BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-27
Company: RFNA, LP
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have been working with a legal firm, XXXX XXXX, to resolve a debt owed to Republic Finance. There was a judgement against me which was handled by Attorney XXXX XXXX phone # XXXX. A payment of over a thousand dollars was made to the office of XXXX XXXX by XXXX XXXX and I made an additional payment earlier this month as agreed. This morning I looked at my bank account and it had been completely garnished, along with my savings, and the two savings accounts of my XXXX adult children. 

I have acted in good faith and made every attempt to make payments and resolve this issue. At this very moment I can't even buy groceries or put gas in my car because these unscrupulous people have taken all my available funds. How can I work and function to resolve this when I can't buy groceries or put gas in my car to get to work??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: AZ
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$28.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$720.00}. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

CHILD SUPP Child support with account # XXXX opened on XX/XX/XXXX and a balance of {$130000.00}. 

I couldn't apply for home loan due to this negative items on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This card shows on my credit report and it does not belong 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 2020-10-27
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2018 I was trying to get ahead on a monthly recalculating mortgage. I realized that is impossible. During the process a payment check of mine was cashed by Mr. Cooper. The payment was originally applied to my mortgage. Then it was reversed. Then the payment went to unapplied funds and then it disappeared altogether. 
I contacted Mr. Cooper right away. For 2 years I have been trying to fix this with Mr. Cooper to no avail. I have called and written, originally through the RESPA requirements. I got nowhere with that. I am now reaching out to CFPB to see if you can help me. I need to have the lost payment applied as of XXXX of 2018 and ALL subsequent payments recalculated to bring my mortgage balance down to where it should be. I have been overcharged on my mortgage interest and have carried an incorrect balance for 2 years. Also, I did print out a computer generated payment history which has all transactions numbered. The numbers I have are 1-185. There are several missing entries. One of the missing entries is at the time of this missing payment. Can CFPB help me? I am a senior. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
PLEASE RE-INSERT THE FOLLOWING ACCOUNTS BACK ONTO ALL CREDIT XXXX/XXXX, XXXX BOTH XXXX, 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 2019-09-17
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: Their investigation did not fix an error on your report

Complaint:
I have tried numerous times thru equifax dispute process to remove an aged account that should be deleted, other bureaus have deleted it, but all I get is an automated response after waiting 30 days or more from them. After reading the fcra this account falls under the guidelines to be deleted! The inaccurate reporting of this is causing me financial harm

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In the month of XX/XX/2020, I received a business loan for my business ... I used my personal bank account due to me being a sole proprietor, Capital One then closed my account & refuses to release these funds or send them back to where I got it from so I can attempt to get the money back. My case with them has been closed & they provided false information towards my EIN number that I have. I would like for them to release the funds to me or send the money back to SBA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: OH
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:
My date of birth is wrong on Equifax credit report. I recently found out a care provider ( I am XXXX ) used my social with a different birthdate to open accounts. My mother did not know and had made payments on some of them. Now that we know we need the credit reports to show my correct date of birth and accts removed as well. I already submitted CFPB complaints and thru all XXXX burueas. XXXX is completely resolved, XXXX updated the date of birth but has changed it back a few times and Equifax is still wrong, correct birthday is XX/XX/2003

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$8200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion has ripped me off for years. First I have HARD INQUIREY from XXXX XXXX XXXX XXXX. This qas XX/XX/2021. I have done everything to show them this is their fault or computers fault. I don't know about fraud because how could they get past credit freeze which has been on report for years. What ever issue they transferred everything to XXXX and they actually are taught to do everything to say your wrong. How is our credit ruled by XXXX personel. This is there mistake and after paying them thousands to help with credit they have done nothing but be unproffessional.How could a hard inquirey go through with credit freeze and they don't follow FCRA sections like to sw every thing they did to show how they investigated. This isfeaud by the 3 biggest credit agencies because I have same prob l m with a company on each bureaus.

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 2022-01-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2020 I received direct communication from Barclay 's for a {$20.00} statement credit on my XXXX XXXX XXXX Card if I were to make 3 orders for XXXX XXXX of any amount during the month of XXXX. I completed the terms on XX/XX/2020 with three separate purchases. The terms days the credit will post to eligible accounts 6-8 weeks after the end of the promotion ( XX/XX/2020 ). 

On XX/XX/2020 I contacted Barclay 's about this promotion not being honored, and was told that I did in fact complete the terms, and that a statement credit would post within 10 business days. 

On XX/XX/2020 I reached out again, and was told that I still had not received my credit due to " an issue with the bank ''. No timetable was given. 

On XX/XX/2020 I reached out again, further acknowledgement that I fulfilled the terms, but no timetable given as to when the statement credit would post. 

On XX/XX/2020, I called to inquire about this promotion which has now gone about two months past the end of when payment was promised. Still no timetable given.

I see no willingness on Barclay 's part to honor this promotion which is easily solved with a simple {$20.00} statement credit.

