXXX on XX/XX/XXXX from Quicken Loans. I reiterated my requested for a HELOC, he asked for my SSN and pulled a credit report. He then proceeded to tell me that Quicken Loans doesn't offer HELOC loans. I informed him on XX/XX/XXXX that I was not interested in a mortgage and that I felt mislead by him and that I didn't appreciate having my credit report pulled when they couldn't accommodate my needs. 

On XXXX I received a loan package from XXXX dated XX/XX/XXXX. 

This agent is pushy and I would like to lodge a complaint against the practices that were used. I also do not want to be contacted by Quicken Loans for any marketing or loan offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Mr. Cooper Group 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 suspect XXXX XXXX, Mr Cooper Consumer Relations Specialist, in retaliation to an angry email I sent her, has fraudulently reported to the credit agencies that I owe {>= $1,000,000} extra on my mortgage. If it was not her, I suspect she still had a hand in this fraudulent reporting.

Company response to consumer: Closed with explanation