BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-23
Company: Diversified Consultants, 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: Old information reappears or never goes away

Complaint:
The account in Question with ( Diversified Consultants ) Account # XXXX keeps reappearing on my credit profile. I have a recorded phone conversation with both parties Diversified Consultants & XXXX XXXX stating that this account would be deleted of my credit its was paid in full with the original creditor but still remains on my credit. I tried calling both parties now there saying there is nothing they can do even thought I own no money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: Commercial Recovery Systems
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Received a call from phone number XXXX stating that I had a court hearing for a " civil matter '' in a voice mail. 

I returned the call with the case number they gave me, XXXX and asked what this was in regards too. The operator would not release that information until I confirmed personal information about myself such as my address and date of birth. 

I asked if they sent any notice in the mail about this civil action, and they said yes. I have to this date never received a notice. I asked the company name that the operator represents and the only information she would give me was XXXX out of XXXX Texas. I asked if the operator would give me their website and or physical address so that I could confirm that it was not a fraudulent call, and the operator refused. I asked if the operator 's company was a debt collection agency, and she stated " We are registered as a mediation company ''. Then she asked for my date of birth again. When I refused stating that I would only give it to her once she provided information about her company, she hung up.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: LA
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 : CARES ACT VIOLATION I am writing to dispute a Late Payment being reported by XXXX XXXX XXXX XXXX to my consumer report. I am requesting that the Tradeline be UPDATED to PAANL ( Paid As Agreed Never Late ) immediately due to XXXX XXXX XXXX XXXX violating the FCRA under the conditions outlined in the CARES ACT. The CARES Act explicitly states that if a consumer is granted payment relief or extensions then the grantor can not report the consumer as being Late on payments. 

The CARES Act was signed into law on XXXX XXXX, and Violations of the CARES Act protections will be enforceable under the FCRA once a consumer lodges a dispute with a CRA, thus triggering a furnishers reinvestigation duties under 15 U.S.C. 1681s-2 ( b ). The CARES Act provision is considered in pari materia with the standard for accuracy under the reinvestigation requirements of CRA-referred disputes under section 1681s-2 ( b ). Therefore, the CARES Act provision informs those reinvestigation duties. 

In accordance with the Federal Law outlined above, I exercise my rights under the FCRA that XXXX XXXX XXXX XXXX provide proof that they complied with the FCRA and ALL its mandated rules when it comes to the Provisions and Protections given to consumers under the CARES Act. I request 100 % certified and authenticated proof that XXXX XXXX XXXX XXXX was compliant with the FCRA in accordance with the CARES Act. 

Please be advised that you are reporting inaccurate, incomplete, and erroneous information on my credit report. The mere fact that you are reporting the Late Payment constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

If you can not provide this proof, according to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the LATE PAYMENT must be UPDATED on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and notice alleged debt from NATIONAL CREDIT SYSTEM. I do not know who this creditor is. Ive never done business with this alleged creditor or signed any contract with this alleged creditor. I dispute the validity of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
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: Investigation took more than 30 days

Complaint:
I have more than 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Shellpoint Partners, LLC
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 is missing that should be on the report

Complaint:
in XXXX of 2019 ditech mortgage sold my mortgage of 20 years to new/rez/shell point mortgage .resulting in catastrophic results to my credit scores! Shell point insist they have reported to all of the credit bureaus in which XXXX and XXXX ARE showing up after 3 months ... but as of XX/XX/XXXX XXXX XXXX DOES NOT SHOW A CURRENT MORTGAGE on my account ( Distorting my credit score by 50 points ) ..I have spent hours on the phone with shell point AND XXXX XXXX without a solution to this problem ..i am turning to CFPB as a last resort before retaining Legal counsel.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
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:
A lot of information on my credit does not belong to me! I have never had XXXX XXXX! I have never had any credit card! Never had any student loans! This is unacceptable!!!! YOU HAVE SOMEONE ELSES INFORMATION ON MY CREDIT AND IT NEEDS TO BE FIXED!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
As of XX/XX/XXXX, all of my student loan accounts with the US Department of Education have been in forbearance. The forbearance was granted by the US Department of Education Borrowers Defense program. Since XXXX of XXXX, I have been disputing incorrect information reported on these accounts. After each dispute, I would receive a letter stating the account was verified as accurate despite my sending in proof that they were not accurate. They are currently showing that I am in collections and they were not reporting the monthly payments I made on the account from XX/XX/XXXX thru XX/XX/XXXX. I also entered into an income-based repayment plan to satisfy my mortgage lender. The US Department of Education ended up refunding my $ XXXX   monthly payments since the accounts were in forbearance and they were not supposed to collect payments.

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 2023-05-19
Company: EQUIFAX, INC.
State: MN
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:
The following accounts currently listed and showing on my Equifax credit report has an incorrect balance XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX The correct balance on my XXXX, XXXX XXXX  and XXXX XXXX  credit card account is {$0.00}. The following credit card listed and showing on my Equifax credit report is lost/stolen : XXXX XXXX XXXX XXXX XXXX {$410.00}. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX  is lost/stolen and the current balance of {$410.00} is all fraudulent transactions. The following hard inquiries currently listed and showing on my Equifax credit report are all fraudulent and not my hard inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21
Company: Cornerstone Holdings, Inc.
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Cornerstone Credit repeatedly calls my phone regarding a debt they claim I owe. I paid the debt through the original creditor ( XXXX XXXX ) and have given that information to Cornerstone Credit, which they acknowledge the debt was in fact paid and they can not report anything to my credit report because it was paid through original creditor. They repeatedly call me to pay their fee, which the bill should never have been sent to them in the first place. I have requested they stop calling, which they do, then start calling again 2 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Westlake Services, LLC
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: Reporting company used your report improperly

Complaint:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Radius Global Solutions LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, so this debt isn't mines, I called and verified my info over the phone they stated that I'm not inside their database but It's showing up on my credit report. I want to have this 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 explanation
Consumer complaint received 2020-07-13
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit 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 placed an order with XXXXXXXX XXXX  XXXX on XX/XX/2020. The order was transferred by XXXX to USPS for delivery. The initial tracking information states that the order was delivered to an individual but after further investigation it was determined that it was not. I have attached email correspondence from USPS verifying that they have not been able to locate this package. I was advised by Comenity and XXXXXXXX XXXX   XXXX  to email them my documentation showing that my package was unable to be located. I did that on XX/XX/2020. I have contacted XXXXXXXX XXXX XXXXXXXX  in reference to this order several times and they refuse to investigate the matter further. As of today they have sent me a letter saying my dispute is closed and to contact the Merchant ( XXXX XXXX XXXX ). I have contacted the merchant via phone and email per their request on XX/XX/2020 and again today XX/XX/2020 and am still awaiting a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: CA
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 have been the victim of identity theft. A XXXX 's credit card has been opened fraudulently in my name, I need it removed and blocked from my credit report immediately. My name is XXXX XXXX. 

Account number XXXX Date opened XX/XX/2014 Account type Revolving

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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 am writing to you in regards to a recent notification I received concerning new accounts appearing on my consumer report that I do not recognize or have any association with. This letter serves as a formal request for the information related to these fraudulent accounts to be promptly blocked and deleted from my consumer report, in accordance with the provisions outlined in 15 USC 1681c-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: GSA Commercial Asset Management
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was no balance on my account when I stopped working for my job, But they have a deceiful bank - that uses a ro-bo machine that made-up amounts that I owe- that are false.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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 was looking at my credit report recently and I noticed a lot of fraudulent credit inquiries on my credit report such as, XXXX XXXX XXXX, Capital One Bank, XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22
Company: PRIMARY RESIDENTIAL MORTGAGE
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/18 for the second time on this loan, I made a principal payment via electronic transfer. The payment was for {$3500.00}. It was applied to my loan on XX/XX/18. On XX/XX/18, it was taken off of my loan, and held in unapplied balance. They said because the balance was over {$3000.00} they had to hold the funds until it cleared my bank. I asked them for documentation where I agreed to that and they said " it's an internal policy, there is no documentation available. '' Is it lawful for a mortgage company to apply money to a loan and then the next day remove that?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
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:
XXXX, XXXX, and TransUnion are reporting erroneous accounts. I have attempted to dispute these with the bureaus through the past year but no validation has been sent to me. 

Certified mail slips for the attached letters below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TU

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 2017-02-21
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was scammed by someone messaging me about interest in an item I listed for Sale on XXXX XXXX. The individual made me believe I had to open a " Business Account '' on Zelle in order for them to pay me for the item. They sent me fake transactions on their end and fake email messages pretending to be from Zelle. I was asked by the fake " Zelle '' that I needed to send a refund of {$200.00} to the buyer and then our original transaction and my " Business Account '' would be complete. 

I sent {$200.00} via my Zelle account to XXXX on XX/XX/2023, around XXXXXXXX XXXX. 

I then received another email from the fake Zelle account that I now needed to send another {$400.00} and there were a ton of typos in this final email. This is when I blocked the user on XXXX XXXX XXXX and reported the scam and fraudulent transaction immediately to XXXX XXXX, Zelle, and the FBI. 

XXXX XXXX said they would try to refund me the {$200.00} in question but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: MN
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 been XXXX for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : 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. All the above inquiries is unauthorized and should be disputed from my XXXX Report and all 3 Credit Bureaus XXXX Equifax And XXXX Under the laws of the FCRA these unauthorized inquiries and accounts must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
The Santander account was settled as a class action lawsuit. Which I was apart of and the account is still on my credit report. Which it should have been deleted. Not only because of the class action lawsuit but because its been over 7 years. This is a screw up I have sent supporting documents to all credit bureaus on XX/XX/2019 and this crap is still on my report I want it off ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: NEW YORK COMMUNITY BANCORP INC
State: KS
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Unfortunately my home mortgage was sold to Flagstar, which is the worse company for it to be sold too. My experience with Flagstar has been horrible to say the least. There commutation with me has only been one email saying welcome to Flagstar in XXXX. Than on the XXXX th day of XX/XX/2023 I get a voice mail saying I need to call Flagstar. So, I call Flagstar and found out that my account has gone to their collections dept. I asked the repressive why my account is in collections when I have not ever missed a payment on my mortgage for over ten years. The rep advised that my auto payments had been cancelled and that I would have to wait 45 days for them to be reinstated auto payments and set them up on line. I asked why where auto payment cancelled her response was because I did not conform my account. I said Flagstar has been taking out the payment on the tenth of every month since XXXX. Why did it change? The rep response was because you did not conform the payments so they dropped off the account. I asked the rep how could Flagstar drop off my auto payments for no reason and not give me any form of notice? The rep advised that Flagstar has sent me emails and letters in the mail. I checked my email and the spam box there was only one email there and that was welcome to Flagstar email in XXXX that was all. I have been receiving the statements but the is no information in the statements about my auto payments dropping off my account or my due date has changed. The rep advised we sent them and she tells me that my due date has also changed to the 1st of every month which was on the 15 of every month with XXXX XXXX again Flagstar changed this with out contacting me in any way. I feel that this type on negligence from Flagstar, and is a malicious attack on my good credit and a way for Flagstar to take my personal property.

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