BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2020-09-18
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
hello all This may be kind of long, but i'm in need of help. I'm a 100 % XXXX vet and i'm on a set income. i'm also tax except. 1st time home buyer. i bought my house in XX/XX/XXXX and oklahoma state law says that you have to buy your house in XXXX to be except from that year of taxes. so i would have to pay property taxes for the first 6 months i was in my home. so there was XXXX that was put into my escrow. end of XX/XX/XXXX i got a letter from the county assessor for my property tax of XXXX it was about XXXX dollars. i called Mr. Cooper and they told me to scan in or email or fax that paper work from the county and they would take care of it. few weeks went by and i got a check from Mr. cooper stating that was the remainder of my escrow. a few months went by and i kept getting letters in the mail from Mr. Cooper to refinance. so i called them and they were gon na be able to give me half a point lower since i'm a vet and the VA wouldn't approve the loan unless my interest rate goes down. few days from closing, i found out that my property taxes weren't paid. Mr. Cooper told me that i would have to take care of that before we could close. i told them uhh no you were suppose to pay for that out of my escrow at the beginning of the year and i guess they didn't. so they said that they were going to pay the back property taxes. they did but now they are saying that i'm like XXXX negative in my escrow and that i owe them money. they have moved my mortgage payments up from XXXX a month to about XX/XX/XXXX. i told them that i wasn't going to pay that and i was only going to pay what i had signed for. so i kept making my payments and one month they didn't even apply my payment to the loan and now say i am one month behind. these people have screwed me over big time and i don't know what to do. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 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 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 2023-02-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Ive dispute inquiries that were made on my report fraudulent trying to obtain credit. Ive sent Equifax a update police report from two county where my personal information has been used. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, 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 called your department after I purchased a credit report with XXXX XXXX XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this awas negative charge off on my credit report. These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This account has been settled and now has a zero balance. The loan company still has not updated my credit report and is still showing that the loan is in a defaulted status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-04-14
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:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 2020-09-18
Company: Shellpoint Partners, LLC
State: TN
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:
Filed complaint # XXXX Shellpoint / New Rez Mortgage continues to report inaccurate information while taking no liability for their actions only to blame me. To date XXXX is still showing outstanding balance of {$88000.00} and late payments. Shellpoint was paid in full XXXX XXXX in which they denied. Shellpoint stated I still owe to date the money for Insurance XXXX and Taxes  XXXX that they paid on the same day the loan was paid off. Shellpoint has refused to show any documentation proving these payouts were even made. Shellpoint has now issued me a check for {$6700.00} ( see attached. ) while still stating that I owe them additional money. 
How is it that I owe them this money but they send me a check. 
Shellpoint has only now sent me a paid in full letter ( Received XXXX ) while trying to back date it as they did with the original payoff while claiming this was done before but still not reporting it to credit agencies. They stated to me that was my responsibility to report it. 
Once again this is showing Shellpoints inability to show accurate honest accounting practices and timely accurate reporting to all credit agencies. 

Requesting that Shellpoint remove all negatives and outstanding balances from my credit reports.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 noticed a random {$68.00} charge on my Capital One months ago, Capital One claimed to have resolved it but got it rebilled. 

I contacted them again and they had me fill out a form which I submitted, only to have them rebill it again. 

I called and they removed the transaction and rebilled me AGAIN!!! 

If that wasn't bad enough they allowed an extra {$68.00} charge so now theres two!! 

What the XXXX is going on?!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-18
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Barclays approved a fraudulent card to be opened in my name. Upon receiving this card, I immediately called and reported fraud. Barclays is continuing to fight me regarding this card, asking for payment, now adding late fees, and will not close and issue a letter of 'closed as fraud and zero balance owed ' like the other company. I have called SEVERAL times ( 20+ times, all in call history ). I have been sent to their Investigations Team 3 times ( supposedly ) with NO follow-up, proper investigation, or call as requested ( each time I'm told a manager would call to discuss within 24-48 hours and they do not ). I'm transferred from department to department. I have issued them the following : 1. Cover letter stating all the reasons for this card to be deemed fraud. 2. List of ways due-diligence was NOT done in investigating my application process, any of the times. 3. City Police - Report of Crime 4. Identity Theft Report - Federal Trade Commission Immediately after getting the card, I hired an Identity Theft Protection agency and my most recent call to Barclay, with my my rep, was on the phone with me for over 2 HOURS and they led us nowhere. They will not do the right thing here. I did not open this card, nor any other accounts they may have. And no one can seem to help when we call. 
XX/XX/20 I contacted a friend that is a police investigator and ask for advice. He said to contact the company that the purchases were make. I contacted XXXX. Apparently there were XXXX cards purchased and they verified that I never opened them nor collected the rewards from those ... it shows BARCLAY as the purchaser. 
This is FRAUD and I want justice. Please please please help!

