BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-17
Company: Experian Information Solutions 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:
Honestly I think this a problem caused by both the credit reporting bureaus and XXXX XXXXXXXX  the mortgage company reporting to them I have tried to fix the problem with all of 3 credit bureaus and the mortgage company. I am literally in the middle of a new home purchase, In doing so I got credit reports in preparation to apply for financing. I found XXXX XXXX   XXXX mistakenly reported my mortgage, which they serviced from XX/XX/XXXX to roughly XX/XX/XXXX as delinquent XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I reached out to XXXX XXXX XX/XX/XXXX with more than 15 pages of documentation..SEE XXXX LETTER DATED XX/XX/XXXX, attached here, confirming they MISTAKENLY reported my loan delinquent in error for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and would be correcting with credit bureaus "this month" (implying XXXX) I contacted credit reporting bureaus immediately - XXXX, Experian, XXXX. I was told that even though I had a letter from XXXX   that no correction or update on this could be made unless and until received DIRECTLY from XXXX XXXXl. I wen back to XXXX XXXX many many times, by phone, fax and email. I learned eventually XXXX  submits to the credit bureau. Eventually I was told XXXX  had submitted tot he credit reporting bureaus XX/XX/XXXX then changed toXX/XX/XXXX. I have contacted credit reporting agencies almost daily all say they have not received anything from XXXX and XXXX keeps insisting they have submitted the correction and that "there is nothing more we can do." In turn the credit reporting bureaus keep sending back to XXXX saying they have no record of the correction and removal of these mistaken delinquencies. In desperation I finally submitted the XXXX letter directly to the credit bureaus. Then was told If they hear nothing from XXXX  in 30 days matter will be resolved in my favor. By then I will have lost my attempt to apply for financing and my real estate purchase. Decisions on whether to approve a consumer for a loan application and at what interest rate and for what term all hinge on credit reports which for me currently reflect, in error, a major mortgage delinquency with 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 2023-03-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some oft he names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2020-06-04
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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Bread Financial Holdings, 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 was never late on the paid off account/s listed above. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report. Per 15 USC 1666b a creditor may not treat a payment on a credit card as an open ended consumer credit plan. Please update the payment history as PAANL status ( Paid as Agreed Never Late ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21
Company: Experian Information Solutions 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:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, EXPERIAN OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

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 2020-01-21
Company: Interstate Recovery Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is saying I owe {$840.00} for a magazine subscription. I was trying to win a {$100.00} gift card and one of the things offered was this magazine subscription. They said I had within 14 days to cancel. I did not receive any Bill or any information about this company until AFTER the 14 days were up. It came after the 14 day limit. Therefore I could not cancel within the 14 days because I did not have their phone number. After I got their Bill I called and told them to cancel. They refused saying I should have cancelled within the 14 days. I could NOT cancel because I did not have the phone number or the Bill. Now they have sent me a letter from the Interstate Recovery Service saying my debt is in collections. I looked online and the Interstate Recovery Service is a fraudulent company that has numerous bad reviews. I do not believe it is a real company. I called the number and a woman answered and said Hello? There was no automated voice and no numbers to type. She just said Hello? I said This is a scam. And she said How dare you talk to me that way? That cemented my belief that they are a scam company. When I got the Bill saying I had 14 days to cancel after the 14 day period I called and told them to cancel. The woman refused. So I changed all my credit card numbers. Now they say I'm in collections. I am filing a complaint against XXXX XXXX AND Interstate Recovery Service XXXX XXXX XXXX XXXX  XXXX, VA XXXX. Their phone number is XXXX XXXX XXXX. I refuse to pay {$840.00} to this scammer.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-21
Company: MNS & Associates LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2020 I received a call from an unknown person at XXXX XXXX XXXX  using a utah zip code number. They explained they needed me to verify my social security number and place of employment and assets with paperwork. They further went on to say that something would be " initiated '' in the next 24-48 hours which was very threatening. They didn't state what they were calling on behalf of or what debt they were trying to collect and didn't give their name. Only where they were calling from.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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 belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17
Company: SYNCHRONY FINANCIAL
State: VT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received a letter today, dated XX/XX/XXXX from Synchrony Bank. They are informing me that because of the number of dishonored payments, they have decided to close my account. This is the second account Synchrony has decided to close for the same reason within 2 weeks, all because of us switching banks around the time payments were due. This specific card is, or was, our Amazon Store Card. My next payment is due on XX/XX/XXXX. It is due on the first of every month, with only the XX/XX/XXXX payment getting sent back to them. I have never experienced anything like this. This bank alone has screwed my credit. I had 0 missed payments before them, and now I have 2 closed accounts. I had 0 closed accounts from creditors, only from myself. I have called them with zero assistance. I would like this company and practice looked into. I don't think a company screwing the working class should be allowed to do this. We were in the middle of buying a house. How do you think that is working out now? I hope whoever gets this message in what is most likely a cozy tax-payer funded office actually does something proactive, because what they are being allowed to do is definitely not helping to protect consumers as your "About Us" says.

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 2023-07-24
Company: EQUIFAX, INC.
State: TX
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 am a victim of identity theft please remove this unknown inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We have submitted all of the paperwork required by Flagstar Bank for a short sale. Flagstar repeatedly tells us that they do not have any of the documents. We have proof of the uploaded paperwork. We have met all requirements multiple times and have lost potential buyers for our home.

