BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-03
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I filed a complaint with Equifax concerning a collections debt and other address and phone number and name mistakes that did not belong to be. ( My ex-wife 's maiden name XXXX and her new married name XXXX have been reported as mine ). I also filed this with XXXX and XXXX, both of which resolved these issues ( expect the names ) before 30 days. On XX/XX/2019 the complaint was completed by them- they corrected the address and phone number but not the 3 debt collections. 
I was unable to access my results on line. I called few days later, nothing was resolved. On XX/XX/2019 I filed another complaint with them regarding the same issue ( 3 debt collections 2 of which held with XXXX XXXX XXXX for XXXX XXXX XXXX   XXXX ). I was again unable to access my results on line. In mid-XXXX XXXX  of the collections debts were removed from my report ( one from XXXX XXXX XXXX for XXXX XXXX XXXX XXXX ), as reported by XXXX XXXX. One has remained, the entire time. In Mid-XXXX I again filled another complaint for the last one held by XXXX XXXX XXXX for XXXX XXXX XXXX  XXXX. This bill also does not belong to me. 
I have tried at least 10 times to access my results on line as instructed by the emails sent by them, every time except one has failed, I am always sent to a page to call them. I have also never received any copies of my credit report from them as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Re : XXXX XXXX XXXX XXXX MI application for auto loan requests for credit history. 

Permission was given for only one credit inquire on XXXX XXXX XXXX and four were pulled on same date. One of the credit pulls was a duplicate. Permission given for XXXX XXXX XXXX XXXX, XXXX, MI ( a  duplicate pull ) and not XXXX XXXX, XXXX, MI, or XXXX XXXX XXXX, XXXX, MI. 

The above causes adverse credit which I have been trying to build these past few years. I want the three adverse inquiries cancelled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
The company macys failed to provide the disputed account payments history for XXXX XXXX XXXX. If the company can't provide such information this account is considered over 7 years old and should be deleted/removed

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 2017-08-31
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XXXX XXXX, XXXX, I applied for an apartment and my application was denied due to Equifax reporting inaccurate information on my credit file from identity theft incendents that have already previously been confirmed as identity theft and removed from my credit reports and files. I want every trace of the identity theft removed from my credit files so that I will never have this issue again when applying for credit. It 's not fair that I, as a victim, am still suffering from with the acts of XXXX against me at the identity Theft 's hands .... Please update my credit file promptly, so that any judgements, rental history, credit cards and loans are no longer showing on my reports as a result of fraud. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, I received my annual credit report. In detailed a listed an account from Amsher Collection SE. It states they are trying to collect a debt from XXXX XXXX. I have called and written letters asking that this debt either be validated and/or verified. Amsher Collection has not responded via written or verbal. Since they have not responded within the 180 days allotted, I am asking that they remove this information from all reporting credit bureau ( s ). They have no information listed except that this information was brought by a third party in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I completed my Trial Period Payments leading to a permanent loan modification with Fay Servicing on XX/XX/2017. They have not abided by the permanent loan modification contract. Fay Servicing continues to charge me ESCROW when my first mortgage with XXXX has the ESCROW. Over and over again I have provided proof of another lender ; the 1st lien, having ESCROW which covers all of my homes taxes and homeowners insurance. I have recently refused to pay anything above the principal and interest payment. There is also a Suspense ( Unapplied Funds ) in the amount of {$430.00} that Fay Servicing is holding but they continue to say I am in default. This has not only been detrimental to my credit score which is now XXXX thru XXXX and shows I am 3 months in default, I have also received an ACT 91 for the default when I continue to pay my Principal and Interest each month excluding the last two months because they actually owe me money at this time. 