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 monetary relief
Consumer complaint received 2020-10-27
Company: Franklin Collection Service, Inc.
State: NV
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 XX/XX/XXXX I contacted Franklin Collections requesting them to verify that a collection account for {$670.00} they are reporting to the credit bureau was mine. As of XX/XX/XXXX Franklin Collections has not verified nor replied to my request. On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX, Franklin Collections replied on XX/XX/XXXX stating that I needed to contact XXXX XXXX XXXX/XXXX  XXXX directly to resolve the issue. I contacted XXXX XXXX XXXX/XXXX  XXXX  directly and received a letter on XX/XX/XXXX from them stating that I was not responsible for the debt. I was told by XXXX XXXX XXXX/XXXX XXXX  that Franklin had also been notified that the account does not belong to me. On XX/XX/XXXX I filed a dispute with XXXX, I enclosed the letter from XXXX XXXX XXXX and police report. On XX/XX/XXXX I received the dispute results from XXXX  stating that the Franklin Collection had verified the account to be accurate and belong to me. Franklin Collections has not verified the collection account and is reporting false information to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Experian Information Solutions Inc.
State: WI
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:
To whom it May concern : After recently reviewing my credit report I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX -- -- XXXX ) in the ( BALNCE ) & ( PAYMENT STATUS ) section. XXXX  is reporting a balance of {$22000.00} with a current payment status, Experian is reporting a balance of {$22000.00} with a current payment status and XXXX  is reporting a balance of {$22.00}, XXXX with a current payment status now all three of these balances cant be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different. The balances listed on all 3 reporting agencies is the current balance on my account either. My current balance is {$21.00}, XXXX. It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE the erroneous item immediately Thank you, 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 2020-10-27
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent Citi bank a letter informing them that the information being reported to XXXX  XXXX  and XXXX  was inconsistent so I dont know who is reported accurately. I asked citi bank 3 times to provide me with the accurate information about the listing. I asked them to send me validation for the account and the only thing they have sent me was the status of the account saying when the last payment was made and how much it was, thats not what I was asking and they have send the same letter 3 times. I sent 2 more letters to them that they have not responded to but I have a return receipt from them and they have refused to fix the problem. I want this account removed from my credit reports 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 explanation
Consumer complaint received 2018-04-27
Company: Conn's, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I have had numerous accounts with Conn 's in XX/XX/2017 I received a phone call to make a payment over the phone, at that time I had 2 accounts with 2 different due dates, the representative told me that she could merge the accounts and they have 1 due date and I agreed to that a due date of the XXXX of each month. For months I have been paying {$130.00} and they have posted to my account. I had no clue that the accounts were not merged until I received a notification that they were reporting me 30 days late on my credit reports. I called and went around in circles with not so articulate customer service representatives. I also take issue with the fact that they added on insurance to my items though I told them I have homeowners insurance yet is was forced upon me anyway. These people are forcing consumers to purchase their insurance and I do not believe that is legal. By the way for some reason the online option is an issue and they tell you in the store that it does not work, NOTICE that all of my payments are made in the store except 1 and that one payment that this transaction was suppose to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Personal information incorrect

Complaint:
Capital one intentional put this comment on my credit report because I decided to close my account. 

COMMENT ADDED BY CAPITAL ONE : Account closed at consumers request and dispute investigation completed consumer disagrees. 

Please Note : What is accurate about the statement : I did make the chose to close my account Capital One as it was no longer a trade-line that suited my needs anymore. I also sincerely felt under-valued as a customer by Capital One. The tramline limits where extremely low and rates to high in comparison to my other trade-lines. I also did not have the best customer service experience with request to adjust rates and increase limits. Thus, I chose to close the account in good standing. 

Was is not accurate about the statement : No dispute was filed internally with Capital One, nor with XXXX, XXXX, or XXXX regarding my request to close an account ( I simply just went online and closed it ). Nor a dispute regarding balances, credit limits, or interest rate. Thus, it is false to make such a statement on the comments of this closed trade-in. As there was no Resolute to dispute. I just simply didn't want to do business with Capital One anymore. 

Furthermore, I sincerely believe this type commenting was intentional place on my file in a malicious to insure other credit opportunities might be withheld from me by implying that I dispute after resolution. Which would be a direct violation of the Fair Credit Reporting Act. 

Thus, I am requesting the comments be removed completely from XXXX, XXXX, and XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 opened a Savings account on XX/XX/2021 at XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX in XXXX, Ohio with a XXXX XXXX XXXX ID : XXXX and when I arrived home I received an alert that I had a Hard Inquiry on my Transunion credit report from XXXX XXXX XXXX XXXX. All I did was open a Savings Account & all I signed was a signature card to open said account. I did NOT give authorization for a credit check, especially a Hard Inquiry for a simple savings 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 2023-01-27
Company: McCarthy, Burgess & Wolff, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX sent me to collection but I never had XXXX in my life > I am XXXX customer for 12 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt was paid in the fall of 2018, in store, in XXXX Ohio. Midland bought out the misstatements debt, and has put it as an account in collections despite the debt being paid. 
I called out to Midland to discuss the debt, and they refused to accept the fact that this debt was paid prior to their buying of the debt. To get this misstatements debt handled, and the company refused to remove the debt. Additionally no validation of debt was received, despite my asking for validation. I even attempted to settle the debt to remove it and the company refused. 
The fact they they have not sent any validation of debt, and have refused to remove this item from my credit report is a direct violation of the fair debt collections act.

Company response to consumer: Closed with explanation