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 2021-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My husband, son and I were contracted to do work as XXXX using our XXXX XXXX XXXX XXXX for a job in XXXX of XXXX. Paper checks were mailed to us, however I realized in XX/XX/XXXX that we never received the checks, so we contacted XXXX XXXX XXXX let us know that they mailed the checks in XXXX and they were cashed. They provided us a photo copy of 2 of the missing checks ( the third was never cashed, nor did we receive it ). It looks like the checks ( checks XXXX for {$720.00} to XXXX XXXX and check XXXX for {$720.00} to XXXX XXXX ) were cashed on XX/XX/XXXX with a Capital One Stamp ( we do not nor every have banked with Capitol one ) and a signature that is neither mine or my husbands. ( see attached ) When I received these images from our agent it reminded me that in XXXX. we had break in at our home. An intruder broke into the lobby of our complex ( XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX ) and broke into ours, and all our neighbors mailboxes. My assumption is the intruders stole the checks and cashed two of the three. ( the third check issues to my son, XXXX XXXX still shows as uncashed ) I called Capitol One, and after and hour on the phone with them jumping from person to person I was told that I'd have to ask my employer ( XXXX XXXX ) to contact their bank ( XXXX XXXX ). So we did just that, XXXX has been working with XXXX XXXX and ultimately XXXX XXXX advised that there isnt an action that they can take to recover the loss as we sent it to the address on file and at that point, its out of our hands. They suggested that someone contact the police, file a report, and contact the bank that processed the check. 

I feel like it is the responsibility of XXXX XXXX to compensate us for the fraud, given that they cashed a check without checking ID or matching signatures. 

I'm frustrated with the run around and we simply would like the money that was stolen from us via fraud. 

ive also include a copy of a check that my husband and I have written and signed recently so you can see an authentic copy of our signatures

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions 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:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this 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 non-monetary relief
Consumer complaint received 2021-01-25
Company: CARD Corporation
State: TX
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:
On XX/XX/2020 my family and I hired and paid for attorney services to be provided to another family member currently incarcerated. Upon hiring this attorney it was discussed with this attorney Why and what we needed her for. She took my family members case with the agreement that she would provide the service we needed her for. Instead of her doing what we hired her for she did something totally opposite of what we hired her for. Since she did things her own way instead of what we paid her for I disputed the {$250.00} transaction with my credit card provider. The merchant we paid was also sent an email stating very clearly what we expected and hired her for. My credit card provider denied my funds to be REFUNDED back to me due to the fact they said the merchant clarified I received service from them. It didn't matter if the merchant didn't do what we hired her for is what my card provider told me over the phone. The services we received weren't what we paid her to do therefore the merchant being paid for what she didn't do should not be paid to the merchant. My card provider did Nothing to fix this issue and I wasted 30 days just to receive info they wouldn't refund my money. The dispute dept was also sent documentation showing I contacted the merchant and it stated she didn't do what we hired her for therefore all of my money needs to be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Experian Information Solutions Inc.
State: CO
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 and XXXX are falsely reporting late payments for XX/XX/2019 on the XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) XXXX did not have a direct customer service telephone number until very recently. At this time, they could only be contacted via email. I sent multiple emails to their representative to change my payment information. I was never contacted, nor were my emails ever acknowledged and nobody ever got back to me. Consequently, because of their lack of communication I was punished with a late payment on my credit report. This incorrect reporting is harming my credit score. Please delete these late payments 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 2018-12-27
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have previously filed complaints and attempted to resolve this with XXXX XXXX XXXX.

The account has now been sent to a MRS BPO, L.L.C. collection agency for collections.

I am including a letter for review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I currently have a credit card from " Barclaycard, Visa ''. On XX/XX/XXXX. 2021, I paid the account balance of {$1000.00}, which is what showed was due " on line '' and the automated system, that was confirmed with the representative. The amount was paid and posted on this same day. On XX/XX/2021 ; I found another charge of {$18.00}. I called the company and spoke to XXXX. I inquired about the charges and why the available balance had been dropped and continues to drop despite my high credit score? 

I am completely concerned about this company and their ethical business practices. I am a person who pays my bills on time or before they are due. Whenever I have paid the balance off, the next day or before the next bill is due on the XXXX of every month, I find this company has yet another charge on the account. When contacting the company to inquire why this continues to happen? I am given the excuses of it's the " Interest '' that was not paid. I asked them how can that be, if I paid off the account before the due date? I was given an excuse " because the interest is not added until after the billing cycle due date. I paid this bill in full the day before it was due, I inquired where Did they get the amount of money to charge yet another charge of {$18.00} on the next day, the day the payment was due? Then they will use the excuse that the Interest rate is based on the APR ( which I currently have a high score ). When I asked why my available balance had been dropped? I was told it was based on my APR and how much I currently owed before I paid them off. I have always paid my bill balance or requested payment by or on or before the due dates. I believe this is just another way for this company to STEAL from their customers. 
When I asked the Rep/XXXX, where the main office was, I was told it was in the UK. I asked about the address, I was told to look it up. 
Companies that continue to do business in this manner, I feel are allowed to RIP off their customers who work hard to pay their bills. At this point I am concerned as to how many more people are being ripped off? I am filing a complaint based on Unethical and Unlawful business practices '. I not only want them investigate but charged for the crimes, these companies are allow to continue to do to their customers who continue to pay their bills on time.

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