BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: TX
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Experian Information Solutions Inc.
State: PA
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:
Experian Displaying XXXX Account Ending **** XXXX with XXXX XXXX. 
1 ) This Account Has been paid in FULL XXXX ) This account has been Illegibly Charged OFF ( XXXX ) and Under any circumstances can have ANY BALANCE. Charge-OFF procedure is required Setting Account to ZERO by applying Credit to offset Balance.. Charge-off Account having a Balance simply Nonsense.. 
3 ) XXXX XXXX XXXX XXXX Is the CREDIT SERVICES company IS NOT THE CREDITOR and HAVE No Authorization and no Position to REPORT anything. It is a Credit Services Company under Contract. 

Experian Giving XXXX days To Remove 1  ) XXXX XXXXXXXX **** XXXX XXXX ) XXXX XXXX XXXX **** XXXX These Accounts Has been PAID IN FULL on XX/XX/XXXX, XXXX ( *** see copy of the Payments ATTACHED, and CERTIFIED MAIL RECORDS ) EXPERIAN Agreed TO REMOVE OR PAY {$20000.00} In Damages.

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 2017-07-07
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX-XXXX-17, This debt was disputed via CFPB under case number XXXX-XXXX. This dispute stated the collection agency had failed to verify said debt and was reporting on my credit report. The company responded to the complaint and stated that they would send me out the contract/ debt validation immediately. To date, This has not taken place. I am disputing this once again, as the company has failed to provide proof of debt in the form of a signed contract. Considering this information has not been provided, Per the FCRA I am not obligated to pay the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because Capital One has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Social Finance, Inc.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
I originally applied for a XXXX refinance loan of my parent 's PLUS loans on XXXX XXXX after receiving advertising the mail for several years. I was preliminary approved. Then it informed me I could save with a co-signer so my dad agreed to be added to the loan. It then told me that with my dad, I would save 0.41 % on the interest rate, with the new rate being 5.115 % with automatic payment. That sounded good so I uploaded my income documents and a copy of my drivers license and told my dad that when I went out to his house, I was going to need the same from him. After I uploaded my documents, it came back and told me that I could get 5.115 % with or without a co-signer. This did n't sound right so I called SoFi as well. The representative confirmed that I would get the same rate with or without. So I decided to proceed without. 
Over basically the next 2 weeks, XXXX requested various documents including a letter from my father indicating that the original loan was a XXXX loan. Why did they not ask for all this at once? My father is XXXX and does not scan / email documents so I had to drive an hour one way to his house to get documents that would have been a lot easier if they asked for when I originally told them it was a PLUS loan and they asked for a letter of direction. 
Finally, after 2 weeks ( in which they indicate it is about a 4 day process ), I received notification that a new offer was on my loan. When I contacted XXXX, I find out that since I removed my father from the loan, the income went down and so my rate was going up to 5.525 % with automatic payment. 
They never said XXXX word when I talked to them about my father being removed that I needed his income to qualify for that rate. They have known what my income was for over 2 weeks. 
I sent an email to their customer service and did not get a reply so I logged on and chatted with a representative. She reviewed my information and agreed that I was told wrong information but said there was nothing they could do but I could add my father back if I wanted. I am not drive another hour one way to get a paystub and drivers license when I could have done that with the previous trip. 
She then advised me to call in. I strictly told her that if I am calling in to get the same information I would not be happy. She said to call. 
I called in and the representative told me the exact same information. 
I told both representatives that this appears to be deceptive and unfair, a complete bait and switch, and that I was filing a complaint with the CFPB ; however they said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions 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:
On XX/XX/2022 I paid XXXX the remaining balance of a charged off loan in the amount of {$54.00} ( {$52.00} plus tax ). The account wasnt updated with the credit bureaus so I disputed the account to get it updated but the account still came back showing a balance of {$52.00}. I called the company multiple times and they have acknowledged that I paid the account but have stated they dont know if the credit bureaus will update the information. Can you please help rectify this problem. 

Attached is the bank statement showing payment to XXXX. Page 6.

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 2022-04-04
Company: MoneyLion 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:
On XX/XX/2022 I paid MoneyLion the remaining balance of a charged off loan in the amount of {$54.00} ( {$52.00} plus tax ). The account wasnt updated with the credit bureaus so I disputed the account to get it updated but the account still came back showing a balance of {$52.00}. I called the company multiple times and they have acknowledged that I paid the account but have stated they dont know if the credit bureaus will update the information. Can you please help rectify this problem. 

Attached is the bank statement showing payment to MoneyLion. Page 6.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24
Company: Seterus, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Response from SETERUS to complaint number XXXX was not satisfactory they need to supply proof as requested in my complaint number. 
Summary judgment was not granted and there is a counter suit against SETERUS for filing a fraudulent complaint. 
SETERUS is in possession of a fraudulent Note. Their Note is missing my Social Security number. 

XXXX never lawfully filed foreclosure are in violation of TILA, FDCPA, FCRA. 
They are guilty of mortgage fraud, fraudulent misrepresentation, identity theft, forgery of my signature, harassment and invasion of privacy. 

XXXX XXXX XXXX was sued by the FED 's for deficiencies with these same documents used in this case. So these documents should have never be used in another foreclosure. You are next SETERUS and this time I pray someone goes to jail. 

SETERUS must Stop opening accounts and taking out loans in my name without my knowledge and consent. They are guilty of identity theft. 

XXXX XXXX XXXX your name will be added to the lawsuit for perpetuating the fraud. You are not the boss of me so do not tell me what to do. You speak to your attorney. In litigation is not an answer and has nothing to do with reporting SETERUS for debt fraud. 

SETERUS have no credibility and they owe me now for stealing my identity and other fraudulent activities. So SETERUS should Pay up or shut up! 

See attached documents for further details

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I am writing to notify you of the violation of my rights under Federal law. If I have too I will take legal action against you as my right under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SunTrust Bank purchased my mortgage from XXXX XXXX XXXX sometime around XX/XX/2021. I first became somewhat aware of the purchase on XX/XX/2021 through my credit card app which notifies me of changes to my credit report. I figured I would be getting a notification in the mail or through email letting me know where I should be sending my payments now since I hadn't gotten anything yet ( this is not the first purchased mortgage I've been through ). A couple days later I noticed my autopayment for XX/XX/2021 had not gone through with XXXX and got worried. On XX/XX/2021, a Sunday, I got a payment reminder through email from SunTrust letting me know that my payment for XX/XX/2021 was due and had not been received. Since it was a Sunday, no customer service representatives were available to speak with. While I had absolutely no information about my new account, I was able to navigate through a confusing web of automated phone instructions to set up a one-time payment and avoid a late fee using my SSN and property information. On XX/XX/2021 I was able to get through to a customer service representative with SunTrust, again after a confusing web of automated phone instructions, to ask what went wrong and at lease obtain my account number to set up an online banking account. The SunTrust customer service representative said it was XXXX 's responsibility to provide me with updated information. She said that they had gotten a number of calls from people " claiming '' they too had not received information when their mortgage was also bought from XXXX ; however, she assured that they all did in fact receive the appropriate disclosures, likely overlooking them in the mail. I am very careful sorting through my mail, and I've gone back to check my email several times and have never seen any disclosure from either bank about the sale/purchase of my mortgage.

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 2017-10-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
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:
I was searching for a ticket on XXXX from XXXX to XXXX in XXXX XXXX and found a ticket and booked it using my HSBC credit card. The merchant ( XXXX ) advertised the ticket as single itinerary on XXXX, but they booked it as 2 separate itineraries. Breaking a itinerary into multiple itineraries is deception, and it creates multiple issues with baggage, connecting flights, and visa requirements in transit country. If 1st flight is delayed, then 2nd airline does n't give me a automatic seat on next flight. 

The airline taking me from XXXX to XXXX could not see in their system that my trip was ending in XXXX not XXXX. And airline taking me from XXXX to XXXX could not see in system that my trip was starting in XXXX. Both the airlines in the itinerary told me that they could not see the other airline. 

