BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I never applied for a student loan educational which was incorrectly reporting on my credit report # XXXX Then they sent it to collections I have been disputing since XX/XX/2020 I need this removed and blocked from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: JPMORGAN CHASE & CO.
State: NJ
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:
This is concerning a charge on XX/XX/2020 for a XXXX  purchase. I filed a dispute with Chase in order to get my money back because I never received the item and the buyer cancelled the order. After several weeks of waiting I received a notice saying that the dispute was found not in my favor because they did not receive any proof of return from me. I once again stressed to them that the dispute concerns an ebay ordered that has been cancelled and I did not have any product to return because I did not get any product to begin with. Now, this repeats for a couple more times, with me writing to them that I disagree and clarifying the situation with supporting documents, and then on XX/XX/2020, I once again send a letter to Chase clarifying that I disagree with their decision and will not be paying the charge because the order was cancelled and I did not receive any product so there is nothing for me to return. I even included message logs between me and the buyer that indicate that the order is cancelled and that nothing has been shipped out to me, I even included ways that they could contact him in order to verify the situation. Even with all that information, just today I received a notice saying that the dispute has once again been found not in my favor, so I here I am today, five months after the date of purchase, with no money returned and product on hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Upstart Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was notified of an XXXX credit bureau data breach where an unauthorized user accessed the names, addresses, social security numbers, date of birth and other personally identifiable information of 16 million XXXX customers stored on the XXXX server. I have been a XXXX customer for over 12 years and was affected by the data breach. After reviewing my XXXX credit report, I noticed what appeared to be an unauthorized loan from Upstart Network , Inc . I do not recall making such a loan transaction or authorizing a loan application to be executed in my name during the questionable period. Attempts to contact the loan servicing entity have been unsuccessful and no valid documentation has been provided to me to verify the applicant source or executed loan documents. This unverifiable information continues to report on my XXXX credit report, and as a result of the XXXX data breach, it appears I was victimized by identify theft resulting from the data breach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have noticed many incorrect and unauthorized items appeared in my report.

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 2020-11-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax - I have sent over 4 dispute letters to Equifax all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved.

XXXX - I have sent over 4 dispute letters to XXXX all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved.

XXXX - I have sent over 4 dispute letters to XXXX all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Dates:XX/XX/2020 - XX/XX/2020 Actions Taken by Me : Sent 4 dispute letters to All bureaus ( XX/XX/XXXX, Equifax and XX/XX/XXXX ) by Certified Mail Return Receipt to remove inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
None of the example problems fit this issue exactly so i selected the best option that i could. I obtained a credit reporting and score update on XX/XX/ from Experian for 2 positive transactions. A paid off item was removed from my report and 1 of my credit cards went down to on 1.4 % usage and i only received a 5 point increase when the other 2 credit bureaus gave me at least 10 points for the credit card 1.4 % usuage/ pay down alone. It has been known for Experian to cheat customers such as myself out of higher point increases when theyve been earned and have also been in trouble legally for doing such.

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 2018-02-03
Company: Convergent Resources, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I got a demand letter from XXXX XXXX XXXX. dated XX/XX/2018 indicating that the account records of a second debt collection company, XXXX XXXX XXXX XXXX XXXX show that I have an outstanding balance of {$970.00} owed to XXXX XXXX. Convergent 's letter offers to allow me to settle this fictional debt for 25 % or {$240.00}. I have no knowledge of XXXX, XXXX XXXX or Convergent nor have I ever been contacted by any of them to include substantiation of such debt. Just a nebulous demand letter for a non-existent debt from a state that I have never lived in. I believe this to be a scam and an attempt to scare Senior Citizens into settling false debts for a reduced cost.

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 2020-05-27
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/23 in the amounts of XXXX, XXXX and XXXX. 
Cashapp did nothing though I could prove that the person ( s ) are scammers. They refuse to refund me and close the person 's account. Cash app has debit, bank and credit cards tied to their user accounts and can easily reverse the transactions in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: MIDCOUNTRY FINANCIAL CORP
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
my XXXX XXXX XXXX was fully covered at XXXX  XXXX with a loan. 
that loan was provided with full coverage.the total amount was paid off with XXXX XXXX of XXXX mo.XXXX XXXX  refinanced the loan with full coverage. the motor vechile was hit in a car accident. the car was tottaled. undriveable. this accident was not my valt the other driver was in coming traffic and hit my car. another diseal came up behind my car. the bank repoled my car.at the same time I had XXXX lifetime membership with my car.t this time all companys has been notifed. 
all companys are dening service of insurance.

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 2018-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
We them on XX/XX/2018 at aprox 3 pm and I RECORDERD the call even though they said to stop, but they kept there recorder going so that works one way only for them. They embarrassed me in front of XXXX XXXX I am a XXXX and entrusted them with my funds my card is paid every month with a low debit. SO WHY are the lieing to me about XXXX and my funds? They cut me off when I had {$900.00} to spend why I called THEM TO LET THEM KNOW IT WAS ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the fraudulent accounts listed on my Equifax Credit report multiple times - I was a victim of identify fraud years ago and discovered them - not to mention a victim of both Equifax and XXXX 's information breaches. I obtained a police report, provided my identification, and my proof of address and submitted disputes to XXXX, XXXX   and Equifax. It did take some time but after months of verification, reinvestigation and working together with the credit reporting agencies, both XXXX and XXXX   removed the bogus fraudulent information and corrected all of the errors on my report. Equifax who have all the exact same information on the errors have deleted non of the error from my report. Therefore, XXXX  shows me with excellent credit and a FICO score of XXXX, XXXX shows me with excellent credit and a FICO score of XXXX and Equifax shows me with very poor credit with a FICO score of XXXX. 
I will be retiring soon and found the errors as I started to prepare to sell my real estate property to look to by a retirement property and discovered I had to delay until I clean this mess up. Equifax if harming me in an unmeasurable way. They were the most reckless with my personal information and are now making it impossible to clean up their mess. They should be fined and in fact prevented from handling any ones personal credit information all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: EQUIFAX, INC.
State: NC
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:
Good morning, I contacted XXXX XXXX XXXX XXXX XXXX   because my credit report dropped around 47 points after I paid off a student debt in the amount of {$290.00} on XX/XX/2020 for account XXXX US Dept of Ed. Apparently, the account was marked closed and erased my payment history for this account once the balance was paid and impacted my score negatively. I called XXXX XXXX on XX/XX/2020 and they told me to dispute this with all three credit bureaus. I did this the very same day, dispute with all 3 bureaus on XX/XX/2020. Two of the three ( XXXX   and XXXX ) fixed the problem. They reflected my account was paid with XXXX balance but showed my history to not negatively impact my file. On the other hand, Equifax said the details are correct and made no change. I disputed this again with Equifax on XX/XX/XXXX and again they came back within a few days XX/XX/2020 and confirmed all details are correct and they confirmed with XXXX XXXX. I called to XXXX XXXX again today XX/XX/20 and they agreed this should not impact my credit negatively and provided me with details to contact the Ombudsman Department to file a complaint. XXXX XXXX is saying they can not force Equifax to change the details but agree they are reporting the details incorrectly that is causing a negative impact on my score. Please help me as I am only trying to pay off my student loan debt and I should not be penalized for it. I provided Equifax with my XXXX dispute details to help them report it correctly and they still disregarded my support to help fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
We sold our primary residence on XX/XX/XXXX. When the title search was performed on XX/XX/XXXX, it was revealed that a Modification to our HELOC was missed when it was closed on XX/XX/XXXX. We have been looking to get this resolved ever since. In the interest of good faith, we agreed to hold {$50000.00} back from the proceeds in an escrow account until this was resolved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been trying to get a Certificate of Satisfaction from Truist since XXXX on our behalf. They have sent faxes, emails, and placed phone calls to just be forwarded to another department and the phone disconnected on multiple occasions. They have not been able to speak with the closing loan department, only with customer-service representatives. My husband and I have also been calling, faxing, and emailing if possible since XXXX. 