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 2020-09-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
PREFERRED LEASE # XXXX payment history was corrected with XXXX and XXXX, but Experian is still displaying late payments, which is not true. Please correct payments history as this account was never late as the other XXXX and XXXX has made the correct changes.

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 2023-06-28
Company: EQUIFAX, INC.
State: TN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-08-09
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls in excess from Care Credit trying to collect on a debt that I am already making payments monthly. Next payment is due XX/XX/2019. Calls have been received on XX/XX/2019 at XXXX XXXX  ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX. XX/XX/2019 at XXXX XXXX ; XXXX XXXX  ; XXXX XXXX ; XXXX XXXX. XX/XX/2019 at XXXX XXXX ; XXXX XXXX  ; XXXX XXXX. XX/XX/2019 at XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX. 

Additionally, they are calling my friends family members numerous times per day every day. 

Calls will not stop even though I have told them to cease and desist. Additionally, they are calling my work every day within a minute of all the call dates and times listed above after they have been told not to call.

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 2019-03-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Well Fargo Business Credit Card has a due date on the card of XX/XX/XXXX but had a closing date XX/XX/XXXX. I made a payment XX/XX/XXXX, and they applied to previous statement due to closing date from previous billing cycle being after due date for next billing cycle, and next statement showed I was late with a late fee. I complained and they waived the late charge, but they put up my interest rate up from 15.99 to 29 %. I called and complained when my interest rate was increased. They understood that it was not late when reviewing it, but stated they could not do anything over the phone. They sent me a form to fill out. I did, and sent it certified. I called them and they stated they never received it. However, despite stating they never received it, they sent a response stating they could not put my interest rate down due to me being " late '' on my payment. I talked to my bank and called back, but they told me I would have to fill out form again, but they had difficulty locating an " escalation member '' that could send me the form again. This happened again this year. I made a payment on XX/XX/XXXX which was the closing date for the previous billing cycle when due date was XX/XX/XXXX. They applied it to previous months payment and now it is showing I am late with a late fee. This is predatory toward businesses and unethical.

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I do not validate this debt.

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 2019-10-15
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing with a collection agency by the name of Ability Recovery Services that has reported a bill in the amount of {$870.00} to the credit bureaus that is inaccurate. The company was contacted numerous times in writing and by telephone. I had submitted certified letters to the company dating XX/XX/2019, XX/XX/2019, and XX/XX/2019 and the company has refused to reply to any of the correspondence within 30, 60, and now 90 days.

In my letters to the company, I requested validation, made pursuant from the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, to validate competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Ability Recovery Services. And if this is a medical account, I have requested a copy of any HIPAA authorization that was allegedly provided by me.

Also, I had informed them that any negative marks found on my credit reports ( including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) from their company or any company that they represent, for a debt that I DON'T owe, is a violation of the FCRA & FDCPA ; therefore, if Ability Recovery Services can not validate the debt, they must request that all crediting reporting agencies delete the entry. 

Again, they have not sent any evidence nor have they responded to any of my letters.

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 2020-09-18
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I signed up for A Bluebird Card through Amex Bank. Once I activated and recieved the card, I set up direct deposit and started funding my account. After I tried to make a purchase on XX/XX/2020 My payment was declined and I was told to contact customer service. I called customer service and was told that my account was permanently suspended. Now I am trying to recieve the rest of my balance and am recieving no assistance from Amex.

Company response to consumer: Closed with explanation