BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've disputed incorrect address to XXXX XXXX in XX/XX/2018, as well as to Equifax on XX/XX/2018. They both are refusing to delete the incorrect address off of my credit report. I've never resided at the address and my name did not appear on their lease. the incorrect address are : - XXXX XXXX XXXX XXXX, Il XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
The only addresses that should be reported on my credit reports are - XXXX XXXX XXXX XXXX, XXXX  XXXX - XXXX XXXX XXXX XXXX, XXXX   XXXX In addition to the only phone number that should be reported is XXXX. I've been denied apartment applications because my credit history reports differently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
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 pulled my credit report and noticed that I have accounts on my credit report that doesn't belong to me. I did not benefit from the accounts in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 non-monetary relief
Consumer complaint received 2021-04-28
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:
Dear XXXX : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction XXXX XXXX ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: EQUIFAX, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
Dear Consumer Relations, The reason for me filing this complaint is due to Equifax blocking me from getting a update copy of my annual free credit report from XXXX XXXX and order sites. The information on XXXX XXXX shows Equifax has block forwardong a updated report since XX/XX/2017. I have contacted Equifax several times to tried to resolved this issue to no avail. When I spoke to a representative about removing the credit freeze from my credit report, " she stated I don't care if you want to remove the freeze from your credit report '' because Equifax decided to keep your report block. I told her this is a violation and that I should be able to have access to my credit file. I am requesting your assistance in helping to resolved this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan number is XXXX my interest rate is 7 % I have a mortgage payment with Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, SC XXXX phone number XXXX, I am current with my mortgage and on XX/XX/2018 I wanted to pay more to my principal and Escrow to pay more off and their pay buy the internet website does not allow you to pay XXXX to XXXX dollars extra it automatically gives you a message that reads " You can not make this payment due to a balance! '' well thats what im trying to do. I believe this company does this on purpose so they can charge you more interest on the whole balance which is a terrible practice. I also called on XX/XX/2018 to ask if i can buy a point down to lower my interest and they say they don't do this. I want to be able to pay extra on my account like pay on my principal and escrow and be able to buy my interest down if possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.

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 2021-03-01
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is. I want to open an investigation and solve my problem because is affecting my credit score.

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 2018-07-04
Company: Eastern Account Systems of Connecticut, 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: Their investigation did not fix an error on your report

Complaint:
I never contacted, contracted, hired or caused XXXX XXXX XXXX to do anything for me that I am obligated in any way to pay them for. 
They have no agreement or any other legal claim for payment from me. I owe them nothing, I don't even know who they are. 
I have never been contacted by them prior to them causing Eastern Accounts to place a collection item on my record with the CRA 's. 
Just because XXXX XXXX verifies the amount, does not in any way prove that I owe them anything. I have no knowledge of why they think I do. 
It's very simple to claim money. It is very difficult to prove you are owed, without any type of contract or other document, signed where I agree to pay or even have caused to be paid. 
No company should do work or try to charge for work without some document stating that the person the are trying to collect from has knowledge of and agrees to the charges and intends to pay them for said services. 
Provide written proof I hired a service from you and I'll pay it. Otherwise, I will not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
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: Account status incorrect

Complaint:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 90 plus ) days late on the XXXX  - partial account number XXXX. I set up automatic payments on this account and the bank did not run the payments correctly on the scheduled dates for payment. Consequently, this banking error caused the account to go late and the account was then reported to the bureaus as being past due. The bank acknowledged these errors and refunded the fees associated with the lates. ( I have also attached a copy of the letter from XXXX XXXX XXXX verifying that I had in fact enrolled in the bill pay services on XX/XX/2020 for XXXX XXXX. ) I have contacted the bank on multiple occasions to request they reach out to the bureaus to have these lates be removed from my credit report. This false reporting of lates is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have also tried on multiple occasions to contact the bureaus to remove these lates however, I have not been successful.

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 2021-03-01
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new XXXX Checking account and submitted >XXXX transfer. 
The account is opened with an active offer that includes {$2000.00} bonus with a {$200000.00} deposit maintained over 60 days I maintained a balance >XXXX for more than 60 days in order to earn this bonus. 

This was confirmed as below by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2020, XXXX XXXX  to me Hello, XXXX XXXX, The promotion was successfully attached to your new XXXX account. Thank you again for your patience. 

My apologies for my delayed responses to your emails. Tomorrow I will be out of office, I return Thursday. 

Best Regards, XXXX XXXX Personal Banker Citibank XXXX XXXX XXXX XXXX XXXX, NY 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 2021-03-01
Company: The Receivable Management Services LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by someone I do not know. Please feel free to contact me with any questions or concerns.

