BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
I previously use XXXX XXXX XXXX in NJ. On XXXX, 2022 my lease expires and I move to XXXX . I previously call XXXX to close my account on XXXX but they didn't close my account until XXXX and charged me for the entire month. I have called XXXX to close that account but they still keep charging me {$59.00} which equals the amount of the entire month. Regardless, According to N.J. Admin. Code 14:18-3.8, they must pro-rate the last month of the bill if it enters another billing period. I have called XXXX XXXX to settle down the account for {$30.00} but never get at least a {$30.00} refund back. 

Recently I realize XXXX put a record on my credit report that says I have {$59.00} past due. This is not correct and I shouldn't pay for that. This record impacts my credit by XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11
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: Their investigation did not fix an error on your report

Complaint:
I tried multiple time to work with Experian regarding these two unverified bankruptcies on my credit report. Every time they state that this report was verified with XXXX Bankruptcy Court. XXXX Bankruptcy Court mailed me a letter stated that they never released any information to Experian, so I called Experian. The worker of Experian stated that they verified through a third party regarding my bankruptcy. Its again the law to do so. Experian only used the last 4 SSN to verify bankruptcy ... This is clearly a violation of the Fair Credit Reporting Act. Experian need to do their job right according to the Fair Credit Reporting Act procedure. Attached are all of the ruling and documents to support my claim again Experian.

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 2021-05-20
Company: OneMain Finance Corporation
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: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company ONEMAIN FI account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: U.S. BANCORP
State: TX
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:
On XX/XX/XXXX me and other 500 clients were scammed by XXXX XXXX XXXX XXXX XXXX. They promised to render services as of the date the purchase and contract was made, they never did. The services were for them to open up my XXXX business, administer my business, and file any other paperwork on my behalf and they would also get paid 30 % from my earnings. My XXXX business was opened until XX/XX/XXXX and I did all the filing they never helped me with none of that. They only provided brief information on what I had to do to open my XXXX Their service fee was XXXX plus XXXX to a " lender '' who told me I he would help me get approved by credit card companies. This lender by the name of XXXX XXXX and XXXX from XXXX worked with the XXXX to get people approved within 30 to 45 min. Later on I found out they were also charging these fees to get extra money from customers. I got approved for XXXX {$11000.00}, XXXX {$10000.00}, 1st National Bank {$5000.00}, and XXXX {$4000.00}. My XXXX business was only up from XX/XX/XXXX till XX/XX/XXXX I notified my cards after I saw that my business was put on vacation mode for far too long with no explanation. I later found out by another client that the 4 owner/managers of the XXXX were suing each other. XXXX who was in charge of managing all orders for each store had stolen our personal information as well as card information. Later on XXXX, one of the owners posted on a XXXX group what was going on between them. He only put out that all stores would be put on hold. Most of the clients and myself did the buy back provision before the deadline and never received our money back. I only got the response from XXXX saying he could not sign the document to give back my money because he didn't have anything, to speak to his lawyer. He later on explained that they were suing XXXX to get all customers paid for since he had been stealing all the funds. I provided all information that the credit cards needed from me and made a dispute and they told me they could not help me since it had been more than the 60 days. I understand its more than the 60 days but these people promised me and signed contract which they fail to fulfill. As to what I understand these four credit card companies were contacted by them so I could get approved. I do not have the funds to keep paying for a debt that I got scammed and never had full service rendered to me.

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 2019-03-20
Company: NAVY FEDERAL CREDIT UNION
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:
I am an authorized user on this account and the card holders high balances and pay history is affecting my credit score and employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: Experian Information Solutions 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:
I am an authorized user on this account and the card holders high balances and pay history is affecting my credit score and employment.

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 2020-07-21
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: Account status incorrect

Complaint:
I spoke with the company reporting the incorrect information back in XX/XX/2020 and per a letter sent to me on their company letterhead they were forwarding a letter to all credit bureaus to delete the entry from my files. I contacted the credit bureaus but they are saying they did not have that information and continue to say they are still reporting as verifiable.

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 2023-05-16
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:
This complaint is my follow-up to my previous complaint that is disputing some items that came about to be fraudulent. This complaint is to notify you to block the following items : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: CORELOGIC 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:
My credit was pulled from companies I did not authorize. 

Credco Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : 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 2021-03-26
Company: Convergent Resources, Inc.
State: TN
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:
Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with.

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 2019-02-25
Company: EQUIFAX, INC.
State: CT
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 our XX/XX/XXXX XXXX XXXX XXXX mortgage statement, the fixed principal balance is {$190000.00} Original XXXX balloon mortgage was opened in XXXX with {$200000.00} balance. It was converted to {$200000.00} fixed mortgage with non-interest balloon in XXXX. On or about XX/XX/XXXX the mortgage or about was sold/ transferred On or about XXXX XXXX   transferred/sold the account back to XXXX XXXX XXXX XXXX has and continue to report to all Credit Bureaus conflicting, erroneous, and negative data which have had negative and adverse impact on all three Credit Bureau Reports . As a result of this, I have been denied twice because mortgage balance owed on account is too high I have tried for two years to correct this on my credit reporting by filing disputes with XXXX XXXX XXXX Office of the President, CFPB and all three Credit Bureau with no success. 
Errors include, but not limited to : XXXX XXXX XXXX ( website/statement ) Opened XXXX Original balance XXXX Current Balance XXXX Current interest rate XXXX Transferred to XXXX XXXX Equifax Credit Report XXXX XXXX XXXX Open Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX Balance XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX High Credit XXXX Months reviewed 99 Balloon payment {$180000.00} XXXX XXXX XXXX -closed Date open XX/XX/XXXX Date closed XX/XX/XXXX Balance {$0.00} High credit XXXX Months reviewed 12 Date Reported XX/XX/XXXX Balloon payment {$0.00} XXXX XXXX XXXX ( Closed ) Date opened " XX/XX/XXXX Date Closed XX/XX/XXXX Balance XXXX Months Reviewed 13 Balloon payment ( blank ) XXXX-Credit Report XXXX XXXX   XXXX ( Open ) Date opened XX/XX/XXXX Date of updated XX/XX/XXXX Balance XXXX High Credit Months Reviewed 66 ( 18 months -ND ) Date reported XX/XX/XXXX XXXX XXXX ( Closed ) Date opened XX/XX/XXXX Date closed XX/XX/XXXX Balance XXXX Months reviewed 13 Date reported XX/XX/XXXX XXXX -Credit Report Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX Balance XXXX Months reviewed 76 I have included Credit Reports I pulled on or about XX/XX/XXXX well as a spreadsheet ( data from credit reports and XXXX XXXX  statements ) which will highlight errors. 

