BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-19
Company: Experian Information Solutions Inc.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft, the XXXX  XXXX account report is not my 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 explanation
Consumer complaint received 2020-05-06
Company: Remitly, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I transferred money to a friend on the XXXX and I paid for express delivery and they promised she would get it on the XXXX. 
It has been more than 10 days that I have been contacting REMITLY. Some days multiple times a day and they keep promising that will get it fixed but so far nothing has happened. I tried to ask about getting the money back and they said that after sending an email it will take up to 10 business days to get the money back. This is a joke that after waiting so long and paying for a express delivery that didnt happen I still have to wait another 2 weeks before getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: Strategic Alliances, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
First Financial Asset Management call me on XX/XX/XXXX regarding a bill by XXXX XXXX XXXX 3 years ago in which was paid. I call XXXX XXXX XXXX  in which they inform me that a copy of the bill shows paid by them to XXXX XXXX XXXX. There also mailing me a copy as proof from XX/XX/XXXX showing that the transaction was paid to XXXX XXXX XXXX XXXX. This bill was paid 3 years ago on XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: ONEMAIN FINANCE CORPORATION
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
One Main Financial has illegally used my debit card information to extract a payment which was higher than discussed. I have never allowed automatic deductions on this account. I have never knowingly given them permission to do so. It was never discussed with me. 

Date of Action : XX/XX/2020 Amount Deducted : XXXX Action Taken by Me : Dispute of Transaction at Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The Bureau shall seek to implement and, where applicable, enforce Federal consumer financial law consistently for the purpose of ensuring that all consumers have access to markets for consumer financial products and services and that markets for consumer financial products and services are fair, transparent, and competitive in agreement with 12 USC 5511 ( a ). In addittion, a timely regulator response to consumers in 12 USC 5534 ( a ). Please see attached for Professional Debt Mediation XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX : ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Alabama Housing Finance Authority
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for Covid related mortgage assistance through Mortgage Assistance Alabama on XX/XX/XXXX. I received a postcard from them in the mail on XX/XX/XXXX, stating that XXXX customers were able to apply for mortgage assistance if they had been unemployed after XX/XX/XXXX. I had been let go in XX/XX/XXXX and had been receiving unemployment benefits until Alabama ended benefits in XXXX. Since then I have had no income. I have submitted, then resubmitted forms. I have been instructed to sign forms regarding income and pay that are NOT mine ( pay or income ), and when I asked the processing agent ( XXXX ) why would I need to sign off on forms that don't even have my name on them? I was told that was what underwriting wants ( XX/XX/XXXX, @ XXXX XXXX  ). I struggle with why underwriting would require that. 

Today, XX/XX/XXXX, I was also told, on my call for clarity about what needed to be redone today, to complete a statement stating that I am not required to file a tax return. I am and do file taxes. I asked, " why would I do that? '' To which there was no immediate answer. I did not get the agent 's name, said she would need to send an email to someone to get more information and for me to wait for a reply. 

I have, so far, been able to make the mortgage, but my savings are depleted, and soon late fees and credit hits will happen because I'm still completing/re-completing and re-signing forms as the XXXX of the month and its grace period rapidly approach and we are late! 

The entire ordeal seems like a huge run-around and a way to avoid disbursing aid to needy taxpayers while pretending to try. It feels as though there is a hope that I will either give up or purger myself and therefore disqualify and legally harm myself. I have been printing, signing, scanning, and running to print shops in order to complete this never-ending application for aid for 10 days now. No application for help should require 10+ days and unending money for scanning and printing.

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 2020-05-06
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 a fraudulent collection account was placed on my Experian credit report. I immediately filed a dispute to dispute the account as its not mine. Experian in violation fcra laws updated the account on XX/XX/XXXX to reflect a different due month. 
There are no documents nor statements to validate my ownership of the account. 
I have not been to the doctors in years and my kids are covered under their dads insurance for all expenses. I reached out to him and he confirmed all services were paid by insurance. 
XXXX  collection in violation of collection laws has refused to provide supposed documents or bills. 
I did not receive any document or statement tying me to this fraudulent account. 
The fraudulent collection is being updated to fraudulently reflect activity that did not occur.

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 2018-12-07
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have a debt with XXXX XXXX that defaulted in XX/XX/2018. I have explained my financial circumstances to them and repeatedly asked that they only call me on my cell phone and to stop making harassing calls to my family and my spouse. 

Today ( XX/XX/2018 ) they called my husband and when he explained that they had the wrong number the associate proceeded to give him all of the information about my account and the debt. My husband is not and has never been an authorized party on any of my credit accounts. They have also done this to my mother and father. It is embarrassing enough not to be able to pay your debt but for them to repeatedly continue to violate my privacy is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion is reporting incorrectly that I am 120 days past due on the XXXXXXXX account. Please see the attached spreadsheet of reporting bureau and account number. Also, please reference pages 27 attached from my credit report. This account reports a {$0.00} balance and {$0.00} past due. However, it is coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2020-05-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted equifax many of time I was also in there date breach and I still havent seen any up date on my credit report I cant log in Ive been send verification of who I was many of time and I will not send it again it should be in my file my address been the same for years and I still havent been able to get anything with my credit report its false bankruptcy false history false and this effected me for years I sent FTC report I even try to file insurance with XXXX which Im a victim and I havent got through to nothing being XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: MARINER FINANCE, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This company has repeatedly call my home, my husbands cell phone. I speak with them about a payment that has bee made and they tell me they are going to check on it and don't. XXXX XXXX has twice reported to me that they are running my credit without my permission. This is damaging my credit scores. I tried to dispute this same thing in XX/XX/XXXX and today XX/XX/2019, I received a email from XXXX XXXX   stating that a new inquiry was added to my XXXX  credit report. I have no knowledge of this and did not give permission. 
We are responsible for our debts, but they keep giving me mixed emotions of what is really going on. My bank said a payment was made and I have proof. They tell me they are going to call me back once they check there records. I don't here anything about we discussed. They just keep calling for a payment.

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 2022-08-11
Company: EQUIFAX, INC.
State: MO
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMERICOLLECT , INC . I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One has reported numerous times inaccurate information on my credit report, this has caused my score to decreased by 39 for XXXX XXXX. XXXX  credit score decrease by 43 points. Account balance was paid below 30 % before XX/XX/2020. I notice Capital One has reported to the bureau last month on XX/XX/2020, and XX/XX/2020. My billing cycle closed date is on the XXXX of the month. In addition, Capital One has reported XXXX reporting on the XXXX, and the billing cycle closed on XX/XX/2020. This will not be the first time this inaccurate information been reported to the bureaus. In XX/XX/2020, I had the same issue with Capital One, and before XXXX. Every since I made a complaint with CFPB of Capital One reporting inaccurate information to the bureaus ; I have had nothing but problems! I reached out to Capital One on XX/XX/2020, spoke with supervisor ID # XXXX, I made a compliant, and there was not been not correction of this matter. And before I made my complaint, I talked to XXXX employee ID # XXXX. Still No correction has been made! On XX/XX/2020, I spoke to XXXX employee ID XXXX he confirms this was an error made by Capital One. And Capital One policy states one reporting a month to the credit bureaus. I ask how this issue can to be fix? XXXX states he could not fix this matter, and I was transfer and no one asker the transfer call. After I been on the phone with Capital One for 1 hour and 44 minutes. Please attachments of my concerns

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Experian Information Solutions 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:
On my credit report for my payments made for my  XXXX  credit card in (   XXXX   2017 it is coded as ND no data ) And it is showing up on my credit report as no data. I have had the credit card that was opened up in  XXXX  2017 with payments made on time from  XXXX ,  XXXX ,  XXXX  2017.
They are reporting ND- No data for the month of   XXXX   2017 for my  XXXX  credit card.

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 2020-05-06
Company: Experian Information Solutions Inc.
State: MA
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: Other problem getting your report or credit score

Complaint:
I XXXX XXXX have made three separate requests for a credit report on all bureaus, and the only bureau that complied was XXXX. I have no idea why it would take so long to obtain a free annual credit report, but I have showed Experian and XXXX XXXX the cover page from XXXX to validate my residency. I need for both bureaus to comply and release my credit report mandated through the Fair and Accurate Credit Transactions Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My wife and I un-froze our credit accounts in late XXXX or early XXXX to apply for a mortgage. All of the agencies other than Transunion re-froze the accounts automatically. Transunion said that we had to re-freeze ourselves. I had no trouble with my own account, but Transunion said that, although my wife had an account, they could not confirm her identity on-line, so call XXXX. We tried several times, but could not penetrate the answering system. Then I found a new " customer service '' number, XXXX. We called it three times. Each time we spoke to a customer service rep who said that my wife 's account had been " frozen '' because she gave a wrong answer, which was not true. Each time they put us on hold to check her account. After a long wait we were disconnected, so have not been able to freeze her account. They have promised to call back. They made that promise once before, but did not call back.

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 2019-04-09
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
When they first reached out to me on this issue, I advised them that I am at work until XXXX and would like to receive calls after XXXX or on the weekends if that is possible. They stated that they understood and notated on my account. I am now receiving multiple calls from this company on a daily basis. For the month of XX/XX/2019, I have received the following calls XX/XX/XXXX- called 4 times : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX- called 2 times : XXXX XXXX, XXXX XXXX XX/XX/XXXX- called 1 time : XXXX XXXX XX/XX/XXXX- called 2 times : XXXX, XXXX XXXX XX/XX/XXXX- called 3 times : XXXX, XXXX XXXX, XXXX There have been times when I am able to answer the calls during the day, but they dont respond and then the line disconnects. I acknowledge responsibility for this balance, I have spoken with this creditor on several occasions in regards to a payment plans which I can accommodate with my income.

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 2017-12-01
Company: ALLY FINANCIAL INC.
State: FL
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:
Ally Financial accessed my XXXX credit report without my consent : Ally Financial Inquiry from XXXX XXXX, XXXX Ally Financial Inquiry from XXXX XXXX, XXXX Ally Financial Inquiry from XXXX XXXX, XXXX Ally Financial Inquiry from XXXX XXXX, XXXX Ally Financial Inquiry from 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