BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX respond to the complaint, and only resolved 1/2 of the problem. BOTH late notes should have been deleted ( not just the one that they deleted ) ... the late reports, and fees were all part of the same issue ( hacked checking account and documents sent to XXXX on 7 occasions ). This ongoing issue with XXXX is hurting our credit score and the ability to get a mortgage. Below is the email that I sent to XXXX on 4 occasions, going back to XX/XX/XXXX. Hello XXXX, Once again thank you for sending the summary / account activity report on our account. Please note the following as to our account. We have been and continue to make two payments per month. Each payment is for {$1200.00}. We have been making these two payments per month for over 2 years. Per your predecessor, XXXX XXXX XXXX, your company did not process the two payments in a timely manner as they did not know how to handle these types of payments, ( even thought I noted on EVERY payment the amount to principal and to the payment ). Hence these payments were shown as partial at times and at times caused the account to show as late. Because of this improper handling of our payments, late fees and notes were added to our account. The returned checks / fees were due to my checking account being hacked and our account frozen until the fraud was being corrected. Again this information was communicated to XXXX during several phone calls. In closing the following corrections should happen to our account. 1. All late fess should be waived. I am ok with the late fees being credited to our account as additional principal payments. 2. Our account should not show ANY late payments. Thank you in advance for correcting these errors on our account. Please feel free to contact me with any questions. Best regards, XXXX XXXX XXXX XXXXXXXXXXXX HELP!!!!! 


Above is the information from my past complaint ... .This is STILL NOT FIXED ... there should be XXXX late payments showing ... .This is crazy as they ( XXXX ) have not fixed all of the issues. ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have emailed and called Capital One Credit Card numerous times in the last 6 months about my credit card account not showing up on my XXXX. I am trying to buy a house and this is affecting my credit score big time. I have had a credit card with Capital One for over a year now and they still are not reporting on my XXXX but its reporting on all the other agencies ie: XXXX and XXXX. I also contacted XXXX which  puts the blame on Capital One. Capital One keeps telling me when I call that they will update my report and it should show in 30 days. Well 6 months has passed and its still not updated. PLEASE help me resolve this issue! I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I specifically reported XXXX XXXX XXXX ( Not XXXX XXXX ) about a $ XXXX balance for an account that is n't mine. Initially Equifax removed it, then they put it back on there. XXXX XXXX themselves even verified this account was fraudulent. They even told me Equifax looked into this and confirmed. They need to remove this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: LEXISNEXIS
State: PR
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 several occasions through certified letters I have asked both XXXX and XXXX to validate and provide me with copies of any documentation associated the accounts XXXX AND XXXX reported by them. According to them that information was provided by LexisNexis as a third party vendor .I hereby demand that LexisNexis send a letter to XXXX and XXXX clarifying the situation and asked to remove those accounts from my credit reports The information that gave LexisNexis to them is wrong .I formally request that this information be deleted from my credit files. ( Attached copy of the letters )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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 contacted the credit bureau 's on XX/XX/2021 and XX/XX/2021 in regards to some accounts either placed on my account in error or as a result of identity theft it is XX/XX/2021 and the accounts continue to report on my credit report. I went to the police department and advised that I may be a victim of identity theft but the officer stated that I should write the creditor and request additional information in regards to the account however I have not received any response from the credit bureau or the the furnishers. I submitted an identity theft affidavit, identification, and proof of address with no response and the bureau 's have failed to respond so I sent a follow up letter on XX/XX/2021 in which I still haven't received a response. I have since spoken to an attorney who states if I hire them they feel confident that they can obtain the deletion and compensation for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to Portfolio Recovery Associates requesting that they " VALIDATE " a debt that they are attempting to collect from me. I specifically asked for a signed agreement not electronic signature and other documentation, Portfolio Recovery Associates provided me with billing statements which does not prove i am obligated to pay them anything. Portfolio Recovery Associates have reported delinquent information to the credit bureaus that i am asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
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:
Ive been a victim of identity theft. Theres an account from XXXX XXXX  that was open on XX/XX/2017 with a amount of {$780.00} dollars on my report. Ive have try to get them to remove it due to fraud. The account number is 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 2018-06-27
Company: DLC, LLC
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom you may Concern, I have recently been looking at my future to try establishing my credit to get resources that would hopefully help my future be secure, however I have come across complication on credit that is questionable and I need these to be corrected .I am in hopes that all things can be corrected and solved so I am able to move onward and upward to have better and greater future. 

Thank you in Advance Respectly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Netspend Corporation
State: FL
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:
On Monday, XX/XX/2019, I received an unsolicited, direct deposit credit card from Netspend. 

I have been unable to reach a live person at the company to cancel this card. 

The telephone numbers on the card ( XXXX, XXXX ) are automated messages for activation only ; and the enclosed literature does not provide anything different. 

I understand, by reading the customer complaints on the Netspend 's web site, that if the card is not activated or goes unused for 90 days, a monthly fee of {$5.00} per month is billed. I would like to avoid this and have this card cancelled. 

Netspend is located at XXXX XXXX XXXX, XXXX, TX 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 2018-01-12
Company: Fay Servicing, LLC
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: Account status incorrect

Complaint:
Fay servicing respond to the complaint, and only resolved 1/2 of  the problem. BOTH late notes should have been deleted ( not just the one that they deleted ) ... the late reports, and fees were all part of the same issue ( hacked checking account and documents sent to Fay on XXXX occasions ). This ongoing issue with Fay is  hurting our credit score and the ability to get a mortgage. Below is the email that I sent to Fay on XXXX occasions, going back to XX/XX/XXXX. Hello XXXX, Once again thank you for sending the summary / account activity report on our account. Please note the following as to our account. We have been and continue to make XXXX payments per month. Each payment is for {$1200.00}. We have been making these XXXX payments per month for over XXXX  years. Per your predecessor, XXXX XXXX XXXX, your company did not process the XXXX payments in a timely manner as they did not know how to handle these types of payments, ( even thought I noted on EVERY payment the amount to principal and to the payment ). Hence these payments were shown as partial at times and at times caused the account to show as late. Because of this improper handling of our payments, late fees and notes were added to our account. The returned checks / fees were due to my checking account being hacked and our account frozen until the fraud was being corrected. Again this information was communicated to XXXX during several phone calls. In closing the following corrections should happen to our account. 1. All late fess should be waived. I am ok with the late fees being credited to our account as additional principal payments. 2. Our account should not show ANY late payments. Thank you in advance for correcting these errors on our account. Please feel free to contact me with any questions. Best regards, XXXX XXXX XXXX XXXXXXXXXXXX HELP!!!!! 


Above is the information from my past complaint ... XXXXThis is STILL NOT FIXED ... there should be zero late payments showing ... .This is crazy as they ( Fay ) have not fixed all of the issues. ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: The Lueder Law Firm, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX I sold my property and moved to another county. XXXX XXXX XXXX XXXX XXXX XXXX and Lueder Larkin & Hunter, LLC continue to bill me for alleged fees accrued after the sale of my property. I have disputed the debt with both aforementioned entities and have received no response. I have not received any communication about an alleged debt, but instead the property manager of the property I sold contacted me to advised Lueder Larkin & Hunter, LLC was attempting to serve me at his address. The property manager advised me that he advised Lueder Larkin & Hunter, LLC on XX/XX/XXXX that I did not reside at his address. Lueder Larkin & Hunter used a fraudulent affidavit of service in order to get a default judgement for a debt I do not owe at an address that I do not live.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
1. XXXX XXXX XXXX issues Mortgage 2. XXXX XXXX XXXX Issues Mortgage Modification ( lower rate ) 3. Filed with County Clerk CNY 4. XXXX approx. Mortgage sold to Freedom Mortgage 5. XXXX approx. Mortgage servicing transferred to XXXX XXXX 6. XXXX -approx Mortgage servicing transferred to Freedom Mortgage 7. XX/XX/XXXX Freedom Mortgage advises Loan Paid in Full, Note and Satisfaction being sent/filed. 
8. XX/XX/XXXX Freedom Mortgage advises they can not issue satisfaction as they do NOT have note, nor any record of assignment. 
8a. Freedom Mortgage Number and XXXX XXXX XXXX numbers match 8b .Freedom Mortgage claims Lien filed by XXXX XXXX has no relationship to them 9. XX/XX/XXXX XXXX XXXX declares they are out business 9a. Declares as a courtesy they will file satisfaction if 9b..They are paid {$600.00} 9c.. Receive letter from Freedom Mortgage authorizing release 10. .Freedom Mortgage advises they have no knowledge relationship with XXXX XXXX and therefore can not issue requested letter of release. 

11. My ownership is threatened, I can not refinance, nor sell my property.

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 2018-01-12
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, my checking account was compromised. Someone other then me deposited a check in the amount of {$6800.00}, through a teller with a fake Florida identification and withdrew {$3000.00} on the very same day. 

