BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-06
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: Account status incorrect

Complaint:
XXXX confirmed to me today that there should be no late payment on my account. My loan has been paid in full. I need this removed immediately, as it has erroneously dropped my score significantly. I no longer qualify for a mortgage that I qualified for before this error was reported. I have asked the credit bureaus to investigate, but even though XXXX confirmed via phone today that there was no late payment, it is still being reported on all three bureaus, effectively stopping me from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. 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 non-monetary relief
Consumer complaint received 2017-12-28
Company: F.H. Cann & Associates, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I signed a Financial Disclosure For Reasonable And Affordable Rehabilitation Payments on my student loans with F.H. Cann & Associates, Inc.. They based the monthly payment amount on my income. This has been being paid monthly since XXXX/XXXX/XXXX yet it is still showing as a collection that payments are not being made on with all 3 Credit Bureau 's. 
This is incorrect and needs to be fixed back to the date of XXXX/XXXX/XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Moneydart Global Services Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I initiated remittance for XXXX USD on XX/XX/XXXX thru " XXXX - Money Dart Global INC '' company till now i did not get money to my XXXX bank account its been almost 10+ days and no response on request sent. Called Customer support no response. I sent multiple mails them and to their head office listed as Money Dart Global INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Linebarger Goggan Blair & Sampson LLP
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a notice of violation from Delaware. A state I have never been in. The photos in this alleged violation shows a vehicle like mine but the photo of the license plate is too blurry to view it. They simply made a guess and sent me the violation. This was not my car and there is no other proof it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$670.00} {$0.00} {$670.00} Credit Limit : {$480.00} {$480.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$660.00} {$0.00} {$660.00} XXXX XXXX : {$500.00} {$500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I sent multiple dispute letters to Transunion, XXXX and XXXX regarding inaccurate information and they sent back a letter stating that the accounts are verified and updated still with inaccurate information. This has cause alot of hardship stop me from buying a home and being approve for other credit cards.

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 2019-05-12
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A credit is showing an incorrect original date for this debt. It has been sold and resold so many times that this company has had it twice It has always been under dispute with the original company pending receipt of an original bill to prove charges were all mine The first debt collection was dated XX/XX/2015.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
I returned an item that I purchased from XXXX XXXX XXXX, online, in XXXX 2017. I mailed the item back via USPS using XXXX return lable. They claim to have furnished me a refund through PayPal. Paypal claims they never received a refund from XXXX, to post to my account. I’ve been waiting for  MY refund since XXXX 2017 and have received little to NO HELP from either companies.  WHERE IS MY REFUND!?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-30
Company: Experian Information Solutions 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:
The following accounts are fraudulent 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 2022-01-08
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:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : 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 explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I found out about this credit card bill that is in collections. I am a victim of identity theft and I never opened this card nor ever received a bill for this acocunt. Capital One has repeatedly denied my claim of fraud and I wish to state that the phone number and the address associated with the account are not mine. I had other fraudulent accounts opened over the last two years and they have all been deemed as fraudulent in my favor. I would like for Capital One to deem this account also as fraud as it was opened without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
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: Problem with personal statement of dispute

Complaint:
I have asked Experian to remove the info on my report on a closed account and they will not let me submit a dispute, and the other credit reporting agency have allowed me to dispute these errors.

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 2022-03-08
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I recently tried to open a business account last year & I was told by NFCU that a check was deposited into my account years ago. My account was then overdrawn, closed, and the amount was never paid back to the bank. I have sent in several statements in this regard because someone tried to open a XXXX XXXX  XXXX account in my name as well. After doing my own personal research, I found out that scammers are at a all time high since the pandemic. I've been trying to correct all of my credit reports since last year. Any overdrafts on my consumer file should be paid in full. I should not any outstanding balances with any financial institutions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
After receiving a copy of my Transunion credit report, I noticed a few unauthorized credit inquiries that are reporting on my credit report. After many attempts of removing these unverifiable inquiries, they remain on my credit report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau in question, Transunion, is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that are posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract accompanied with my signature ) that Transunion has on file for the accounts listed below. Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified inquiries must be removed and if you are unable to provide me a copy of verifiable proof, the account list below must be removed. 

I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX, VA XXXX XXXX/XXXX Inquiry Date : XX/XX/XXXX XXXX/XXXX  XXXX XXXX, FL XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX, FL XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2017-11-06
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i contacted the company asking for verification as well as validation including my signature of a signed contract of this alleged debt. they sent back a bill which is no indication of evidence of my knowledge of this debt. i explained to them that i have been victimized by identity theft. they have yet to take action of any kind and its still reporting to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
THIS ACOUNT SHOWED UNDER MY XXXX AND EQUIFAX CREDIT REPORTS. I HAD AND STILL HAVE MEDICAL INSURANCE. I NEVER RECEIVED A BILL AND IT WAS SENT TO COLLECTIONS. NEEDS TO BE REMOVED. THIS IS NOT MY DEBT. I TRIED CALLING THE COMPANY AND NO ANSWER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/XXXX I applied for a XXXX credit line to purchase a refrigerator and stove. ( about {$1700.00} ) I was denied and told I would get a letter stating why. 

My letter came XX/XX/XXXX and I was appalled. And, based on this letter, I feel I am being discriminated against because of age, gender, and/or race. 
The letter was from XXXX XXXX. They stated my credit report showed the following : ( credit score XXXX ) 1 ) No open revolving accounts in my credit file ; This is a blatant LIE. I have had a XXXX Credit Card since XXXX ( in good standing ) 2 ) Delinquent or derogatory status on accounts too recent. Really! If so why doesnt XXXX and XXXX show this?. Only TRANSUNION has this information. 

3 ) Unpaid Collections Again, why doesnt XXXX and XXXX show this?

4 ) Lack of auto account information : Since when do you have to have auto information. My auto is paid off. This is one reason I feel Im being discriminated against. The age when women didnt drive is over!

I took this long to write because it has taken me this long to calm down. When you are not truthful with people, and insult their intelligence, dont be surprised how they react. I want this issue investigated immediately. 

In MY opinion, XXXX XXXX and Transunion drink from the same cup!

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 2017-11-06
Company: SYNCHRONY FINANCIAL
State: NC
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:
Date : XX/XX/XXXX Reference : Harassing Robo Calls Frequently Complaint on : Synchrony Bank, XXXX XXXX XXXX XXXX, XXXX Utah XXXX, XXXX. Debt Collections I have received frequent Robo telephone calls from Synchrony Bank on my business telephone. My call log on my report shows calls received from Synchrony Bank as early as XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. I have telephoned Synchrony Bank and ask them to do not call my business telephone number. I do not have ANY business with Synchrony Bank. I have no open accounts or past due accounts with this bank. On XX/XX/XXXX at XXXX XXXX, I call Synchrony Bank at XXXX and I spoke with XXXX ; she placed my call on hold for more than two minutes, and she did not return to the call. I am requesting your assistance in getting this issue resolved. 
Thank you.

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 2017-11-06
Company: Roosen, Varchetti & Olivier, PLLC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
*Dates/Amount and the action taken by : XXXX and XXXX 2017 served papers by county sheriff at my residence/Of the estimated amounts of {$2000.00} and {$9000.00} : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX representing on/ trying to pursue a lawsuit on behalf of XXXX  XXXX XXXX XXXX XXXX . They are stating I own a debt and can not provide the proof that this debt belongs to me. I would like for state legislators to prohibit private student loan holders such as XXXX XXXX XXXX XXXX XXXX from obtaining judgments when they lack proof that they own the loans that are the subject of the lawsuit. This is very misleading and embarrassing. What I think would be satisfactory to this solution would be for this law firm and/or XXXX XXXX XXXX XXXX XXXX to either provide the original promissory note/or original documents/proof that this is my debt I owe and to stop further collection activity on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Mortgage Research Center, LLC
State: NC
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:
Veteran 's United Home Loans based out of XXXX, MO pulled my credit report without my authorization. My husband had been working with them on a pre-qualification. I was not involved in any of their previous discussions. 

I did not authorize them to pull my credit report. When I called on XX/XX/XXXX to inquire as to why they did pull my credit several people were conveniently " unavailable '' to talk with me. On XX/XX/XXXX a person named " XXXX '' from the " Production Management Team ''  returned a call to discuss inquiry from XX/XX/XXXX. When I was able to speak with XXXX he informed me that my husband had filled out the online application and had given them permission to work toward a pre-qualification. When I contested his authority and my husband 's authority to grant permission to accessing my financial information his response was, " Your husband is allowed to grant us permission because you are legally married and he has that authority. '' Last time I check, this was not XX/XX/XXXX and I have my own rights independent of my husband and I am the only person who can grant anyone else access to my personal, identifiable information such as social security, HIPPA, etc. This includes access to my credit report. 

Veteran 's United Home Loans infringed upon my personal rights by accessing my financial information without MY express consent. The fact that I am married has no relevance in them not seeking my permission. I was not in contact with them during any point of my husband 's attempt to pre-qualify for a loan.

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 2019-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2019 a hard inquiry appeared on my credit report from XXXX, I didn't initiate this inquiry therfore it is fraudulent. I contacted XXXX and Trans Union and they are requesting a letter of deletion from the company. I contacted XXXX  corporate and they are unable to pull up the inquiry and referred me to consumer finance.gov.

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