BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX phone someone stole my information this XXXX XXXX keep XXXX up my account amount {$700.00}. One dealership run my credit many times even though i told them not to do it. I did not approved it for them to run my information that much. I need this to be clear for all credit places ASAP. Even child support is done too clear everything. XXXX im not going to be paying for someone XXXX XXXX i never did at all. Please clear everything from my record because im becoming a XXXX XXXX my record needs to be clean.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been enrolled in the Federal Public Service Loan Forgiveness program ( PSLF ) since I started medical residency at a non-profit hospital system in XX/XX/XXXX, and have been making qualified payments towards the program monthly since that time. I last re-certified my employment with the non-profit hospital system in XX/XX/XXXX. Therefore I should have accumulated 47 months ( XX/XX/XXXX - XX/XX/XXXX ) towards the PSLF program. However, my federal loans servicer ( Fed Loans ) has only counted 39 months towards PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
I have requested XXXX, Transunion and XXXX to update my personal information over and over.

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
15 USC 1681a ( 2 ) ( A ) ( I ) late payment are not suppose to be report on customer report its against the law!

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 2022-05-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i noticed a few accounts on my report that i do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i noticed a few accounts on my report that i do not recognize XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-07-12
Company: Mr. Cooper Group 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: Investigation took more than 30 days

Complaint:
In XX/XX/2023 I was reported by my mortgage as being 30 days late on my monthly. Payment which incorrect. I contacted the the company and reported this inaccuracy and was unsuccessful in this being corrected. I've been paying on this mortgage for XXXX months never late that in itself should speak volumes to my character. I have great credit and this has impacted in a negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I downloaded the XXXX XXXX app to get started on my future and see what all i needed to get to start my future and noticed my credit score was low. I looked and noticed a charge id never been aware of and a price id never seen before, {$860.00} to XXXX XXXX. Id not Received anything in my hand or mailbox saying that i was being charged this amount. I received 1 bill from XXXX XXXX. days after trying to resolve the situation. I called my medical provider and they told me nobody tried to file to bill them for this even tho they are my primary health care provider.

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 2021-05-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX, I am writing to delete the following information in my file. I have been having trouble trying to buy a home being a first time home owner, due to these items being on my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
thank you, any questions or concerns, you can contact me at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Wells Fargo has sent me in circles to a dozen different phone numbers and XXXX different departments while refusing to honor their XXXX XXXX on XXXX XXXX incident in my credit card. They refused to provide the audit for the XXXX XXXX  to analyze the difference between fraud, fees, & actual debt monies. 

They have moved my speech XXXX and my XXXX name XXXX. 

They have ruined my XXXX score Down below XXXX. 

They have refused to honor the cease and desist I sent them even though they said they would. 

Nobody in the advocacy dept or the executive dept/case managers are in touch with their senior leadership team and their board dose not oversee their liabilities escalation personnel. 

They have used aggressive tactics in an attempt to collect the debt and they have resorted to sending blank voicemails and they have offered my personal identity information on phone calls without me first verifying my identity. 

They are rude and have laughed at and talked over my 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 2023-07-08
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Back a few months ago I tried to pay a {$1000.00} on my Cititcard. It would not let me at all. So I tried different amounts and it finally let me do {$200.00}. Today I tried to pay a {$100.00} and it would only let me pay the minimum payment. I think this is terrible, because I am trying to pay this card off. I paid {$5000.00}, {$3000.00} and other large amounts to othe creditors with no problem online.

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 2018-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reported identity fraud with all 3 credit bureaus. There is an account from an apartment that is not my account. XXXX  and XXXX has handle the issue and updated my reports but not Transunion. I have called and sent out letters to relsoved this issue but I have not heard or recieved feedback about this account. I want it removed. It is not my account and I'm getting upset because it's affecting my credit!! 
The amount of {$1800.00} give or take form 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 2023-07-08
Company: Consumer Adjustment Company Incorporated
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
the collection company has been re-aging account and illegally reporting it to credit reporting companies. This debt is beyond the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I believe someone cashed a fraudulent check on my account. I no longer have access to ANYTHING of mine in the account. I got a email saying something about fund available and thats the last Ive gotten about anything. Thank XXXX my account is a backup XXXX account instead of my main checking but I dont see why I cant access my account? I dont even know the issue ( to add to this I believe the fraud may have been done by my roommate who moved out, right after he left now I am having this issue )

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 2019-07-09
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
Company: Experian Information Solutions Inc.
State: IL
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:
Dear XXXX, Experian & XXXX  : Thank you for sending me your internal records of the debt ( XXXX XXXX XXXX XXXX Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE BUREAUS including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, 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 2023-07-07
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:
My previous student loan servicer ( XXXX ) has turned my student loans over to Dept of EDXXXX. I have disputed inaccurate items on my credit report. However, they are reporting these items as accurate. I have an 11 year old account on my report with a last report date of XX/XX/23. These actions violates ( FCRA ), 15 U.S.C. 1681

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 2019-07-09
Company: Experian Information Solutions Inc.
State: MO
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:
I have called and sent letters asking to remove incorrect addresses from my credit report and they refuse. I sent current address documentation. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX # XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, MO 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 non-monetary relief
Consumer complaint received 2020-04-28
Company: EQUIFAX, INC.
State: AL
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$1500.00} XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX   XXXX  XXXX {$360.00} XXXX  XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Source Receivables XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX contacted me by phone 2 months ago saying that I owed them {$790.00} dollars for a XXXX phone bill that was 7 years old. I typed up a letter and sent it to them via certified mail requesting proof that I owed them and that they are licensed to operate in the state of Georgia. I also requested they send me the original contract with my signature. I mailed a certified letter at the above address over 45 days ago. I have not heard from them again, however they reported to the credit companies and now after repairing my credit from another company attempting to collect on this very same debt now they have ruined my credit which cause my credit score to drop significantly. I also disputed with the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: DriveTime
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: Account information incorrect

Complaint:
My former complaint with Drivetime advises that I had a referral from them that resulted in a {$200.00} dollar credit that was accepted as a form of payment in XX/XX/XXXX. No one that I know of made a referral using my name inXX/XX/XXXX towards DriveTime. I am requesting that they give me the person 's name who used me as a referral. My sister had an account with DriveTime but that was before XX/XX/XXXX. So if they are using my sister 's account and trying to use it as a referral to me they are incorrect. I have gotten my sisters documents showing that she had a vehicle with them and in no way should have ANY referral been used against my account as I did not refer any one. That makes no sense ; why would I tell someone to use me as a reference on a car loan that was not actively being paid on.

DriveTime is trying to reage my account. I will get a lawyer involved if I have to further escalate this.

I want DriveTime to PROOF to me who and when someone used me as a reference as THIS IS FALSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Affirm Holdings, Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 I ordered a security system from XXXX using the affirm payment process. On XX/XX/2023 I decided to return the equipment because I was not happy with the service. XXXX XXXX got the equipment back on XX/XX/2023. I am still having problems with getting affirm off my account. They keep bugging me for money that I do not owe becuase I returned the equipment back to XXXX XXXX. XXXX XXXX told me that they received the equipment and they would tell Affirm to remove my debt. I keep receiving notices from Affirm to pay them money when I don't have the equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Capital One has, again, not responded to requests about a matter regarding FEMA payouts. I submitted a complain already about {$22000.00} and {$7500.00} that were not paid to me. Capital One finally rectified the situation after I submitted a complaint here. I followed up with Capital One to give them an opportunity before I filed another complaint. They did not respond. Another FEMA check was issued on XX/XX/2012 for {$30000.00}. This amount was deposited with Capital One and they did not release the money to me when I paid off my mortgage. It is unfortunate/convenient for them that they did not discover the missing {$30000.00} when they investigated my prior complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company named Frist Point Collection Resources Inc has put a collection on my XXXX  credit report for the amount of {$58.00}. However the account listed is in breach of FCRA guidelines and there for must be removed off my credit report upon being notified. The violations are as follows : *Ignoring an investigation request on XX/XX/XXXX, and again on XX/XX/XXXX through the XXXX  dispute process *Willfully reporting false information after being notified of reporting error. Errors that are currently reporting : Date Assigned is inaccurate, Status date, Date of first delinquency, Balance date * Have not received a letter notifying me of my legal right of dispute within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Javitch, Block & Rathbone LLC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I demanded a debt Validation with the third party debt collection agency Javitch Block Which I received thanks to consumer financial protection bureau. Upon review of the the paperwork I received, it shows the wrong balance because GAP paid the financing company and the financing company did not report the payment to the third party debt collector.

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