BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The following " hard inquiries '' are being reported by all three credit bureaus ; ie, XXXX, XXXX, and Experian. I did not authorize these inquiries. I have disputed this information directly with the credit bureaus and the requesting companies, and I have not received any acknowledgment of my complaint or any response whatsoever. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX, FL 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 2020-10-13
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a complaint that was closed yesterday, and there was NO resolution. The representative that responded to you did not do as they said. They attempted to call me exactly one time, from a VOIP number, that when dialed back said the number was not a working number. They sent no email to the address they have on file for me, instead sent me a masked email through this service stating they had made several attempts to reach out to me to gain further information to see what could be done. One phone call is hardly several attempts. The number that they left in the email for the fax contact is not a working number, the phone number goes straight to a voicemail box to which I left 3 messages and did not have a returned call. There were 3 cash advance attempts made on my card on XX/XX/XXXX. Two for XXXX and one for XXXX. All three transactions were declined by the card issuer, however, the funds still deducted from my balance. I called them right after it happened to start the dispute process and sent in my information, along with the batch out report the manager of the establishment gave me showing that no cash advances were processed and no money had been paid out. That was in the very early morning of XX/XX/XXXX as I was on hold for almost 3 hours. I got the fax number from the representative I was speaking with so I could fax the information in right away instead of waiting on them to mail me a form, from dealing with this company before hand with my mother I know how caniving they can be. I received the docutmentation from them on XXXX and faxed the information into them for the second time, just to make certain that there was no way they could say that I did not give it to them in time. According to Regulation E if they are going to take more than 10 business days to investigate then provisional credit must be applied until the investigation is completed. XX/XX/XXXX was the 10th business day and i was told mulitple things by different reps from their company. Today I check my balance to see if I have enough to make an online purchase and I notice that 2 of the 3 charges  were credited back to my account, ONLY to have them deducted again immediatley. They are not following their word, they are violating the law, and I am out almost {$2000.00}. If this can not be resolved by them I have no problem with escelating the situation and seeking private litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
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: Account information incorrect

Complaint:
The following " hard inquiries '' are being reported by all three credit bureaus ; ie, Equifax, XXXX, and XXXX. I did not authorize these inquiries. I have disputed this information directly with the credit bureaus and the requesting companies, and I have not received any acknowledgment of my complaint or any response whatsoever. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Russell Collection Agency, Inc
State: MI
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:
XXXX has been non-compliant with removing the unverified account RUSSELL COLLECTION AGENCY INC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that RUSSELL COLLECTION AGENCY INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Released tax lien from XXXX XXXX Register of Deeds filed XX/XX/XXXX and released XX/XX/XXXX and XXXX XXXX Register of Deeds file XX/XX/XXXX and released XX/XX/XXXX. I relocated out of the XXXX on XX/XX/XXXX and I relocated to XXXX. According, to the Taxpayer Rights Handbook available on the State of XXXX Website, as a resident and taxpayer, I was entitled to specific notifications prior to the state of XXXX placing a tax lien on me. I did not receive proper notification. I did n't receive any notifications at my XXXX address. If I had received the proper notifications a tax lien would have never been issued. I was made aware of the liens via credit application in XXXX in the State of XXXX and immediately addressed the liens. I am requesting removal of the liens from all 3 credit reporting agencies. I have disputed multiple times and each time XXXX, Experian, and XXXX states " the lien has been verified '' but the State of XXXX states " they do not report to any credit reporting agencies.

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 2018-11-20
Company: Professional Recovery Management
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have initiated a previous dispute with CFPB concerning XXXX XXXX XXXX   placing a collection account on my XXXX and XXXX credit reports. I recently sent XXXX XXXX XXXX another letter asking for validation of the alleged debt amounting to {$360.00}. XXXX XXXX XXXX did not provide any documents or evidence to validate the account, but instead asked me to sign a consent to release information and reports that I have been identified as the consumer on the account. This company kept this account on my XXXX and XXXX credit reports despite providing proper validation of this debt, but instead of verifying ( identifying ) the debt. Again, XXXX XXXX XXXX did not provide any documents or evidence to validate the account, but instead kept the account on my credit reports AND asked me to sign a consent to release information. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX and XXXX credit reports or provide me with PHYSICAL PROOF, such as a signed legal binding contract of the debt. I have attached XXXX XXXX XXXX XXXX response to my letter requesting validation of the debt, in which they requested I sign a consent to release information. Your immediate response will be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The State of Alabama HR has falsely reported the payment history, balance and subjected payment amount of my child support incorrectly to Experian. I have tried on numerous occasions to have this account removed due to it 's wrong reporting. The account continues to come back as a verified account, however I have proof that the information being reported is incorrect. I have been in the process of working with a realtor and I recently applied for a home loan. However, I was denied due to this account showing as a delinquent account most of XXXX. My child support is automatically deducted from my check each week. The deduction is labeled as " Other Deduction 1 ''. The stubs in question are XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX. This account has caused my credit scores to stay in a poor range. The falseness of this account is a violation of the FCRA " Willful Financial Discrimination ''. 

I sent a certified letter asking for validation and payment history on this account and I never received a response. I sent a letter asking for the account to be sent to my state of residence and still no response. According to Alabama Child support policy " Arrears is only reported if the account is in the arrears over {$1000.00} '', which my account is not!

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 2018-02-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In 2016 my mortgage was sold to Carrington Mortgage Services. The online interface for Carrington frequently lags behind, is regularly incorrect, and they do not provide any notifications about activity on your account. 

When I attempted to set up recurring payments online, the account told me that if I signed up it would cancel any outstanding payments. It turns out that they did not cancel my payments, and as a result I had multiple payments taken out of my account in the same month, putting me in great financial and emotional distress. To stop this from happening I put a stop payment order on the account from my home bank account. When I attempted to pay the mortgage the next month, I mistakenly left the stop payment on my checking account, causing the payments to not make it to Carrington.

Carrington has responded by banning me from making online payments for a period of time, but didn't tell me until the payment by mail was guaranteed to arrive after the 30 day period I have to make my payment. This has resulted in my credit score going down, I have to pay an extra cost each month so that I can physically mail a check, and this makes it much more difficult for me to pay my mortgages on time as I have to verify online and over the phone every month that they have received the check. 

I feel that by selling my mortgage to a company that actively makes it more difficult to pay my mortgage, I have been put at a significant disadvantage than I was at during the original agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: CITIBANK, N.A.
State: LA
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 recently contacted Sears/CBNA credit card regarding my credit card account reflecting 30-60 days late ( XX/XX/2018 ) on my XXXX, XXXX, and XXXX credit reports. After discussing with Sears/CBNA that they did not have the proper contact information, this company refuses to reverse the 30-60 days late in XX/XX/2018. In the attached letter, the company acknowledges having the incorrect phone number and acknowledges they were not able to contact me by phone regarding the delinquent payment at the time, AND still does not remove the 30-60 days late in XXXX. The company states I received a paper statement and that should suffice but again, does acknowledge having the wrong contact number for me. I have since closed this account due to the lack of integrity within this company. I am requesting that you investigate this matter and either delete this account from my XXXX, XXXX, and XXXX credit reports or remove the 30-60 days late payment history from XX/XX/2018 on all three credit bureaus. I have attached Sears/CBNA 's response to my letter requesting the removal of the 30-60 late payment, and again, they acknowledged having incorrect contact information listed on my account but refuse to remove the late payment. According to US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX, I am entitled to have correct payment history reported or else this will be a law suit for defamation and financial injury.

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 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 submitted my dispute letters over 30 days ago. The companies listed below have failed to respond and they are in violation according to 15 USC 1692. I did not give my written consent to disclose these things on my credit report according to 15 USC 1681 this is a violation. These accounts should be blocked and removed from my credit report. I have sent my FTC for these fradulents accounts.

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 2018-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM CONTINUING TO INFORM YOU THAT XXXX IS REPORTING INACCURATE FRAUD INFORMATION INTO MY CREDIT FILE. YET YOUR COMPANY CONTINUES TO REPORT MEDICAL BILLS THAT DO NOT BELONG TO ME. HOW HAVE YOU VERIFIED ANY OF THIS? WHOM HAVE YOU SPOKEN WITH? AND WHAT DOCUMENTS HAVE THEY SENT YOU PROVING THAT THESE ACCOUNTS ARE MINE? NOT ONLY THAT, MEDICAL INFORMATION BEING REVIEWED AND I HAVE NOT GIVEN PERMISSION TO IS A VIOLATION OF HIPPA. SO HOW IN THE XXXX ARE YOU VERIFYING ANY INFORMATION WITH XXXX AND THEY CANT VERIFY ME WITH ANYTHING? THEY HAVE NO CONTRACT BEARING MY SIGNATURE AND A PAPER WITH A BILL IS NOT LEGAL DOCUMENTATION. I WANT THESE ACCOUNTS REMOVED IMMEDIATELY OR I WILL BE FORCED TO PURSUE LEGAL ACTION AGAINST TRANSUNION AND XXXX. 

YOU ARE ALSO REORTING ANOTHER ACCOUNT WAYPOINT RESOURCE THAT DOES NOT BELONG TO ME ITS A RESULT OF IDENTITY THEFT PLEASE REMOVE.

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 2020-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My capital one card and XXXX credit cards have all been hacked multiple times. After so many times of disputing transactions I decided to freeze those credit cards, until I could catch up on all the transactions that were going on. 
You see, i worked as a XXXX  XXXX for the XXXX XXXX with a company called XXXX XXXX XXXX. For 6 years I collected a few XXXX XXXX XXXX/XXXX XXXX, and XXXX  marked another XXXX XXXX acres all of which were under deadlines. There was not much down time let alone cell service to keep up with these fraudulent charges, and from using unsecured WiFis like XXXX, cheap hotels ( had a phone stolen also a riffle ), XXXX to send XXXX XXXX data in didnt help. 
I gave the XXXX XXXX everything I had, and now Im paying for it. With no XXXX XXXX  east of the Mississippi, and me being thousands of miles from home, I Found myself forced to not even dispute some charges just for the fact id be trapped without money. 
Both the XXXX credit card and capital one did notify me of fraudulent charges, but being in the national forest for weeks at a time I would end up finding myself getting behind and behind, to the point that Ill never catch up to the wrongful/disputed charges. I also need a new S.S number, I cant even check XXXX XXXX  because someone already has it under my email. 
I gave so much to our XXXX XXXX XXXX/XXXX XXXX that I would hope Uncle Sam can help me in a time of need.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
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 getting, activating, or registering a card

Complaint:
I purchased a netSpend VISA card for {$350.00} from a local store to use for a single online purchase for a merchant who doesn't take XXXX. Tried to activate it and was told they wanted more information, including photos of my driver 's license and a utility bill to be sent over unsecure email connection to XXXX or XXXX somewhere ... I did that, grudgingly, after they said the card was unusable unless I did. None of these requirements were listed on the external packaging, but were apparent only AFTER purchase. A few hours later, they demanded a photo of my original social security card ( they'd already asked for the number, which I provided ). When I got suspicious and wary of sending those items online in what was starting to look like an identity theft attempt, they refused to activate the card and told me I'd have to return to the store for a refund. I contacted the store who said that netSpend was lying, that they could not do refunds on the cards and netSpend knows this, and it is even printed on the receipt. I relayed this to netSpend who then said they could activate the card for in-person purchases only ( which defeated the ENTIRE purpose of purchasing the card and made it useless ) or I could pay them another {$5.00} and they might return my money in 10-20 days. I told them to close the account and return my money ... which I will probably never see. I then looked at the XXXX ratings and realized I'm the latest of a long list of people who have had their money taken with no recourse. Something needs to be done about netSpend and the stores who sell them.

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 2018-11-20
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

The Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

The unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the Event of your first if you state the following accounts verified & that these items are being reported correctly Who verified these accounts? You have Must provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, US DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation