BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-16
Company: O&L LAW GROUP, P.L.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX my mother was served with papers for an amount owed to XXXX XXXX XXXX in my name for {$1300.00}. I was not living at home during this time and had since forgotten about this debt, I have moved since then and recently received a form to garnish my wages on XX/XX/XXXX for a total of {$1600.00} that was removed @ 25 % of my total check, it was taken from 4 consecutive checks. I did not file an appeal and I did not file a payment arrangement as I am a single mother and I do not live in XXXX county at this time so going down town would not be an easy task, I figured if they garnished my wages this debt would be resolved and I would not have to deal with this again. I recently received another form to garnish my wages again now for a total of {$1700.00} The last garnishment was very hard for me and I was told once this debt was resolved for {$1600.00} the debt would be gone, to receive another order for more garnishments is not only confusing its make me sick to my stomach as this will be a total of {$3300.00} I do believe I have paid the debt that was owed and ask for any assistance to remove this order for further garnishment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
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: Public record information inaccurate

Complaint:
*Provide accurate information pertaining to the Chapter XXXX bankruptcy in consumer name? 
*Provide signed document with signature from bankruptcy court consumer filed chapter XXXX bankruptcy? 
*Bankruptcy courts do not provide nor sell public information to third party companies, such as : XXXX XXXX XXXX and XXXX. 
*As required under SECTION 609 ( a ) ( 1 ) ( A ) & SECTION 611 ( a ) ( 1 ) ( A ). Furthermore, Transunion has failed to provide the method of verification as required under SECTION 611 ( a ) ( 7 ).

*Please be advised that under SECTION 611 ( 5 ) ( A ) of the FCRA Transunion is required to promptly DELETE all information which can not be verified.

* The law is very clear as to the Civil liability and the remedy available to me ( SECTION 616 & 617 ) ; Transunion failed to comply with Federal Law. I am litigious consumer and fully intend on pursuing litigation in this matter to enforce my right under the FCRA.

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 2019-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Online banking issue, the 2 step verification process for my capitol one card will not allow me to login, I do not have a cell phone and my landline is a voip number, I have called 3 times to the company they have no way to bypass or to reset the account, they only say that there is nothing that they can do. They used to be able to send an email as verification they say that they do not do that any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Credit Karma, LLC
State: MA
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 looked at my XXXX credit report with credit Karma today XX/XX/2019 and I noticed that it says that two old accounts were removed from my credit report, I was happy about it until I looked at my closed accounts and to my surprise those two accounts are still showing there even tho they told me that the accounts were removed, I dont understand why XXXX told credit karma to report something and then lie about it, I called XXXX to try and figure out what is going on with this problem and some guy told me that credit karma is reporting false information so I asked they guy how can credit karma report something false when all of the information that they report comes directly from XXXX and then the guy told me that they have a relationship with credit karma but that they were lying about these accounts being removed. I am really upset because this company is reporting false information. Then they tried to blame credit karma for it. I will also contact credit karma and ask about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

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 2018-06-06
Company: EQUIFAX, INC.
State: WI
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 XXXX This account is still showing on my report even thought it has been paid and closed. We also agreed to make payment in return for the item to be removed from my report. TO date the company has not fulfilled this. Please delete this from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: TFS FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been sending the mortgage company document since XX/XX/XXXX and they are constantly asking for the same documents. I feel that they are giving me a hard time. I am trying to save my home so my family can a place live. I have send the same documents on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I just received another package asking for the same documents I sent in XXXX. I have sent the document to their attorneys and mitigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
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: Was not notified of investigation status or results

Complaint:
I sent a letter about some accounts that they were reporting that was not mine. They Verified as accurate and updated '', but the accounts are not mine. The account on my credit report that I have requested to be deleted in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the account that is in error on my credit report. I filed a police report with XXXX county which is included in the Affidavit to get these errors resolve in a timing matter. This mistake is hindering me. Please see attached Identify Theft Affidavit.

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 2021-08-14
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Experience, reduced my credit score before doing detailed research on a false debt collection account that was fraudulent. I demand a huge boost on my credit score of XXXX points 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 2019-01-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The companies investigation did not fix error 's. 

I am very upset that the credit reporting agencies have included the below inaccurate credit information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently credit which was very stressful for me. 




XXXX XXXX XXXX : Account # XXXX Closed Account Incorrectly Reporting Terms Closed Account Incorrectly Reporting Installment

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 2018-01-26
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
XXXX along with Experian and XXXX are all in on the same corrupt activity. While the recent government shutdown occurred they were not allowing our yearly free credit report. You could n't even pay to see your scores. They were breaking every law in the book while the FTC was down. As soon as FTC opens back up, they all of sudden are starting to get back into compliance. They are reporting false and negative information, as well as inaccurate account balances, high balances, ect ... Then, they try to get you to pay to try and dispute inaccurate information, that should n't have been there in the first place. These guy need shut down and run out of town for their continued documented activities.

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 2018-01-26
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
XXXX  along with XXXX  and Equifax are all in on the same corrupt activity. While the recent government shutdown occurred they were not allowing our yearly free credit report. You could n't even pay to see your scores. They were breaking every law in the book while the FTC was down. As soon as FTC opens back up, they all of sudden are starting to get back into compliance. They are reporting false and negative information, as well as inaccurate account balances, high balances, ect ... Then, they try to get you to pay to try and dispute inaccurate information, that should n't have been there in the first place. These guy need shut down and run out of town for their continued documented activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent a letter about some accounts that they were reporting that was not mine. They Verified as accurate and updated '', but the accounts are not mine. The account on my credit report that I have requested to be deleted in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the account that is in error on my credit report. I filed a police report with XXXX county which is included in the Affidavit to get these errors resolve in a timing matter. This mistake is hindering me. Please see attached Identify Theft Affidavit.