I have had numerous Fay Servicing Relationship Managers in the last year and with each change, there are promises for corrections to no avail. If I do not comply with the ACT 91 process, they will more my loan into foreclosure. This is the last thing I need or deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transworld reported a debt not belonging to them. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Providing a copy of my last statement is not enough evidence. 
The monies owed was paid to XXXX, the original creditor. Therefore, you should not be reporting this as a collection on my credit report. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian is reporting a Bankruptcy on my credit report. The courts does n't verify this information. It was pulled from a third party reporting agency. Therefore it needs to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Their website does not allow for homeowners to indicate where funds should be assigned to. I have been paying a little over my monthly dues and as of today my principals has not changed, I'm seeing a negative escrow answer when I asked to speak to some today, XX/XX/15 @ XXXX ( XXXX ) I ended having to deal with an arrogant, immature representative who placed ne on a long hold so that I could hang up. This is always the situation with Selene. Their Representatives are rude, disrespectful and never want to assist. I would like a payment analysis and an escrow analysis as well as a principal analysis as I have strong feeling that they are not putting any money towards my loan. When I asked the representative to plenot speak over me and to allow me to speak she hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: WY
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 have a collection on my credit report identified as XXXX XXXX. This account was transferred to a company called XXXX  and later to a company referred to as XXXX. In the process of buying my home we attempted to pay this debt and contacted all three companies and were told my file did not exsist. We did dispute the account with all three credit bureaus with all three saying the debt was valid. We disputed three times asking for proof of debt for information on how the debt was validated and got no response from on bureau other than the debt was valid. To close on the mortgage our lender said the debt must be paid so under direction of XXXX they said the debt would be deleted from my credit report once a check was sent to a company called XXXX. XXXX did provide us with a file number after multiple phone calls. After waiting for a significant amount of time we called XXXX  to see when this trade line would be removed from my account their response was we cant find that fine so we dont know what happened to the check and we dont know how to have it removed. Therefore we have paid a debt with an agreement to have it removed from our credit report asked yo have the debt validated along with five others on our report and not a single one to this day has been validated by a single person we have requested this from. So we are requesting this trade line that has been paid be removed immediately and the five others that they can not validate be removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: EQUIFAX, INC.
State: PA
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:
Used XXXX and online accessed my XXXX and XXXX reports..equifax had issues I tried twice and the verification question had nothing to do with me..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These inquires were unauthorized. -XXXX XXXX XXXX XXXX XXXX IS REPORTED AS A INQUIRY 3 times XXXX XXXX IS REPORTED AS A INQUIRY 3 TIMES XXXX XXXX XXXX XXXX XXXXS REPORTED AS A INQUIRY 2 TIMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTED 2 TIMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTED 2 TIMES XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: FORD MOTOR CREDIT CO.
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:
There is information on my credit report that doesn't belong to me. I have no car loan or any type of loan with the instititutions reporting these accounts on my credit reports. 

XXXXXXXX XXXX XXXX XXXXXXXX ACOOUNT # XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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 2022-01-19
Company: EQUIFAX, INC.
State: AL
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 written XXXX, Equifax, and XXXX several times with proof showing that the inaccuracies they are reporting on my credit files are inaccurate. They will not investigate and they will not delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: FISERV INC.
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
For the last 2 weeks I've been trying to activate the eipcard I got as part of the stimulus. I call the only number available that it claims is for customer server 24/7. I follow the directions and press 1 for customer service or to activate the card. Then it asks and I put in the card number. Next it asks for and I provide the last 6 digits of the Social Security number. The recording then says " We're unable to process your request at this time. Goodbye. ''  There is no other phone number for this card or a way to contact customer service on line. The only other way to contact them appears to be an address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: OK
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 sent my letter off. I told the credit bureaus to " Names, Addresses, Phone Number and Former employers '' on my credit report. I have listed below. Also I have attached the letter I sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: eToro USA LLC
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
eToro is a cryptocurrency exchange. I have holdings of XRP. There is a pending investigation with the SEC and XXXX hence, eToro notified all holders of XRP to transfer to a wallet or sell all positions by the XXXX of XXXX, 2021 or risk losing all holdings. I attempted to transfer to the eToro Wallet exactly as they instructed and it said the " request could not be executed. '' I have submitted three separate complaints all which have not been responded to. Their website also says to utilize their 24/7 chat services. Every single day the website states the " chat services are not available ''. 
Today the XXXX of XXXX, 2021, I received an email from eToro stating my XRP position was closed for a tremendous loss of currency. I did not initiate nor authorize any such transaction. The email stated that if any error is found, I may call their number. Called their number and " your call can not be completed as dialed. Please check your number and dial again. '' The number is XXXX eToro. I will add supporting documentation. I have records and receipts and printed documented proof of all material.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX XXXX 
XXXX I made a payment in the amount of XXXX from my checking account. On XXXX the payment was posted and processed, with the funds taken from my checking account. On XXXX I reviewed my account balance online and discovered that Capitol One reversed the payment and charged me additional interest and charges.My checking account was charged, and I was not allowed access to the funds for credit purchases. As a result, I am now showing my account is past due in the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I had earlier filed a complaint regarding Barclays Bank Delaware not reporting my correct SSN hence hindering my finances and just now I got the attached letter from my Realtor stating I'm going to be responsible for an extension to close on my home. 

Please Barclays bank Delaware should do the needful by updating my account correctly to reflect my SSN in order for me not to loose this much money before XX/XX/2022. 

Please see the attached.

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 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the 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 non-monetary relief
Consumer complaint received 2017-08-31
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently pulled a copy of my credit report and noticed this medical collection from kci so I send them a letter XXXX XXXX,2017 with certified number XXXX for account number XXXX. Requesting validation of this alleged debt they claim i owe them. I have requested that they prove that i am indeed the party they are asking to pay this debt the date of the alleged medical service the name of the patient and proof there is some contractual obligation binding on me to pay this debt. They have refused to provide copies of any agreement I have with them that grants authority to collect on this alleged debt or proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY Provisions AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation