BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are two accounts on my credit report by XXXX XXXX. I dont have ANY contract or transaction with this company nor have I authorized any transactions to be transferred to this company. The account information on both of these accounts does not show my COMPLETE and ACCURATE information as required by the FCRA. It does not show my social or date of birth therefore it ca n't be verified to be an account owned by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: EQUIFAX, 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:
ON XXXX XXXX 2017 I CHECKED MY CREDIT REPORTS AND FOUND ACCOUNTS THAT ARE FRAUD I CONTACTED THE CREDITORS AND CREDIT BUREAUS NOTIFYING THESE ACCOUNTS I ASKED THEM TO VERIFY THESE UNVERIFIED ACCOUNTS AND I 'VE GOT NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: NE
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:
In response to the account XXXX XXXX XXXX # XXXX, that was deleted from my Equifax consumer files on XX/XX/2021, multiple FCRA violations have been committed on behalf of Equifax in regards to my consumer rights and their inability to notify me of this item 's reappearance on my credit report. Such violations have caused my FICO score to drop significantly and has hindered my ability to attain credit products. I have attached screenshots of my drop in FICO scores along with a credit card denial letter from XXXX XXXX XXXX in which the main reason for denial was a serious delinquency, as such delinquency, which was caused by Equifax 's lack of due diligence. 

This account reappeared on my Equifax report on XX/XX/2021. I have not received any communication that Equifax has received any new documentation urging them to reinsert this account from the original creditor. Simply saying that they have new information does not suffice, as I, the consumer, must have proof of this new documentation, which I have never received. I have only received a notice saying it was reinserted, with no true proof that an investigation was conducted nor new documentation found justifying its reinsertion. Neither did I ever authorize this reinsertion which constitutes to the following FCRA violations : 1. FCRA 611 ( 5 ) ( B ) ( i ) 2. FCRA 611 ( 5 ) ( B ) ( ii ) 3. FCRA 611 ( 5 ) ( C ). Procedures to prevent reappearance I, XXXX XXXX XXXX, have every reason to believe that Equifax has not maintained reasonable procedures to stop this account from reappearing on my credit report within these three federal statutes : As I was never made aware that correspondence was ever made between Equifax and XXXX XXXX XXXX after XX/XX/2021, when the item was initially deleted and between XX/XX/2021 when the item reappeared. Equifax sent me a notice in the mail dated XXXX XXXX. Such notice stated that the account was verified on my credit report. Yet no explanation as to how they were able to verify this information was included. I have reason to believe that Equifax has conducted no reasonable investigation into the reinsertion of this account. My consumer rights have been violated and I am prepared to file suit against Equifax in small claims court pursuant to FCRA 616 and FCRA 617 if this item is not promptly deleted from my Equifax credit profile. I urge that you make Equifax aware of the amount of compensatory damages totaling {$3000.00} that I am owed as a result of their negligence and FCRA noncompliant behavior n regards to FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] FCRA 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ]

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contact IC Systems and the credit bureau to share that this debt in the amount of {$3300.00} is not mine. This is my spouses debt. He received XXXX XXXX from XXXX XXXX and signed to pay for the dental work and is legally responsible for the debt. XXXX just recently followed up on this dispute and closed the case shared that it is valid when it is not valid.

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 2018-01-19
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I ( XXXX XXXX ) contacted Ad Astra today XX/XX/2018 at XXXX to attempt to settle a debt. I am not acknowledging the liability of this debt. I spoke with a rep and she stated to me Ad Astra never sent validation of this debt. The rep stated I have the company on do NOT contact which I have never done so, therefore they ca n't validate the debt. The company admitted to not being able to validate this debt. Under FDCPA and are set out in 809 of that act, which has been codified in Title 15, Section 1692-1692p of the United States Code. This debt needs to be removed immediately from my credit file ( XXXX, XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
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: Information belongs to someone else

Complaint:
This company is representing an apartment complex I lived at. After two years they are stating I owe them $ XXXX. I have attached email between me and the apartment property management. They have now sold the file to a collection company while in dispute. Also I stated the rental box was broken into when I put in my 60 day notice. Should n't they have all this information? Should they have not done a police report? Property : XXXX XXXX XXXX Unit : XXXX Account # : XXXX Current Balance {$5400.00} I have disputed this prior to being sold as not mines and I do n't owe any moneys why they have sent collection is 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 explanation
Consumer complaint received 2020-05-05
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a complaint against Citibank and Macys. Ive called them several times and have been unsuccessful in reaching a resolution about settling a debt. Ive waited over a month for a response and have received nothing. When I call the reps, they give me the run around and ultimately are not able to help me. 

In addition to phone calls, Ive also sent out a letter to each creditor asking to settle the debt and again, no responses from either company. I have home ownership goals and needs that require my credit to be clear of any debts. Im willing to pay any monies owed and need to get this resolved ASAP. It is urgent that this matter is tended to immediately. 

Once paid, I would like to get any negative credit reporting and history from Citibank and Macys removed from my credit report entirely. 

Please contact me ASAP regarding this matter. 

Thank You, 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 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ordered the cable and internet service with the XXXX XXXX XXXX   without a contract. I canceled the contract and they are charging me the equipment. I give the equipment and I will send you proofs. I did not give him the information of my social security I do not understand how they got it.

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 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 2018-01-19
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a single father with XXXX children. I signed into a contract with the bank XX/XX/XXXX when I was going through a divorce. I was making payments on this mortgage until XX/XX/XXXX when my monthly payments went up over two thousand dollars A month what they where ( because I was n't able to make A property tax payment ). This was the first time I contacted the banks Loss Mitigation Department. After going to Loss Mitigation Department they keep coming back with payments that where just to high for me to handle and I informed them of that. On XX/XX/XXXX I received a court document stating complaint to foreclose mortgage. When I received this document I contacted the banks Loss Mitigation Department again. Because I was not able to come up with the money they where asking for on a monthly basses. I then started looking into selling the house so that I would be able to pay off the bank holding the mortgage. I put the house on the market looking to sell it as is. I was finally able to find a buyer in XX/XX/XXXX. While going through the process the relator found that the house was sold in a Sheriff Of XXXX  County Sale. I was told that the law in IL was the bank would not be able to put the house up for sale prior to one year of me being notified, which would have been XX/XX/XXXX. I found out they had sold it almost five months early than that date. I was told I needed to contact the banks loss mitigation department. I contacted them and informed them I needed a copy of my loan file, all communication efforts by the bank and or legal team. all they sent me was the XXXX XXXX XXXX XXXX paper work from XX/XX/XXXX. Today I received a Final Eviction Notice along with Order Confirming Sale Dated XX/XX/XXXX. It states that no defendants appearing before the court. I did not know about this court date or any other court date prior.

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 2018-01-19
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: Account status incorrect

Complaint:
I applied for a home loan pre-approval recently and the mortgage broker informed me that my Equifax score showed up as XXXX due to " Serious recent delinquencies ''. However, nothing was actually shown as delinquent on the report that the broker pulled, nor on my credit report. My Equifax report shows my FICO as XXXX with no delinquencies or pubic record. 

This is a serious issue because I ca n't contest this with Equifax unless a derogatory account is listed. My identity was stolen on X/XX/15 ( CFPB actually helped me resolve an issue with XXXX 's that arose from this identity theft ) and I filed the appropriate paperwork including a police report and place a fraud alert on all 3 reporting agencies. I also locked my credit to prevent further theft. Currently the only debts I have are a student loan ( XXXX/XXXX ), and two credit cards ( XXXX and XXXX XXXX ). All of my accounts are current and in good standing. 

