BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name, account number, address, SSN, etc have been leaked as part of the Equifax data hack. The hack allegedly occurred in XXXX XXXX, while the information to the public was released in XXXX XXXX. I 'm very concerned that this information can be ( and might have been already ) used for identity theft, credit lines, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions 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:
Ive submitted mutilple disputes to block and remove accounts on my credit file that I know that all fraud. Experian has to investigate each account and make sure there 100 % accurate and reporting the same on all three consumer reporting agencies XXXX and XXXX. I demand you block and remove the accounts pursuant to 15 USC 1681c-2 of the Fair Credit Reporting Act. An you should be reporting 100 % accurate according to congress and the Fair Credit Reporting Act if not you will be held civil liable for all damages you have cost me as a consumer because I cant get approve for credit. Pursuant to 15 USC 1681 ( a ) ( 1 ) the bank system is dependent upon you Experian reporting 100 % accurate and fair. I demand that your reinvestigate and block these entries now and be removed within 4 business days.

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 2017-09-13
Company: Convergent Resources, Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from XXXX XXXX, dated XXXX/XXXX/XXXX. It was a settlement offer stating I had a balance of XXXX due. However, they would accept 45 %, or {$230.00}. 

The letter advised I had 60 days to accept the offer. 

On XXXX XXXX, XXXX, I received notice from the credit bureaus that the collection account had been added to my credit report. 

On XXXX XXXX, XXXX at XXXX, I called Convergent Outsourcing and spoke to a gentleman named XXXX XXXX XXXX I explained the situation, asked him to removed the collection account from my credit reports as the settlement letter has not expired and he refused, asking me to state which law says he must do so.

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 2017-09-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax, in XXXX through XXXX of 2017, breached all of my credit report information to hackers. I am XXXX years old and this will have an impact for the rest of my life. My SSN will NEVER change, my name will NEVER changed. My address may change but that wo n't be hard to find. I 'm going to have to live with this and the potential problems for eternity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have been seeing unknown charges on my account from XXXX. I reached out to XXXX on XX/XX/19 for resolution and they informed me that because of the merchant and type of transactions that they can not offer a refund. I tried reaching out to the merchant, XXXX XXXX, on XX/XX/19 as well, but I have yet to receive a response from them still to this day. I then reached out to Cash App on XX/XX/19, which is my debit card holder. Cash app canceled my card and mailed me a new card. They told me I would here back from them within 10 days. They responded to me on XX/XX/19 and told me that my dispute was declined by their disputes team and for me to contact the merchants. I asked for them to provide me with proof that they tried to reach out to the merchants on my behalf since I had already explained that I tried that first. I was told that they did not try. I dont understand what I am left to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern : On XX/XX/XXXX, I took out a Mortgage in the amount of {$240000.00} with XXXX XXXX XXXX XXXX XXXX. 

Thereafter, I fell behind on my Mortgage payments, and I signed a Loan Modification agreement on XX/XX/XXXX with XXXX XXXX XXXX ( by Loancare LLC, as Agent under Limited POA ). The terms of the loan modification agreement were as follows : Unpaid principal balance to XXXX : {$170000.00} Unpaid principal balance to HUD ( serviced by ISN ) : {$71000.00} Presently, I am closing on my home, and XXXX, through their Attorney, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, has sent me a payoff with what appears to be an incorrect unpaid principal balance to XXXX. 

XXXX is now claiming that my unpaid principal balance is : {$230000.00} I believe that this amount is incorrect, because the payoff to HUD ( serviced by ISN ), states that I still owe HUD {$71000.00}. I have alerted both the Lender ; and the Title Company handling my closing has notified their Attorney of this issue. Unfortunately, to date, neither has corrected the issue ; or provided supporting documentation to account for the additional {$64000.00} that XXXX is claiming they are owed.

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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 am very angry with the credit bureaus. I have sent them many letters and they do not give me an answer. I feel like they don't take my case seriously.

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 2022-06-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # 's XXXX ( XXXX XXXX XXXXXXXX ) ... XXXX ( XXXX XXXX XXXX  ) ... XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX OF XXXX ) .... has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
CONTINUATION TO CFPB CASE # XXXX it's now exactly 90 days, and my personal capital one credit card is still not reporting to XXXX and XXXX, I will attach your original response and you promised that you investigated and " IT IS REPORTING '' WHEN IN FACT IT DOESN'T. 

Then you said, I should give it up to a maximum of 90 days, and it will report. 