XXXX deceived and frauded me. XXXX refused to fix their mistake or to refund the money, so I filed dispute with HSBC credit card department within 5 hours of receiving this 'deceptive ' itinerary from XXXX. HSBC agent advised me to book another ticket while they work on the refund. So then I booked another itinerary using my XXXX credit card, and completed my travel. In XXXX XXXX, HSBC refused to remove charge or do chargeback saying merchant XXXX XXXX XXXX had won the dispute, and that I would have to sue XXXX in XXXX XXXX court directly to recover the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 MOVED FROM XXXX XXXX BACK TO XXXX  I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX XXXX   HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANY-THING. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : 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 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 2021-11-11
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Pro Collect Inc. has furnished and reported information without my consent. They are falsely reporting an alleged debt from The XXXX XXXX ( an apartment complex ). To whom, I do not owe any debt. Under federal consumer laws, ProCollect Inc. does not have any rights to say or report that I owe a debt. I have sent this company 2 affidavits in which they only responded to the first one, with the information I attached in this complaint. The second affidavit on XX/XX/2021 they did not respond. This company is in violation of the federal credit reporting laws listed below : 15 usc 1692 ( b ) 5 15 usc 1692 ( b ) 2 15 usc 1692g ( a ) 2 15 usc 1692 ( f ) 1 15 usc 1692g 15 usc 6802 In the files attached to this complaint, these laws and how they are in violation, are explained.

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 2017-10-24
Company: HireRight Solutions, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Company in Violation of Texas State Business and Commerce code regarding Consumer Reporting Agencies. 
A criminal background check was initiated by Hire Right using my personal information. I received a copy of the report via email several days later. The report contained a criminal history report with dates beyond the Texas State requirement for reporting of 7 years. The only exception to this 7 year law is if the employment salary exceeds XXXX in which this position applied for reaches XXXX. This information was unlawfully reported and upon filing a dispute, remains unresolved. The company allowed me to file a dispute ( XXXX ) however their response to the dispute is the law does not apply to " Hire Right ''. This is not only inaccurate as they are indeed a consumer reporting agency according to the Texas Business & Commerce Code but its also very vague. 

I have spoken to a multitude of attorneys regarding this issue and have confirmed that Hire Right has a legal duty to not only follow Federal regulations, but state regulations as well. I have confirmed with said attorneys that HireRight is indeed a consumer reporting agency and have previously been held liable in the court of law regarding violations of state and federal regulations. I have attached the business commerce code regarding Consumer Reporting Agencies along with the specific section that clearly prohibits information being reported beyond a certain timeframe. I have also attached the dispute procedure and legal remedies due to a consumer who has been unable to resolve the issue directly with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, I have tried to fix this issue with my credit report with Transunion, XXXX and XXXX. To no avail even after I sent in my FTC report and Affidavit, I complained to the XXXX XXXX XXXX  Now my only resort is to file a complaint with the Attorney General 's office and the CEO of Transunion, XXXX and XXXX with how their companies continue to break laws and my XXXX rights! I have sent in XXXX letters ( multiple ), FTC reports, Affidavits and more XXXX letters to have the inaccuracies, fraudulent accounts and inquiries removed/blocked from my credit report. I have added fraud alerts to all XXXX bureaus. My name is XXXX XXXX and no other names should be on my report! 

This is my last attempt to have this corrected and I will be suing Transunion, XXXX and XXXX. 

I have requested that you correct the payment history on my CREDIT ACCEPTANCE - Account XXXX ( I never once paid late ) correct this asap! XXXX - account XXXX also needs to be removed from my credit report! That is an unauthorized account! Respect my XXXX FCRA laws, I know and you know that all fraudulent accounts must be blocked within 4 days of receiving this XXXX notice. I am sick of your XXXX and stalling tactics! You actually wrote to me saying that I did not authorize you to correct my report! I, XXXX XXXX, am giving Transunion, XXXX and XXXX XXXX to correct my got XXXX credit report! I have attached all the documents! I have also attached my social security card, government issued ID, my proof of residence ( my health insurance ), and whatever else is needed!

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 2020-04-24
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX *

Company response to consumer: Closed with explanation