BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
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:
Last week XX/XX/XXXX and XX/XX/2019 I received a text saying I needed to call bc I had an important matter that needed resolved. The next day I didnt answer and they called my ex husband who I have no communication with looking for me and it was for a debt that was 10yrs old to fifth third bank. They said I owed 4x the amount I owed and if I didnt pay a judge would order me to pay and I would end up paying 5grand thats 12x what I owed. They wanted payment now or id be going to court. Company is first alliance out of California supposely

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: SYNCHRONY FINANCIAL
State: MO
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. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 explanation
Consumer complaint received 2021-02-09
Company: Experian Information Solutions 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 called Experian about an account dispute. Today i received a message from Experian stating an account dispute had been opened. I logged into my account to review this information because i did not dispute any account this day. Experian would not tell me where this account originated from. All they could tell me was it was Medical. I dont owe any because any Medical treatment i ever recd is approved by my insurer to be paid in full. I had previously disputed this account several months ago and Experian removed the account since they did not verify the account within 30 days. Now this same account was able to open a dispute then put the account back on my credit report for this absurd amount. Experian could not tell me information how this investigation was done despite the email stating i could request investigation information ( see attached ). Heck they couldn't tell me anything. Please help me because this is wrong. Im sick of these scams taken advantage of people. 
Amount is {$1900.00}. 
Company is XXXX This amount is Nowhere to be found in any past billing for any facility! 
It's pretty sad that Experian, the credit keeper just allows this activity without proof. They said the collection co sent an affidavit and that was good enough for them. i asked Experian to please forward that to me and they told me No they didn't have to. 
This is pathetic how we are treated. 
And i just want to add how unreasonable and abusive Experian was to me on the phone. " I was told, " You can call us so why don't you call them '' really Experian! Why on earth would i call a scammer who just wants to scam me more. Her name was XXXX and the man i spoke with prior was worse. He basically told me to be quiet and let him finish talking. Uhm, if i need to interject regarding my personal credit report i will. He would not allow me to speak with a manager when i asked for management. Just unbelievable all around.

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 2020-05-12
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: Old information reappears or never goes away

Complaint:
XXXX  XXXX XXXX XXXX The account was to be REMOVED account was a account associated with Fraud of a Loan product that lead to loss of primary residence in 2007. 
I have written to XXXX  XXXX XXXX XXXX, your agency and Trans Union and XXXX  are still reporting this lowering my scores for years! Please reach out to them both I will attach the document which indicated the bank decision after the Fraud Case and The Federal Governments Decision to make XXXX  XXXX XXXX XXXX  correct the account. My problem is is this account was removed and placed back onto my XXXX  and Trans Union Reports after all the years. This needs a resolution immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Appearing on XX/XX/XXXX and Equifax is XXXX XXXX XXXX account XXXX. 
The balance on this account is XXXX dollars not what is being depicted. 
XXXX  automatically says the dispute is frivolous and won't allow a dispute..XXXX breaks the law the FCRA in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Amsher Collection Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a XXXX XXXX collection that just appeared on my credit file that does not belong to me. A year or so a ago another collection company reported a XXXX XXXX collection which I fought and now here we go again. How do I stop this from happening?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I Paid Mr.Cooper ( Who is servicing my loan ) XXXX dollars extra above the agreed mortgage payment. The extra XXXX dollars should have been applied to the principal, yet Mr. Cooper without any authorization made a double insurance payment to the home warranty account, in the amount of XXXX instead of the normal XXXX, and only applied. I called them and requested them to reverse the payment, but have failed to reverse it or reduce my principal in the amount of XXXX. After three attempts to get this corrected, Mr. Cooper informs me they are unable to reverse this payment due to it's been paid to a third party. My account was not outstanding, and I am not being charged interest on the home warranty, yet Mr. Cooper paid my home warranty to continue to keep their loan gaining additional compounded interest on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
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: Account status incorrect

Complaint:
This company is reporting inaccurate information after many attempts to try to get this corrected the company has yet to respond to any of my information submitted to them. They are reporting inaccurate across all 3 bureas. Information needs to be removed from the 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 2019-04-27
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: Personal information incorrect

Complaint:
Incorrect addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX WAY XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I am becoming emotionally stressed about this matter. This is my second complaint because they are saying my complaint is unauthorized. They say that to stall from investigation. They have not shown me proof of the account being late, and it shows the date last active is inaccurate as well. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted, and they seem to be ignoring the laws. These accounts have been preventing me from getting business funding and it's very stressful for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello. I have made several student loan payments to FedLoan Servicing that are not showing as being qualified. Many of these payments were made while being employed by two PSLF-qualifying employers between XX/XX/XXXX and XX/XX/XXXX. I submitted certification forms for these two employers to FedLoan, most recently on XX/XX/XXXX and have not yet heard back. I see that, in the time that I've been waiting for a response to my XX/XX/XXXX form submission, my qualifying payment total has increased but is not completely accurate. I see three issues : 1. When I was employed by one of the PSLF-qualifying employers, I made payments from XX/XX/XXXX through XX/XX/XXXX. This is a total of 13 payments, and none of these payments are showing as being qualified.

2. While employed by another PSLF-qualifying employer, I made payments from XX/XX/XXXX through XX/XX/XXXX. This is a total of 28 payments, but only 24 of these payments ( from XX/XX/XXXX to XX/XX/XXXX XXXX are showing as being qualified. This leaves 4 payments ( from XX/XX/XXXX through XX/XX/XXXX ) as not showing as being qualified. 
3. I have made consistent student loan payments while being employed by my current PSLF-qualifying employer from XX/XX/XXXX until present. There is 1 student loan payment ( for XX/XX/XXXX ) that is not showing as being qualified. 

These incidents total 18 payments that should be qualified and are not currently showing as such. Thank you for your attention to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 called, sent written notice, and disputed online for inquiries that I do not recognized and/or authorize. 

XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX Card XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXXand XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2020-08-27
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed a claim with XXXX XXXX about this collection on my credit report on XX/XX/2020 because the amount is wrong! It says {$110.00}. owed but it should be about {$64.00}. I got the results from XXXX XXXX today XX/XX/2020 and it says it was accurate? Then I call AWA Collections myself and they tell me the remaining balance is {$64.00}? So how is that accurate if it is not?! I would like them to fix this asap! How do you have someone paying it off but you can't simply apply it to the Credit Agency? This is my Credit we are talking about and they need to do their job to report and update the correct information. I dont know what kind of investigation that was when obviously it is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have notified TransUnion, XXXX and XXXX that I have things reporting on my consumer report as a result of identity theft. I have also sent an identity theft 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 2020-08-27
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 just check my credit inquiries on XXXX XXXX it is showing 5 hard pulls for XXXX cards. I did not do this I applied for this card over 2 years ago and only 1 hard inquiry should be reported. There are 5 of them which is affecting my credit score. I did not do the other 4

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 2020-08-27
Company: Experian Information Solutions Inc.
State: LA
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 submitted a dispute to the Experian by certified mail on XX/XX/XXXX and XX/XX/XXXX stating that this was not my account and requesting proof of account and it to be 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 2021-02-09
Company: Self Financial Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid my balance in full using my debit card on XX/XX/2021. The transaction appears on my bank statement as completed but there is no record on the creditors end as receiving it as of XX/XX/2021. They have reported the account 30 days late to all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Experian Information Solutions Inc.
State: PA
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:
Hey Experian, I never gave XXXX XXXX XXXX nor XXXX permission nor the right to report on my consumer report & the fact that these accounts are reporting on my credit report without any written permission is against the law. This is a violation as well as identity theft. Please reverse this under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Concerning the accounts listed below as a consumer I am demanding the deletion of the following accounts from my consumer report : 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 2019-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
PULL MY CREDIT REPORTS SEEN THIS DEBT ON MY REPORTS. DEBT IS NOT MINE, HAVE NO KOWLEDGE OF THIS DEBT. IF THIS COLLECTTION COMPANY CAN NOT PROVIDE ME THE ORIGINAL IFORMATION ABOUT THIS DEBT OR ACCOUNT. THIS DEBT SHOULD BE DELETE FROM ALL 3 MAJOR CREDIT BUEAURS. THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: CITIBANK, N.A.
State: MA
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:
My XXXX  credit score was reported as XXXX. I have no debt. I investigated and realized Citicards reported an {$8400.00} debt. This debt was settled via XXXX XXXX XXXX in XX/XX/2020. 
After 4 days of phone contact with Citicards I was told the account was sold to XXXX. 
I have proof of payment via XXXX - it was paid in full in XX/XX/2020. 

My issues are : # 1. Why was Citicards erroneously reporting a debt serviced by XXXX? 
# 2. The report caused me to lose an option of an Affordable apartment. I am so XXXX yrs. old and XXXX and have no other options right now. 
# 3. Proving the error to XXXX  has taken days and hours on the phone, info mailed, faxed, and emailed to produce evidence the debt was paid. 
# 4. Ive filed a dispute with XXXX but must wait 30 days for a decision, and I will lose the apartment. 
# 5. Im extremely angry about this injustice caused by Citicards and want some sort of Recompense.

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 2021-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This complaint is towards Capital One. I am a XXXX  citizen and I have been a card holder of capital one for over ( 10+ years XXXX. I notice on my XX/XX/XXXX - XX/XX/XXXX bill there was a late charge XXXX {$25.00} and interest {$7.00} XXXX. I call Capital One to inquire about the charges when I in fact ( 1 ) received my bill on XX/XX/XXXX and payment had to be submitted by XX/XX/XXXX and my payment was mailed to them on XX/XX/XXXX XXXX personal check ). After a lengthy discussion with an agent about the effects of COVID-19 on the delivery of mail, I was informed by the agent that there was nothing that they could do about the interest but they could remove the late fee. I accepted the removal and asked if I could speak to a supervisor about the removal of the interest. After speaking with a supervisor she stated that there was nothing she could do to remove the interest. On my XXXX - XXXX XXXX XXXX ) invoice I notice that there was a late fee {$25.00} + interest {$3.00}. I once again called Capital One to inform them of when I received my invoice and when I had mailed it off, XX/XX/XXXX XXXX bank cashiers check ). This time the supervisor stated that he would not remove the late fee nor the interest. According to Capital One 's agreement the billing period is ( 31 ) days and the card holder is asked to mail their payment within at least a ( 7 ) day period. On each occasion I mailed my payment more that ( 7 ) days given the mailing issues. It appears that to Capital one that I can get my invoice at least ( 10 ) days after the end of the billing period, which leaves me less than 28 days to send in the payment and this should be an acceptable practice. I am penalized for the downfall in the USPS but there is no penalty for Capital One. I'm not a XXXX citizen who is just speaking for himself but I am speaking for those XXXX  who will not speak for themselves and for those who can not speak for themselves.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my credit file I have a XXXX XXXX XXXX XXXX fraudulent account. I want this account removed from my credit file. And evidence of who opened the 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 2018-02-20
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2017 is my last correspondence with your company. I wrote to you to inform you about several incorrect and outdated information being reported on my credit file. You did nothing. The incorrect pieces of information are still in my file. There even accounts that Had been removed by other bureaus ( XXXX XXXX and XXXX XXXX ) and you refused to remove. This I think is a violation of the FCRA. Furthermore, I have requested investigation but for some reasons, the incorrect account opened to date, balance 's, inaccurate payment history has not been fixed. I am writing another letter to letter to you. I will be giving you 30 days to fix this mess.

Company response to consumer: Closed with explanation