BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to my bank to get a home loan and and the lady at the bank told me I was not approved. AT that time I wasnt sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX  XXXX  XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I dont know where they come from please remove them as well 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 XXXX 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  XXXX XXXX/XXXX  XXXX  XXXX  XXXX XXXX I have reached out to FTC and my local police department and I am doing this on my own behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26
Company: Diversified Adjustment Service, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been getting calls from this company - diversified adjustment services inc for quite a while. Potentially over a year, but I can not confirm if they were the original company. So I will stick with the current actions. I began receiving calls from local XXXX number 's that would hang up when I answered them. Sometimes the caller would call back and sometimes they would n't. Eventually, I learned that this company, Diversified adjustment was trying to contact me on a debt they said I owed to XXXX. Over the course of several weeks and 4-6 calls per day, I attempted on at least 3 occasions to request a letter showing who they were and what they said I owed because I was n't going to just pay some outrageous amount to some random phone caller. This request was denied repeatedly until last week when one agent finally agreed to send me a letter. I received the letter today and it implies that I have agreed to some payment arrangement and they expect my payment of XXXX $ on XX/XX/18. At no point did I agree to anything, Since they record calls I know they have this recorded, I also have the call recorded as well so they ca n't weasel out. As this is the first time I have seen a written request of this debt, I believe they are trying to remove my ability to contest the debt. At this point, no other action has been taken by the company other than the continued calls from a multitude of # 's. They did inform me on one call that they have over 150 lines that they call from. I was informed by the XXXX agents that I had already received a letter and would not get another one. I find this tactic to be extremely shady and I will be contacting them requesting formal evidence of the debt so that I may review and confirm if it is actual debt, but I am taking this proactive approach because that is what you have to do with shady companies like this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: LEXISNEXIS
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is a copy of a letter I sent to " LEXISNEXIS '' LexisNexis Consumer Center XXXX. XXXX XXXX XXXX, GA, XXXX To whom it may concern, I am requesting the immediate security freeze on my consumer disclosure report. I opt out of disclosing future information until further notice, including the clue report and all other reports furnished by lexisnexis regarding all personal information of mine. This security freeze is requested not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. Under the Fair Reporting Act ( FCRA ) you are required to comply. After this freeze has been filed please send me written confirmation to the address below. 

XXXX XXXX XXXX Social Security Number XXXX Current Home Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Previous Home Address XXXX XXXX XXXX   XXXX, XXXX  XXXX Phone Number XXXX I am providing the following documents that verify my identity : 1. Copy of my drivers license 2. Copy of my home utility bill 3. Copy of my United States Passport Respectfully, XXXX XXXX XXXX " LEXISNEXIS '' never responded or complied with my request. I will send the same letter via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: U.S. BANCORP
State: WA
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:
A credit card account I had with XXXX XXXX XXXX XXXX was sold without my knowledge to Elan financial services. I was on an automatic pay plan with XXXX XXXX and when I was not made aware of the ownership change the account went 30 days past due because the automatic payment arrangement did not persist with the new account transferred to Elan. Additionally during the period of the transfer of ownership I had a new job and was relocating so XXXX XXXX did not have updated address information that I could not provide until I found a new residence. As a result I did not receive any communication from XXXX XXXX or Elan about the change. I opened a dispute with the major credit bureaus. I want the 30 days past due removed 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 non-monetary relief
Consumer complaint received 2019-06-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to send almost {$2000.00} at XXXX and the transaction was cancelled due to having no ID. I was charged but never received the service. I was supposed to receive a refund back to my card but it never happened. My account has since been closed and I'm out of almost {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: MS
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been in the process of completing my financial responsibilities by requesting validation of debts in my name. I sent a formal request for validation and to receive communication in writing only to PORTFOLIO RECOVERY ASSOCIATES in a certified letter on XX/XX/19. According to the tracking number, the letter was delivered in XX/XX/19. I then received a phone call from their automatic dialer on XX/XX/19. I sent another certified letter to PRA 's CHIEF COMPLIANCE OFFICER- XXXX XXXX restating my request for communication in writing only and declaring my rights consumer on XX/XX/19, and according to that tracking number, letter was delivered on XX/XX/19. I then received another phone call from their dialer in ( XXXX ) XX/XX/19. I continue to receive harassing calls from their ( XXXX ) ( XXXX ) dialer to this day, the most recent on XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: Experian Information Solutions Inc.
State: MS
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: Problem getting your free annual credit report