Citibank allowed for the check to be processed without properly verifying the identity of the person, Citibank already made the admission the the suspect used a fake identification yet they processed the fraudulent deposit with careless disregard. The check was from a payroll company. Citibank is fully aware that i never worked for the company because i get direct deposit from employer XXXX XXXX and not the company reflecting the check. Upon reviewing the fraudulent check and false identification, Citibank should have called law enforcement instead they handed over {$3000.00} to the suspect. 

It was also out of character that Citibank released {$3000.00} to the suspect, again without properly verifying the account. 

On XX/XX/XXXX, XXXX XXXX made a payroll deposit to my account in the amount of {$1900.00}, on which they kept. According to CItibank they are going to keep my funds alleging that it was my fault for not keeping my personal information safely???? 

It is more than obvious that Citibank made a huge mistake when handling a fraudulent transaction and worse to have kept my payroll funds on which i nearly got evicted because i could not pay my creditors. 

On XX/XX/XXXX, correspondence was sent to Citibank to no avail. I included copies of letters from IRS where it reflects i was a victim of identity theft in the past. Also a copy of police report reflecting that my driver 's license and social security card were stolen when visiting my mothers house located at XXXX XXXX XXXX XXXX XXXX. XXXX FL XXXX. See attached copy of IRS letter and police report. Yet Citibank refused to release my payroll funds causing me a great financial hardship when i live from pay-check to paycheck like many in our Country.

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 2019-07-25
Company: CORELOGIC 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:
XXXX  XX/XX/XXXX CREDCO XX/XX/XXXX CREDCO XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX CREDCO XX/XX/XXXX CREDCO XX/XX/XXXX CREDCO XX/XX/XXXX XXXX  XXXX XX/XX/XXXX CREDCO XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX Complete Your Credit Picture! Get All 3 Bureaus Accounts How to dispute Revolving Account Name Balance Balance Date Monthly Payment Term XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Error Icon Message not delivered There was a problem delivering your message to XXXX XXXX XXXX From : XXXX XXXX XXXX XXXX XXXXXXXX Date : Wed, XXXX XX/XX/XXXX XXXX XXXX Subject : Please help me with my mortgage. 
I have enclosed this letter tp you ; I have all paperwork involved in this. I sent it to my XXXX lawyer for my dire need to appeal my denial with social security XXXX. I have already had a loan modification with Wells Fargo in XXXX ( which I think they messed it up and charged me forcloser fees but I never was in forcloser. The fees are over {$1400.00}! ). They have also put a stipulation in my loan saying I can't get any assistance from any financial institution for it will put my accelerate my loan ... I don't know what else to do. My XXXX and other medical conditions can't take much more of the XXXX. My husband has a part time job that is also a on call type and he only brings home about {$250.00} month. He had a job but was let go due to his pay interfering with their profits ( their words ). I have already asked relitives, of which I did get money and put {$800.00} towards my mortgage but it seems that's not enough. Please help us not lose our home. I have lived here about 13 years. Thank you. Sincerely, 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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/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 2019-04-12
Company: Paypal Holdings, Inc
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I paid {$850.00} to my account with PayPal on XX/XX/2019. They show it as pending and have not credited to my account even though they have received the funds : Paid with XXXX XXXX XXXX XXXX XXXX Transaction ID XXXX Payment info PayPal Credit PayPal claims that the funds are still being processed by the federal bank clearing system. They refuse to  provide any proof of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25
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:
Pleasereversethelatepaymentsreportedonthefollowingaccounts:XXXX/XXXXXXXXandXXXXXXXXXXXXTheaccountswereneverpastdue,inevermadealatepaymenttothiscompanyeverpleasechangethis,ihaveagoodrelationshipwiththesecompanies.

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 2019-07-25
Company: LDF Holdings, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Due to extenuating circumstance in my immediate family, I took out a payday high interest loan with Amplify Funding in the amount of {$1200.00}. I now realize these loans are of no benefit to working families. My father was hospitalized from XX/XX/2019 through the end of XX/XX/2019. This loan was taken out to provide needed resources to my mother with massive medical financial constraints of my father 's care. I took out what I thought to be a short term loan with hopes of an early payoff.There is no early payoff per se. I received an email from Amplify with a payoff proposal in the amount of {$1100.00} only to have my bank account still drafted on XX/XX/XXXX for {$400.00}. I have not received any additional communications from the company. when I login to the portal it only reflects that the account is in Collection activity!!! To protect my back account and my future financial status, I want this matter investigated and adequate payment documentation and a correct payoff balance in writing from this company.

Company response to consumer: Closed with explanation