BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$130.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Square Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
According to XXXX  transactions data, on the dates of XX/XX/2020 ( {$1700.00} ) fraudulently withdrawn without authorization and XX/XX/2020 ( {$2000.00} ) fraudulently withdrawn without authorization. Complaints were filed and verified immediately thereafter with XXXX.XXXX  via telephone by XXXX student/cardholder/claimant on or about XX/XX/2020. No complaint filed with police. 

Thereafter XXXX student/account holder/claimant received newly issued XXXX XXXX  on or about XX/XX/2020 ending in XXXX, however, said XXXX XXXX not showing on account. 

That, and XXXX student/cardholder/ claimant continued his request for refund through XXXX XXXX and XXXX on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed this XXXX account for over 5 months and the credit bureaus have yet to update the status of this account. This is violating my rights as a consumer. The credit bureaus must remove any inaccurate account from my credit file. I first disputed this account because the payment history shows that I was 120 days late 2 months in a row. This is not possible and is inaccurate. The credit bureaus also have not update the status date or included any comments that this account has been disputed. This is also inaccurate and the account should be deleted from my credit file.

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 2018-12-07
Company: EQUIFAX, INC.
State: MD
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:
Hello, I have been trying to dispute 4 accounts that are paid in full and are very old accounts. I've also tried XXXX XXXX to dispute which was a slow process in which I understand it ; s based off timing and how long I will continue to pay for services. Both XXXX  and Equifax are still reporting old information, but amazingly Equifax has removed and XXXX  continues to report. 

XXXX : : XXXX XXXX XXXX XXXX was paid off through XXXX XXXX because the car was total through an accident. I understand there was a few lateness, but why should I still be punished on my credit profile for an account that was satisfied? 
XXXX XXXX XXXX is a paid account from XX/XX/XXXX XXXX XXXX XXXX   XXXX : is a paid account from several years. I believe XX/XX/XXXX-XX/XX/XXXX Equifax : still reporting an account " XXXX XXXX that's been paid for several years ; XX/XX/XXXX-XX/XX/XXXX. They also state on my credit profile it was a charge off when I paid in full through a court decision. 

I take full responsibility of my mistakes and downfalls during a time when I was unable to keep up on payments with certain accounts, but i'm in a better space now and I don ; t feel like this should be continue as this cat and mouse game. XXXX XXXX will send me information that an account has been removed but when I look at my XXXX  account the issue is still there. Those issues are the accounts i listed above : " XXXX XXXX XXXX  '', " XXXX XXXX XXXX XXXX and " XXXX XXXX XXXX XXXX ''. 

As well as the one account Equifax is still reporting : " XXXX XXXX '' Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Bread Financial Holdings, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
I disputed a credit for capital one back in XXXX, and now they still showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attend XXXX XXXX from XXXX to XXXX as you many know they recently went bankrupt do to frauding students. While I was there I took out a private student loan. It was through AES American Education Services. My issue is why am I having to pay this back since I had to prove I was a student in order to get this loan and the school was do what they did to students. 
I am XXXX years old and i am my sole supporter. I will be close to XXXX when this loan is paid. They have worked things out in the past such as forbearance, delayed payments etc. Well I have used all those options. Well last year they did give a 90 period where I did not have to make payments I got caught up however I am 3 months behind again. I have called them and asked for help nothing. I was told the loan was held by National Co ligate Trust. They would not give me their contact nothing at all. I can not do anything in my life because of this. It is a burden on my cosigner as well. They will not release my cosigner. I am having to choose between paying my electric putting food on my table, or even gas to get to work. This has also effected me mentally. I have proof of this i am seeing a consular.I am getting nowhere. My life is pretty much over. no travel for me no buying new clothes, no buying extra food, or even taking someone out on a date. I am pleading for help. I am exploring everything. I want my money back this is pathetic they are getting away with this. My state attorney general wont even help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Affirm inc. 
Account number XXXX Unsecure loans Date opened XX/XX/2021 Status updated on XX/XX/2021 XXXX original amount Balance of {$1200.00} 6 month ter Balance updated on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2017-07-31
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I had received a letter from Rausch, Sturm, Isreal, Enerson & Hornick, LLC. Attorneys at Law (? )  representing XXXX XXXX XXXX, XXXX regarding a XXXX XXXX XXXX . The letter states they are attorneys. Yet online no listing in the XXXX XXXX XXXX nor Wisconsin Bar ; the letter states that they work out of XXXX, WI. The only time a debt collector needs to hire attorneys is to protect the firm against the Unfair Debt Collection Act and other regulatory complaint. The firm is asking me to pay an additional {$120.00} to take the case. It is XXXX XXXX XXXX that hired them not I. Again, Debt Collection agencies only hire law firms if the Debt Collector has broken the law or are knowingly engaged in illegal or unethical practices. The law firm in question has several illegal and unethical outstanding complaints. I believe there is collusion on both companies and would like my debt handle by another firm not has no association with the law firm or this debt collector. The phone number for the law firm is XXXX XXXX XXXX 's phone number is XXXX I believe that after investigation of this matter that the fake law firm should be fined to the point that they must file bankruptcy. Also, XXXX XXXX should be monitored more closely as their workers do n't sound licensed or that it is current. XXXX XXXX XXXX is aware that Raush, ect. Is not a real law firm. Anyone that is an actual lawyer that collects debts works on high end side like yacht and jet loans recovery. Not my account. A simple debt collector just needs a high school diploma, pass a background check and pass regulatory testing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: CURO Intermediate Holdings
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was made aware of the collection account after I had received an adverse action letter in the mail because of this negative account reporting. When I checked my credit report I saw this collection account reporting. I called to dispute this debt but ended up settling. But that was not an admission of guilt to the debt I just wanted to get it resolved. I never received the dunning letter that I read online that I suppose to receive letting me know I had a right to dispute this account within 30 days. However, I agreed to pay this account with the promise they would remove it. But the debt collector misrepresented the account and mislead me to believe that by paying the account it will be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
New American funding is lax in their ability to process.. I signed all th loan docs and wired money ,over 200000 grand . We were supposed to close XX/XX/XXXX then it changed to XX/XX/XXXX .The lender is saying that they want proof the the money is mine. .......I was robbed of my identity on Sunday ,XX/XX/XXXX so I had to change all my financial accounts.. I wired the money from my new account same bank. And they say its not my money. But THEY HAVE MY MONEY !!!!!! The sellers want to cancel because of the decrepancies of the lender ,XXXX XXXX,and her processor from XXXX XXXX.they are giving until XXXX  today. The lender did not act on this proof of funds being mine until XXXX XXXX on the day of closing,Thursday, after I signed the papers and wired the money.  They had since Monday. I have done everything they have asked for immediately. Even did not go to work in order to do so I may lose the house and my money is in limbo. Its  negligence and lack of ability to do their job which has caused much grief emotional,and financial hardship on all myself and the sellers and the realtors .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Exeter Finance Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Exeter Finance is reporting to my credit company that I owe a debt to them that was paid off with insurance and XXXX claims. This is from XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. I went through a Loan rehabilitation program with the US DEPARTMENT OF EDUCATION and the loan is now in good standings as of XX/XX/2019. This is in violation under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA - you are required to .... promptly DELETE all information which can not be verified or reported inaccurately '' The law is noticeably clear as to the Civil liability and the remedy available to me for me " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigation Consumer in the matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : Accounts be verified or deleted immediately : DEPT OF EDU/XXXX  # XXXX US DEPARTMENT OF EDU # XXXX US DEPARTMENT OF EDU # XXXXXXXX This is my only number XXXX All other telephone numbers are not accurate.

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 2021-05-02
Company: CrossCountry Mortgage LLC
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:
I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; FDCROSSCOUNTRY MORTGAGE is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. FDCROSSCOUNTRY MORTGAGE is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : FDCROSSCOUNTRY MORTGAGE XX/XX/19. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. FDCROSSCOUNTRY MORTGAGE is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Eagle Accounts Group, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i recently obtain my credit report due to covid 19 and notice accounts i did not authorize

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 2022-08-08
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX continues to have problems with their system were you can't submitted or provide proof of inaccurate information. 
XXXX continues to over look information that was provided as proof of reporting inaccurate information. 
XXXX is destroying me and family life by not fixing inaccurate report At this point I've submitted XXXX Dispute against ( XXXX XXXX XXXX ) XXXX YOU MUST FOLLOW FEDERAL LAW 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
PROHIBITION : a law or regulation forbidding something

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 2018-06-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I opened a line of credit on XX/XX/XXXX and was approved for a XXXX credit limit. On XX/XX/XXXX I called to see why i could no longer see my account online. I was advised by ( Superviser XXXX XXXX " who refused to provide me her last name '' ) that the account was closed due to a 3rd party informing XXXX  i had filed bankruptcy. I informed XXXX that my Bankruptcy was discharged about year ago and i had apply for this account after filing BK. XXXX then informed me its in there policy and theirs nothing they can do it about contact corp if i dont agree. ( she was very rude BTW and was not hopefully. ). I asked where in the terms and condition does it state that? IN the terms and condition it just states that my loan will become default if i BECOME the subject of bankruptcy, which i have not became a subject of bankruptcy since applying for the account. I could understand if i applied and was denied but i was approved. SO why approve me and then close my account a day later. Wouldn't i have just been denied when first applying if they dont allow account holders who have previous filed BK?

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 2021-02-20
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have XXXX and was informed of several attempts to open bank accounts/credit cards and through a three way call with XXXX and perspective institutions we were able to close all accounts. Yea I'm so happy! Then I pull my credit report and find several inquires/medical collection most ones we have already closed exception of two medical collections that was never mine in the first place. I called Equifax gave then my Security Pin for my freeze account and was asked several questions that i passed except for what was the last date you notified Equifax month/date/year. Now I never thought in a million years that when I placed a freeze that I would also have to document the date/time/year of my exchange. Now I am caught in a position that the only way to remove something off my credit report is to contact your organization. I explained to the person at Equifax that I answered all question even giving a round about year of last conversation. Also, stated I find it funny how easy it is to create fraud but can not take information off of credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Account ending in xxxXXXX and xxxXXXX MedicalXX/XX/XXXX reported XXXX XXXX Collections {$1900.00} ( Not My Account ) Medical XX/XX/XXXX reported XX/XX/XXXX Collections {$210.00} ( Not My Account ) Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: CITIBANK, N.A.
State: WI
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 I XXXX I booked a trip on XXXX  very excited about this vacation! Then unfortunately COVID-19 happened and I received an email from XXXX saying they are canceling my trip due to the COVID-19 ... I wasnt too happy and I understand its out of everyones control! So they tell me I can only get a credit that has to be used within a year during a nationwide pandemic and we have no idea when this pandemic will end!! Per there cancellation policy if I can I will receive a credit .... I Didnt cancel the trip they did!!!! So i file a dispute with my credit card company and its been three months and they closed my case & refuse to give me a refund!! In the mean time I lose my job & need my money back from this company that is trying to keep it!! I have no idea when the country is going to get back to normal & I am currently unemployed ... : i cant even believe this company is putting up a fight about this!! I need helping getting my money back all if this was out of my control!!!

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