Complaint:
XXXX years ago I could access every report I wanted present time today I can not access all of my credit reports and I keep getting the runaround for help

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 2020-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am filing a complaint with Consumer Protection Bureau against Capital One and XXXX. I didn't authorized this {$50.00} charges and when I first bought the XXXX year subscription I did it using Capital One XXXX application, so I don't know how XXXX got my credit card Information. It looks like Capital One is selling customers Information. I  contacted Capital One to dispute the charged but they told me that XXXX is a preferer merchant, that they can get my information even if I don't authorized it. Attached are all the documentation that I had tried to fix the issue with Capital One and XXXX. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have tried to call this company to tell this them I never authorized any Inquires with this company XXXX. I never heard of them. I tried calling them on 2 occasions. Each time they said they would remove this Inquiry since I had no clue who they are and never authorized anything. 

I do not have an account with this company. I did not apply for anything with this company.

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 2019-01-03
Company: ZARVAD III S.A.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
On or about XX/XX/2018, I found myself in financial distress. I foolishly logged into the XXXX XXXX website and requested an online payday loan. I was matched with www.mypaydayloan.com. I completed the application for a {$300.00} loan, then changed my mind and contacted this company to revoke the application. They deposited the funds despite this request. I left it alone figuring a company linked to XXXX XXXX would be reputable. On XX/XX/XXXX, my first payment was deducted automatically from my checking account in the amount of {$90.00}. I logged on www.mypaydayloan.com to check my documents and found I could not access anything. Because that triggered my instincts, I revoked the ACH authorization. This " company '' then began threatening me. I emailed this company on XX/XX/XXXX, XX/XX/XXXX asking for a mailing address and requesting that the threats cease. This " company '' continued to refuse to provide a mailing address and demanded my debit card number. I requested a mailing address AGAIN on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXX , the " company '' again refuses to provide an address. I requested again onXX/XX/XXXX. They again refused. I requested again. On XX/XX/XXXX they disclosed that they are in XXXX XXXX. On XX/XX/XXXX, they threatened to sue me for {$25000.00} if I did not remove complaints I filed against them. I again asked for an address. I need help. I have attached all email correspondences.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
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 status incorrect

Complaint:
Transition have taken my student loan account which is in a deferred status, and good standing and is showing it in a bad reporting status transition deducted 88 points off my credit score and as of yesterday XX/XX/19 another 58 points for the same factor which should reflect a deferred status because Im still a student   in school, I have tried to ration with this company but its the worse reporting agency within all three, please have them correct my account which should reflect deferred and in good standing and restore my points back which is 146 points that was 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 2019-07-05
Company: Clarity Services
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is a copy of the letter I sent to " Clarity Services '' Clarity Services, Inc. 
XXXX. XXXX XXXX XXXX, FL XXXX To whom it may concern, I am requesting the immediate security freeze on my consumer disclosure report and all other personal information of mine. Under the Fair Reporting Act ( FCRA ) you are required to comply. After this freeze has been filed please send me written confirmation to the address below. 

XXXX XXXX XXXX Social Security Number XXXX Current Home Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Previous Home Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone Number XXXX I am providing the following documents that verify my identity : 1. Copy of my drivers license 2. Copy of my home utility bill 3. Copy of my United States Passport Respectfully, XXXX XXXX XXXX " Clarity Services '' never responded or complied with my request. I will send them the letter again via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
WHY DO N'T YOUR CUSTOMER SERVICE RETURN CALL THEY PROMISED THEY WULD???? CAN SOMEONE PLEASE CHECK ON A PROBLEM I HAVE BEEN HAVE WITH THIS ACCOUNT. YOU REMOVED {$.00} FROM MY ACCOUNT AS AN ADJUSTMENT ON XXXX XXXX, 2017. I HAVE NOT RECEIVED A CHECK FROM BANK OF AMERICA FOR THE {$.00}. I WANT TO KNOW WHAT HAPPENED TO THE {$.00} AFTER THE ADJUSTMENT WAS MADE ON XXXX XXXX. I AM AWARE THAT AN ADJUSTMENT WAS MADE ON MY ACCOUNT AND THAT THE {$.00} WAS RETURNED TO MY ACCOUNT. IF I WOULD NOT HAVE CALLED BANK OF AMERICA WOULD HAVE KEEP MY MONEY. WHY????? CAN SOME XXXX PLEASE CONTACT ME BY PHONE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 submitted a complaint to XXXX, Transunion and XXXX regarding several errors that I found while looking over my credit report. Under the FTC I can dispute all inaccurate information on my credit reports. Please remove XXXX # XXXX and XXXX XXXX # XXXX from my credit reports as the information provided by the creditors is inaccurate and misleading. After completing a prior investigation, XXXX agreed to remove XXXX # XXXX and XXXX XXXX # XXXX from my credit report. However, XXXX has failed to follow through on its promise as the accounts still remain. Transunion failed to adequately investigate my dispute after verifying these accounts which I know are inaccurate. Please remove XXXX # XXXX from my credit reports as the date of delinquent is misleading and incorrect. Additionally, this account should not have a reported balance. Please remove XXXX XXXX # XXXX from my credit reports. I have reached out to this company repeatedly and have received no response. The balance, date opened and the payment history is incorrect. The company is reporting payment history in XXXX 2018 but this account should not have a balance. Please remove as soon as possible to avoid further damage to my credit and my reputation with creditors. I know that mistakes happen but it should not happen at my credits expense. Thanks for your time. 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 2019-07-05
Company: Experian Information Solutions Inc.
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:
Found these accounts and inquiries on my credit report : 1 ) XXXX : {$1900.00} opened XX/XX/XXXX 2 ) XXXX   XXXX : {$310.00} opened XX/XX/XXXX 3 ) XXXX XXXX/XXXX XXXX XXXX  : {$120.00} opened XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX XXXX : {$1400.00} opened XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX XXXXXXXX  : {$540.00} opened XX/XX/XXXX 6 ) XXXX XXXX XXXX : {$2500.00} opened XX/XX/XXXX 7 ) XXXX XXXX XXXXXXXX : {$460.00} opened XX/XX/XXXX Inquiries 1 ) XXXX : opened XX/XX/XXXX 2 ) XXXX XXXX : opened XX/XX/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 2019-07-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to my bank to get a home loan and and the lady at the bank told me I was not approved. AT that time I wasnt sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX  and there are inquiries on there that I dont know where they come from please remove them as well 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 XXXXXXXX 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 I have reached out to FTC and my local police department and I am doing this on my own 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 non-monetary relief
Consumer complaint received 2019-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to my bank to get a home loan and and the lady at the bank told me I was not approved. AT that time I wasnt sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I dont know where they come from please remove them as well 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 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 . I have reached out to FTC and my local police department and I am doing this on my own 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 2018-01-26
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: Account information incorrect

Complaint:
Hello, Today I discovered ( Negative credit item : XXXX XXXX XXXX for the amount of {$960.00} ) had been re-inserted into my credit file on XX/XX/XXXX and I did not receive notification. The Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify me no later than five days after the date of reinsertion and certify that the information is correct. 

Also, two late payments with XXXX XXXX XXXX XXXX and two unauthorized inquiries ( XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX ) were incorrectly added to my Equifax credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The alleged mortgage servicer has contacted XXXX XXXX XXXX XXXX to initiate foreclose on my property. This concerns me because I 've never received any information in the mail that my note had been sold nor I have I seen a copy of my note bearing any signature that would support the claim that This XXXX XXXX XXXX XXXX XXXX represents. Trust name : XXXX MORTGAGE PASS-THROUGH TRUST XXXX MORTGAGE PASS-THROUGH CERTIFICATES, XXXX XXXX. 

The Trust claims it owns the note by way of transfer from XXXX, XXXX, Depositor XXXX XXXX LOANS, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SERVICING LP,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation