BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-20
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-02
Company: MiraMed Revenue Group LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I reviewed my credit report and saw there was some medical debt from Merimed Revenue Group that I was unaware of. I have not received any correspondence on this debt so I am u sure if it is valid and have not had the opportunity to pay it if in fact it is. There are four accounts which have the same amount twice. Two for {$80.00} on date XX/XX/XXXX and two for {$180.00} on XX/XX/XXXX. I was advised I could pay the debt and it would show {$0.00} but would not be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached 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 2019-07-30
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a dispute for two small medical collections from XX/XX/XXXX. They are duplicates so only one account should be reporting. Further, insurance paid the bill so it should not have gone to collection. Originally it showed up as two collections for XXXX dollars and showed paid and closed in XX/XX/XXXX. After dispute it now still shows as two collections for the same amount but makes it appear that they were just paid and closed on XX/XX/XXXX. When I call to discuss with equifax they tell me that my security answers do not match my profile so they can not discuss my report with me. I was reading the answers to their questions about my active accounts directly from a current Equifax credit report so not sure how it was not matching. So they not only botched the task of removing the collection, which the other two bureaus did in less than a week, but now they are giving me the run around by telling me they cant discuss their error with me over the phone and I have to mail in my information and drivers license to them. How could my information not match what is on my Equifax credit report? I am trying to purchase a home and those collections are the only blemish on my credit. By making them look like they are from a week ago it dropped my score 10 points. I need this resolved ASAP. At the very least remove the duplicate and put the date in the other back to closed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Caliber Home Loans, Inc.
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I kept receiving notices that we could lower our monthly payments or refinance our mortgage. So instead of going with my normal broker, I gave caliber home loans a try since our current mortgage was with them. I dealt with XXXX XXXX, what started off as a great conversation and superior customer service turned into one of the most disturbing and unfortunate situations.
After a three hour phone call, he told me we were approved. Next step was getting a home appraisal, he told me to use a credit card that I planned on paying off with our refi/debt consolidation. {$850.00} for a home appraisal- Once he took that transaction over the phone, it was like he disappeared off the face of the earth. I would call, email, text With questions about where we were in the process. He blocked his phone number so we could not get in touch with him. I know he did this because I would try from a different phone numbers and it would go through successfully. My husband finally got through to him on the phone, and XXXX would just continue to make excuses and ask questions as to delay the process. 2 1/2 weeks later we were still In limbo/ waiting ... after being told we were already approved and signing paperwork. Now out {$850.00} on top of her other debt we were hoping to pay off with our refi, I finally called the customer service number. They told me that he did in fact exist, and that someone should have been in touch with me. Then we find out that we were not approved, we were completely left in the dark and {$850.00} more in depth. Never a phone call and email a response. I have email after email of trying to touch base with him he finally responded at the end apologizing that he did the best he could!!!
After this experience, I went back to my broker in tears. I totally got reprimanded for not using him in the beginning Luckily XXXX  at XXXX XXXX in XXXX Oregon Took over, used the current home appraisal and got us approved for a refi. his company hounded XXXX for some information and again no response- they needed to go directly to customer service and request the information that they needed. And in the end they were the ones who encouraged us to file a complaint against caliber home loans and XXXX XXXX as this is completely and totally unacceptable.
I have emails that I could probably pull up off the cloud if necessary, I do have the current emails from XXXX XXXX attempting to reach out to XXXX for information multiple times.
Caliber home loans is a total joke, I would never recommend them, use them or return to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
company is reporting this unauthorized information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX agreed to remove their account from my Credit Bureau reports. I discuss my account with XXXX several times in XXXX XXXXXXXX because of major discrepancies with 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 2018-01-05
Company: Experian Information Solutions 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:
Ive contacted Experian through the US mail to dispute XXXX XXXX XXXX XXXX account that is reporting on my credit report several times. After each investigation, I received a correspondences letter that read they verified the information as correct. I then proceeded to request copies of the documentation they have used to verify the information, specifically the contract, note or other instrument bearing my signature that was used to verify that I had a contract with XXXX XXXX XXXX as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Experian did not provide any of this documentation that the law states they have to provide but only sent a letter that I received XXXX/XXXX/XXXX. This letter stated they would not reinvestigate this account. Again, per my last letter that was sent certified US mail on XXXX/XXXX/XXXX with tracking XXXX I specifically asked to provide proof of this alleged item with the instrument bearing my signature and nothing was ever provided.