I would appreciate any assistance you my give me. My email address is XXXX or I may be reached by phone at XXXX feel free to leave message. 

Thank you XXXX XXXX Attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech Financial has a date of opened on XX/XX/XXXX. This is not true my mortgage was with XXXX XXXX XXXX and was transfured to XXXX on XX/XX/XXXX now XXXX XXXX XXXX shows i had no morgage. I have all my payment to show .that means the bal of my morgage is still the same as it was in XXXX. {$52000.00}. that is not being showed. I am XXXX years old and dont know what to do i can not paid a XXXX   i am on ss only. 
please help XXXX XXXX Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 our XX/XX/XXXX XXXX XXXX XXXX mortgage statement, the fixed principal balance is {$190000.00} Original XXXX balloon mortgage was opened in XX/XX/XXXX with {$200000.00} balance. It was converted to {$200000.00} fixed mortgage with non-interest balloon in XX/XX/XXXX. On or about XX/XX/XXXX the mortgage or about was sold/ transferred On or about XX/XX/XXXX XXXX transferred/sold the account back to XXXX XXXX XXXX XXXX has and continue to report to all Credit Bureaus conflicting, erroneous, and negative data which have had negative and adverse impact on all three Credit Bureau Reports . As a result of this, I have been denied twice because mortgage balance owed on account is too high I have tried for two years to correct this on my credit reporting by filing disputes with XXXX  XXXX XXXX Office of the President, CFPB and all three Credit Bureau with no success. 
Errors include, but not limited to : XXXX XXXX XXXX ( website/statement ) Opened XXXX Original balance XXXX Current Balance XXXX Current interest rate XXXX Transferred to XXXX XXXX XXXX Credit Report XXXX  XXXX XXXX Open Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX BalanceXX/XX/XXXX -XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX High Credit XXXX Months reviewed XXXX Balloon payment {$180000.00} XXXX XXXX XXXX -closed Date open XX/XX/XXXX Date closed XX/XX/XXXX Balance {$0.00} High credit XXXX Months reviewed 12 Date Reported XX/XX/XXXX Balloon payment {$0.00} XXXX XXXX XXXX ( Closed ) Date opened " XX/XX/XXXX Date Closed XX/XX/XXXX Balance XXXX Months Reviewed 13 Balloon payment ( blank ) XXXX-Credit Report XXXX XXXX   XXXX ( Open ) Date opened XX/XX/XXXX Date of updated XX/XX/XXXX Balance XXXX High Credit Months Reviewed 66 ( 18 months -ND ) Date reported XX/XX/XXXX XXXX XXXX- ( Closed ) XXXX opened XX/XX/XXXX Date closed XX/XX/XXXX Balance XXXX Months reviewed 13 Date reported XX/XX/XXXX Transunion -Credit Report Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX Balance XXXX Months reviewed 76 I have included Credit Reports I pulled on or about XX/XX/XXXX well as a spreadsheet ( data from credit reports and XXXX bank statements ) which will highlight errors. 

I would appreciate any assistance you my give me. My email address is XXXX or I may be reached by phone at XXXX feel free to leave message. 

Thank you XXXX XXXX Attachments

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 2019-12-12
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2019 FOR THE AMOUNT OF {$730.00} AND WAS PLACE FOR COLLECTION

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: General Motors Financial Company, Inc.
State: PA
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 have a loan with GMFNANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and GMFNANCIAL with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
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:
All of the proper documentation was submitted on XX/XX/2020 and the bureaus didn't respond within the 30 days allowed by law and therefore every fraudulent account should be removed immediately! I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

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 2019-02-25
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent certified letters on XX/XX/2018, XX/XX/2018, and XX/XX/2018 to LVNV Funding LLC asking them to provide me with data to prove that this is my account. I have no knowledge of this account and have tried expressing that to LVNV Funding LLC, but they continue to call me about 15 times a day. I have asked them to provide signed documentation that proves I have contractual obligation to this account and even asked them for a copy of their State License and number and they did not provide this. Per the Fair Debt Collection Practices Act they are to provide me with this data to prove that this is my account and they have failed to do so, they must remove this account. LVNV Funding LLC bears the Burden Of Proof and the information they continue to send me does not provide evidence of the claims they have made against me. This is not my account, please delete this account. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: CITIBANK, N.A.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
To whom it may concern, I am writing in response to the closed CFPB complaint : XXXX. 
I received the mailed results however the evidence is not sufficient to verify and validate that this account is mine, As I have NOT received the original contract bearing my signature. 

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. SEARS/CBNA XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the ORIGINAL CONTRACT the information should be removed from my credit report within 30 days.I have attached a drivers license as proof of my identity.

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