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 2020-08-30
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have called multiple times and have spoken with multiple employees to try to get modification papers mailed out to me so I can apply for a modification. I'm in a chapter XXXX bankruptcy, and am being told that I am not able to receive modification papers directly. They have to be sent to my lawyer, who is to then forward them to me. Though my lawyer tells me this shouldn't be the case, Mr. Cooper persists that it's their rule. They said the papers were sent to my lawyer the 1st week in XX/XX/2020, but my lawyer states otherwise. I called recently, XX/XX/XXXX and spoke with a Mr Cooper employee who stated they faxed the paperwork to my lawyer. I advised that my lawyer doesn't have a fax machine, they are completely paperless and can only receive emails. The employee advised me they are not allowed to send emails and persisted there is nothing else she can do to help me. I requested a supervisor, and was put on hold to be left there. I need modification papers ASAP and am unsure why Mr Cooper is so unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The servicer closed the account. The account has been paid in full and it is reporting derogatory information. They are now reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pulled a copy of my credit and I found an account with a company that I never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2018 A payment of {$500.00} was made on this account. The payment posted and the funds were available. Typically, if a payment is made from an account other than my capital one savings, the payment and funds take a few days to clear. This being the typical process, it was safe to conclude that the payment submitted in XX/XX/2018 cleared. Throughout the month, I used the card as usual. I took a cash advance and made in store transactions. 
On XX/XX/2018, I noticed that Capital one allowed for this payment to be reversed. I am unsure as to why. As to their own policy of making funds available AFTER funds from payments are verified I am unsure why this is happening. The payment on this account was in full and intentional. the information used to submit the payment match my account. 
With the reversal, my account is showing 200 % usage which is inaccurate and unfair. 
Payment for XX/XX/2018 was in full and on time. I was never contacted regarding any inefficiencies with my XX/XX/2018 payment.

I want that reversal removed and my account balance to reflect the balance for the purchases and cash advance that occurred in XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
ive sent them multiple letters and they refuse to respond or validate the debt they claim i owe. Ive recently received a letter and email from them stating that they didnt have to validate my debt or answer to my dispute letters because i didnt dispute within 5 days. This is absurd and they still cant not send me an original contract with my signature. I have sent multiple letters and they havent responded within the 30 day period. My next step is small claims court. they keep harrasing me by email and phone after they already have broken the law. This needs to be removed from all bureaus because there lack of responses and inability to verify the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: Premier Auto Credit
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
premier auto credit has continued to report incorrectly on my credit for almost 6 months now. The mail i have sent to them regarding my alleged debt has been returned multiple times. This means the address listed on my credit report is incorrect and HAS to be deleted by law. I have tried to contact XXXX and XXXX regarding this matter and they haven't responded either. I have proof and the undelivered letter that i received back when i sent a letter to the address reported on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: COMMUNITY CHOICE FINANCIAL, 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:
Cash central has put this debt on my credit multiple times. I found the last complaint with the CFPB involving XXXX XXXX that resulted in the removal. Complaint ending in XXXX. At that time Cash Central did not supply XXXX XXXX with documentation confirming the debt and it was removed due to the debt being erroneously put on my report. You can find this compliant that was submitted to the CFPB on XX/XX/2018. Cash central has a history of putting incorrect information on peoples credit reports which can be found at this link XXXX XXXX XXXX 


At this point, Nothing further should be needed from me. This debt has been proven countless times to not be mine. Again, when a debt is found to be erroneous, it is illegal to re report that same debt to the credit bureaus. I received a letter from XXXX XXXX that they did not see the account reported any longer. Cash Central, if you have re reported again, please comply with the law and remove effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pulled a copy of my credit and I found an account with a company that I never authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hello, My name is XXXX XXXX XXXX XXXX XXXX and I am facing an issue with Bank of America since XX/XX/2018. 
A friend of mine ( XXXX XXXX XXXX XXXX ) owed me {$520.00} and he planned to send the funds through his XXXX account ( via mobile XXXX app ) back on XX/XX/2018. 
I received a text message from Bank of America on XX/XX/2018 at XXXX XXXX EST saying that the {$520.00} will be credited soon to my account.with the confirmation # XXXX ( screen shot attached ) Since then I have not received even a single penny with respect to this transaction. when i spoke with the Bank of America aka BOFA they said that the ball is not in their court and advised me to go to the chase bank. similarly, when I went to the XXXX XXXX   they recommended me to go to BOFA. 
I suspect that it is on BOFA and they were not able to locate my funds. BOFA told me that as he ( my friend ) sent it through XXXX using my phone number that I should register with XXXX using my phone number. Surprisingly when I tried to register with XXXX through the phone number it says that " I have already been registered using Phone number ''. ( Image attached ) As per the banking rule, the funds go back to the sender after 2 weeks if the transaction is not successful. In my case, the sender have not got back his funds either. ( attached Sender 's bank statements that there has been a deduction of {$520.00} and sender has not received the money back which means the transaction did go through. ) Also i have attached my BOFA statements to depict that I did not get my money.

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 2019-04-19
Company: Regional Acquisition Group, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
They're trying to charge me more interest rate when the car is totaled and a complete loss the collusion XX/XX/2019 Noom

Company response to consumer: Untimely response
Consumer complaint received 2018-07-04
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XX/XX/208, American Express bluebird til {$44.00} from my account. Labeled as XXXX American Express. I called them and was told it was a computer glitch that double charged me. I was also told it happened to other prepaid users, blue bird and serve card. 

Every day I call, get told oh we know about it and it will be fixed in 24 hours, if not call us back. Every day for 5 days now. 

They are aware of their own computer system taking consumers money illegally and not refunding it. 

Escalated to countless supervisors and still no money back in my account. They were never authorized to take the amount nor hold it. Best I can hope for is to get it back, in the meantime, that money was to go to bills, food and gas which has put a dent in my day to living.

I am tired of calling and being on hold for over an hour just to be hung up on or hear the agent laughing with their co workers and no addressing the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Experian Information Solutions Inc.
State: CO
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  and Experian should not be reporting collections on the DP OF EDUC partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. I have also attached a copy of my identification documents for reference. ) These accounts have been discharged. I have attached copies of the documentation I was sent stating the Department has discharged the federal student loan or TXXXX XXXX XXXX obligation This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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