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 2018-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 first ordered some items form Kohls.com in XXXX of last year. I ordered on-line and after I placed the order I noticed that it was going to be sent to an old address of my daughters in XXXX, Alabama. ( Copy of Kohls statement attached ). I noticed it right away and called Kohls and was told I could not change the order and that it would be delivered to the old address in Alabama. They said if it is returned to them they would credit my account for XXXX. I called back and was told that the items had been returned and that it the charge would be credited to my account. Unfortunately I don't have the dates for the first two calls but they occurred inXX/XX/XXXX. I have a date for the third call I made ( see attached ) that was made on XX/XX/XXXXwhere I first promised a refund. That is the first documented contact in writing. I have supplied the attached correspondence. To add insult to injury they added a {$27.00} late fee on my account for the charge that was supposed to be refunded. This is the worst possible non customer service that I have ever encountered. The people at Kohls.com have failed in every way. Please help, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter about some accounts that they were reporting that was not mine. They Verified as accurate and updated '', but the accounts are not mine. The account on my credit report that I have requested to be deleted in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the account that is in error on my credit report. I filed a police report with XXXX county which is included in the Affidavit to get these errors resolve in a timing matter. This mistake is hindering me. Please see attached Identify Theft Affidavit.

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 2020-09-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Credit Control, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am a consumer, natural person and original creditor. A letter was received from Credit Control LLC on XX/XX/2021 alleging as fact that i owe XXXX XXXX XXXX XXXX {$4200.00}. No money was given to me by this institution and would like to know where the bank got the money from that they alleged i owed. Credit Control LLC violated 15 USC 1692b ( 5 ) by advising that they were " attempting to collect a debt '' which 15 USC 1692b ( 2 ) states that a debt collector can not state a consumer owes a debt. Pursuant to 15 USC 1692c ( a ) they sent communication without prior consent and committed identity theft by creating an account in my name without my knowledge. XXXX XXXX XXXX XXXX is also in violation because this is an invasion of individual and family privacy. Pursuant to 15 USC 1692d ( 2 ) Credit Control LLC violated me by demanding that i " submit '' or " make a payment '' to them. Pursuant to 15 USC 1692f ( 1 ) that's a violation to attempt to collect a debt unauthorized by an agreement between parties. I have no contract with them nor have i ever done business.

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 2020-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
THESE COLLECTION RECOVERY COMPANIES ARE DISGUISING THEIR NAMES UNDER DIFFERENT NAMES TO CONTINUE TO POST COLLECTION AMOUNTS THAT WERE DELETED FROM MY CREDIT REPORT 7 YEARS AGO IN VIOLATION OF THE FAIR CREDIT REPORTING POLICIES. 

THESE DEBTS ARE FRAUDULENT AND WERE REMOVED FROM MY CREDIT REPORT FOR THAT PURPOSE, HOWEVER THESE AGGRESSIVE DEBT COLLECTORS CONTINUE TO HARASS ME ON A CONTINUAL BASIS. i AM NOW PREPARED TO FILE A LAWSUIT IN THIS MATTER, FOR HARASSMENT IF THIS CONTINUES. 

THIS DEBT ATTACHED ID FRAUDULENT AND NEEDS TO BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: EQUIFAX, INC.
State: NY
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:
My credit score has always been in the mid to high 700 's, with no late or missed payments and a steady decrease in credit card debt. My mortgage company, XXXX, advised me on XX/XX/2018, that my mortgage had been sold to a company called XXXX. My mortgage was and continues to be current and, in fact, my latest mortgage payment was made on XX/XX/2018. 

I check my credit score regularly and was astounded to see that XXXX and Equifax had decreased my score by over 50 points, because it was reported that my mortgage account with XXXX had been closed. It was later noted that my mortgage loan had been transferred. I went online, only to see that scores of mortgagees had seen their credit scores drop by as much as 100 points due to the sale or transfer of their loan to a different mortgage company. 

I checked with XXXX and Equifax, both of which told me that there was nothing that could be done until the new mortgage holder began to report on time payments, which could take up to three months. When I checked with both XXXX and XXXX, I was placed on a conference call with both entities, both of whom sympathized with my situation and indicated that the score would be repaired within 1-3 months. 


I would like to know how a mortgagee, without fault, delinquency, missed or late payments could see a credit score plunge simply because his/her loan had been transferred by the original mortgage company to a new entity? What if someone needed to apply for a loan? What is the potential damage to a mortgage holder with such a dramatic decrease in a credit score. Is this even legal? 


I would appreciate your investigation of this practice, since my experience is not isolated, as my simple XXXX search indicated. All I typed in was " My mortgage was sold and my credit score plunged '' and there were multiple accounts ( some even worse than mine ) of instances where credit scores were dramatically damaged without fault or legitimate cause. I pity the poor soul who does not monitor his/her credit score and who applied for a loan, only to be subjected to a humiliating failure to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter about some accounts that they were reporting that was not mine. They Verified as accurate and updated '', but the accounts are not mine. The account on my credit report that I have requested to be deleted in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the account that is in error on my credit report. I filed a police report with XXXX county which is included in the Affidavit to get these errors resolve in a timing matter. This mistake is hindering me. Please see attached Identify Theft Affidavit.

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