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: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX is reporting on my credit reports a collections account that is not mine I never opened credit cards with XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit report shows XXXX XXXX XXXX I had credit cards opened under my name without any authorization. They keep reporting to XXXX and XXXX I need this removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: SYNCHRONY FINANCIAL
State: LA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
To Whom This May Concern I am the rightful beneificary on a cd account with Synchrony Bank. My uncle XXXX on XXXX XXXX this bank allowed XXXX XXXX to mail a fraudulent change on beneificary after the date of XXXX and it had the date before XXXX but was received to them after XXXX Synchrony accepted it with XXXX XXXX signing all paper for XXXX XXXX no notarized notary seal was needed. XXXX XXXX had 2 account and i was beneficiary of both policys Synchrony Bank only paid me for one account. I mail a letter to Synchrony Bank making them aware of the situation and i receive a letter from the President XXXX XXXX XXXX stating they had receive the change with prior dates before XXXX but after XXXX and they had made the change. XXXX XXXX XXXX stated they allowed these frudulent activity to go on at they bank. My lawyer stated they to me under state law no changes are acceptable to any account after account holder have XXXX all changes should made while all parties are still living and if you should XXXX while changing beneficiary its null and void. Account holder must be alive to make these changes. Synchrony bank state they have different rules that they follow and they allow you to make changes if they receive paper work after you are XXXX. XXXX XXXX Police Department has been notified police report number is XXXX and XXXX had tried to change another policy but he was not able to do because he had to get the form notarized from a notary. I have all this information if this is needed all i want is all money back to me the has been fraudulently taken from me. XXXX XXXX told me he was going to change these policy but i did n't know they allowing these kind of changes after XXXX this company can look at the date they change this XXXX XXXX XXXX at XXXX Saturday morning i sent them the 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 2021-09-15
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/1981 SS # : XXXX Hello, Back on XX/XX/XXXX I requested validation of : XXXX XXXX XXXX Account Number : XXXX I never received validation and it is still reporting incorrect payment history as shown in the attachment. I never missed any payments. This has upset me and hurt me mentally, physically and emotionally and I am requesting that this account be deleted, that we look into arbitration and that I be awarded remedy in the amount of XXXX dollars paid out to me by check and mailed to the address listed above. This is XXXX from the credit reporting agencies as well as from XXXX XXXX XXXX. My affidavit of truth is being written right now please look forward to it. Please cease all contact aside from communication through the CFPB portal. Any documents that you may want to provide should strictly be uploaded here. Please adhere to my terms explicitly!!! 



Thank you. 
CC XXXX XXXX, Esq

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2018-01-05
Company: Thaxton Investment Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I don't believe this is my loan and i told them that. I asked for a copy of the paperwork they say i signed and they would not mail me a copy. I told them i was going through a divorce so my husband may have done this to me. I had to send them a certified letter in order to get a copy of this letter that they say I signed. Once i received the paperwork it was computer generated and was not mine.The company is harassing me at work after I ask over the phone and in writing twice to stop calling my job. An employ from XXXX XXXX has told two people details about this loan. XX/XX/XXXX around XXXX she called my job and spoke to another employee at my job in detail about the loan. I have had the branch manager XXXX XXXX-XXXX be verbally abusive and has threat me.I have recordings of some of the interaction.

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 2022-10-06
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I had requested a refund from nelnet on XX/XX/30 which they had approved & since then I have had no contact & no refund from them. As this refund was for {$21000.00} I think it is very disrespectful to move so slowly with no contact with such a large amount of money. During this call they had stated it would take 4-6 weeks to process. As we approach the 6 week mark with no contact I fear they have not made me a priority.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: AES/PHEAA
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have been disputing the late payments showing on my account for Fed Loan Servicing which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX I used cash app to wire funds in the amount of {$810.00} to a supposed XXXX XXXX for a XXXXXXXX XXXX  trade. They said to use this name and send the funds for bills and food but come to find out it was a scam and I tried to decline the transfer but it had already gone through. The people then threatened me to send more money and hacked my social media to then scam other people out of money. I reported it with cash app and supposedly did an investigation into the scam but said they could not recover the funds. My bank said to try with them first and there was no luck and since it was approved they will not pursue to get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ive been having trouble trying to get this item removed from my credit. To my knowledge I maxed out my credit card while going through financial hardship. My credit card limit was {$500.00}, It says I owe a whopping {$790.00} which is ridiculous. Ive proven I was able to make on time payments, by going from {$300.00} to {$500.00} increase. The last payment I made was on XX/XX/2020 in an attempt to start clearing the debt, and they decided to close my credit card on XX/XX/2020. I would like to see what can be done about this, Is one of the more serious reasons my credit score plummeted, making it hard for me to acquire almost anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Spring Oaks Capital, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Contacted XXXX XXXX to resolve the amount and was advised to contact the collection agency Springs Oak Capitol LLC. Contacted Springs Oak Capitol to resolve balance owed from XXXX XXXX in XX/XX/2021. 

During my conversation with Agent, we agreed on a settlement payment to clear account for deletion on Credit Report. Payment was made and resolved on XX/XX/2021 and I was advised that details would be submitted to Credit Bureaus to have account removed from credit report. Report was sent to credit bureaus on XX/XX/2021. 

I called Credit Bureaus to request account from XXXX XXXX to be removed as account was paid and no longer owed. Credit Bureaus agents advised that account can not be removed as it shows its still owed to XXXX. I submitted supporting documents to advise of payment for deletion and items still remain. 

The items should be removed as the debit is no longer owed and agreement was a pay for deletion.

Company response to consumer: Closed with explanation