I would like this resolved as quickly as possible, especially since I 'm looking to purchase a home within the year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19
Company: Self Lender Inc
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Upon reviewing information regarding my Self Lender loan I noticed that I had a pending transaction that I did not authorize on Friday, XXXX XXXX, XXXX in the amount of {$50.00}. On Tuesday, XXXX XXXX, XXXX I did authorize a payment in the amount of {$48.00}. So I called my bank to determine if they had a transaction pending from Self Lender in the amount of {$50.00} and they could not find the pending transaction that was listed on my Self Lender account. I also learned that my account was overdrafted because of a withdraw from Self Lender. So I then called Self Lender 's XXXX number to have the transaction stopped because I did not authorize the payment on XXXX XXXX and did not want to pay any additional fees. I was put on hold for over 10 minutes twice and the phone call was never answered. I contacted someone on chat on the website and received an answer. While speaking the XXXX ( I believe ) I was informed that a transaction could be pending for two to four business days before it is withdrawn from your account, that it could take up to seven day for it to update on the website and that the transaction could not be canceled before the representative rudely disconnected the chat message with me. When I attempted to use the chat again it says that it was unavailable and the office was closed. This is the second time in a row that Self Lender has held a payment until my account balance is low and attempted to withdraw funds. I believe it is in an effort to collect late fees and insufficient funds fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a bank subpoena on XX/XX/2021 regarding an account that was opened under my name with XXXX. I had no knowledge of this which is why I filed a police report right then and there. Crown asset management went into my savings account and pulled out the full amount without warning. I then filled out a claim of exemption form and filed it with the court timely. The judgment debtor denied it. Then I appealed it with the court and appeared in court on XX/XX/2021 and represented myself and the judge approved my claim of exemption and ordered to have my funds released into my account. Today which is XX/XX/2021 I received a notification from XXXX stating that my wages are going to be garnished from crown asset management. I contacted the court and they stated that the case has been closed and the funds were to be released into my account. OXXXX XXXX  website it states that starting from my next pay. Crowned asset management will be garnishing my wages even after the judge ordered for my funds to be released to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Law Offices of Robert J. Colclough, III
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Last week I received 2 letters from the sheriff 's office of LA stating Two judgements put on my house My wages are gon na be garnished For a false deabt collection please you must stop this scam They fraudulently Filed lawsuit Against me without contacting me no letters no one served me they just did it out of the blue I am desolate I'm XXXX  my XXXX   XXXX XXXX, We asked them for debt validation we have not received it to this date we don't even know who these people are scammers thugs consumers need to be aware of this illegitimate companies We have no idea what this debt is at all please help us resolve this matter at once and notify the consumer of this kinds of scams

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage on property at XXXX XXXX XXXX XXXX, XXXX XXXX, La. since XXXX and the mortgage have been transferred about six times or more. I am now assigned to Vanderbilt Mortgage and Finance Co. also XXXX XXXX it was a 80 to 20 loan. I filed a bankruptcy on XXXX XXXX, XXXX and payments was collected monthly in the bankruptcy payment plan and I paid XXXX each month.I have proof that the payments was paid. My attorney XXXX XXXX advised me to asked Vanderbilt for a modification and I did send the paper work in, I got out of bankruptcy in XXXX XXXX and continued to make my payments even now. I received a card from the Sheriff in my door. I would like to save my home but they told me I would have to pay {$6000.00} to bring my account current. I still pay XXXX XXXX each month. I would like you to investigate the payments I was told that when I got out of bankruptcy the money owed would have to be paid to bring the account up to date. I would like you to investigate .and remove this complaint from the better bureau from my record. My daughter is with me and I have more income to help me pay my morgtage she help with all my bills and that is why I asked for a modification loan and was declined or pay XXXX to catch up.

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 2022-01-10
Company: EQUIFAX, INC.
State: TX
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal has limit my account and stopped me from withdrawing money without giving full explanations and alternate solutions to fix whatever problems ( if any ) I have. 

I have already file a complaint here last XXXX but the company Paypal only restored partially my account but still I can not withdraw or make any transactions.

Company response to consumer: Closed with explanation