We finally received an incident number. We still would spend XXXX minutes to an hour on the phone convincing a customer service rep to type in the number instead of trying to find our information in the system. We no longer have any accounts with SunTrust or Truist and there doesnt seem to be any information on our closed HELOC. On XX/XX/XXXX, they assured us it was all taken care of. It was not, they did not provide what we were asking for and instead reissued the Certificate of Satisfaction that we already had showing the original deed of trust, which was released at the court, but not the Certificate of Satisfaction for the Modification. 

We have since received another incident number. Its been over four months since we started, and we're still awaiting resolution.

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 2020-07-06
Company: Colony Brands, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have filed paperwork for these companies showing fraudulent late pays on my credit. Even after it was fixed they added another negative during a PANDEMIC! This is outrageous and totally not fair. these companies need to be investigated and removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My name is XXXX XXXX, I have been a capital one credit card member since 2012 and one of my oldest credit cards on file. 

Due to inactivity my account was closed with no prior warning, just an email stating my account was closed. Prior to that email, no warning was given. 


Due to the pandemic we are currently in, My capital one credit card was the last line of available credit I had & I was planning on utilizing it which now I am not able to do because of the account closure with no warning Im disappointed in the company and the lack of courtesy to advise their Members that their card will be closed if no activity, especially during a hard time like this given the coronavirus pandemic. 

Like I stated previously this credit card is one of my oldest credit cards, I have been a member since 2012 and have always been a loyal member to capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Attached is latest proof of my claim of fraud. Previously, I have disputed items on my credit report due to identity theft for over 4 years. I had sent arrest and felony conviction information on the person listed in my XXXX Sheriffs report. Today, I am sending my supplement to the sheriff 's report I made in XX/XX/XXXX. I am sending previously sent documents but sending again for your convenience. I hope I am doing all that is right since I have never been in anything like this. I am sending the supplement to XX/XX/XXXX Sheriffs report, The XX/XX/XXXX Sheriffs Report, XX/XX/XXXX Judgement of Conviction on XXXX XXXX XXXX, Mississippi charges on XXXX XXXX XXXX ( Notice she also listed her name as XXXX XXXX ), Alabama Charges on XXXX XXXX XXXX. 
Please remove XXXX XXXX from my credit report :

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 2020-07-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am completely dissatisfied with this company called XXXX, XXXX. I have contact them and Experian MULTIPLE times over the years for them to remove themselves from my credit report. I sent the credit bureau the police report attached where my property, identification, and social was stolen back in XXXX. This company has been reporting on my credit since XXXX!!! Just in the last year I have sent them 4 different letters for removal from my credit report. Letters where dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX. All with the police report attached showing my identification was stolen along with proof of my address at the time. I have NEVER had an account with this company!!!!! Experian nor XXXX have sent me any PROOF, as in when or how, that these accounts were validated to be mine. They have nothing with my signature on it stating the accounts to be mine!!!!

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 2020-05-21
Company: EQUIFAX, INC.
State: AR
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 get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX {$420.00} XXXX   XXXX {$430.00} XXXX XXXX XXXX {$170.00} XXXX XXXX   XXXX {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXXXXXX {$750.00} XXXX XXXX XXXX {$75.00} XXXX {$150.00} XXXX XXXX  XXXX {$530.00} XXXX {$820.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$140.00} US DEP ED XXXX {$57000.00} XXXX/XXXX  XXXX {$13000.00} USDOE/XXXX  XXXX {$14000.00} CHAPTER XXXX BANKRUPTCY DISMISSED

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