Dear Capital One, please understand, one of the reasons I'm being denied credit, or only getting approved for low limits is because this account is not reporting!! 


Please stop with the stories and have this reported. 

BE HAPPY I DIDN'T REPORT TO THE CFPB THE FACT THAT YOU CLOSED MY SPARK BUSINESS CHECKING & SAVINGS ACCOUNT BASED ON A FALSE ACCUSATION THAT THE SAME IP address WAS USED FOR AN ACCOUNT WHICH IS COMPLETELY NOT ASSOCIATED WITH ME, BUT THAT ACCOUNT I GUESS HAD A PROBLEM AND THEREFORE YOU SHUT ME DOWN! 

I understand and respect that capital one has the most beautiful terms and conditions which has ever loophole to violate every consumer law. And I have to give credit to capital one for the fact that their TERMS & CONDITIONS is a XXXX XXXX XXXX best seller for already 5 yeas!! 

However, even with the most beautiful booklet called " terms and conditions ( to let us do whatever we want ) '' I read it again and it doesn't say anywhere you can close accounts based on false accusations. 

But I just let it go and accepted the damage and didn't even bother calling to re-open it, as I knew with certainty there's no-one with a heart that will care no matter what, in fact they'll just have pleasure from it. 


back to the point please report my credit card to the 3 credit bureaus XXXX, XXXX, XXXX I will attach the most recent statement of the credit card which is not reporting so you'll know which was needs to be fixed and report to XXXX, XXXX & XXXX. 


Otherwise, I want to thank you every minute of the day for everything you have given me ( and taken away ) but lets focus on the good, and I am so so so so so proud that I'm a valuable customer from the biggest bank in the world " Capital One ''. 
It really means a lot to me, and again I really appreciate everything!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C.1681 section 602 A. States I have the right to privacy. 

15 U.S.C.1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Navient Solutions, LLC.
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 recently pulled my reports and noticed you are reporting the numerous account numbers and various open dates for this account ( Navient - XXXX and XXXX ). Because the accounts being reported by your company, XXXX, XXXX and XXXX are different, this means the account has not been properly verified. Please delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAVE SUBMITTED DISPUTES TO XXXX AND XXXX ON LINE THAT THERE IS ERRORS REGARDING MY NAME AND ADDRESSES. THE INFORMATION HAVE NOT BEEN REMOVED FROM MY CREDIT FILES. 

WRONG NAME - XXXX XXXX CORRECT NAME - XXXX XXXX WRONG ADDRESS - XXXX XXXX XXXX, XXXX, TN XXXX WRONG ADDRESS - XXXX XXXX XXXX, XXXX XXXX, MS XXXX MAILING ADDRESS - XXXX XXXX XXXX XXXX, XXXX XXXX, MS XXXX PHYSICAL ADDRESS - XXXX XXXX XXXX, XXXX XXXX, MS 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 2022-06-14
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit reporting act XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C.1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-14
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RESURGENT CAPITAL SERVICES, IS ATTEMPTING TO COLLECT ON A DEBT THAT THEY CLAIM IS MINE, BUT IT IS NOT REFERENCE # XXXX. ITS BEEN PASSED AROUND TO THEM FROM ANOTHER COLLECTOR, LVNV FUNDING WHICH IS STILL NOT THE SUPPOSED ORIGINAL CREDITOR. SUPPOSEDLY ORIGINALLY BELONGING TO XXXX  XXXX. I AM DEMANDING A VALIDATION OF THIS DEBT THAT THEY CLAIM I OWE, IN WRITING AND IN A TIMELY MANNER ACCORDING TO THE FAIR CREDIT REPORTING ACT. IM ON SSDI, SO MY INCOME IS FEDERALLY PROTECTED FROM SCAMMERS LIKE THIS. I DONT EVEN KNOW WHEN THAT WAS, BUT IM SURE THEYLL TRY REAGING THAT FRAUDUALANT ACCOUNT, I HAVENT APPLIED FOR ANYTHING IN YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Global Financial Services Group
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received A letter on XX/XX/XXXXdated XX/XX/XXXXfrom XXXX XXXX at a company called XXXX XXXX XXXX XXXX XXXXXXXX, a Subsidiary of Global Financial Services Group , Inc. the letter was addressed to my birth name, which I had legally changed in 2018. The letter claimed that XXXX was a collection agency for my creditors identified below. I had failed to pay {$970.00}, which had resulted in my account being sent to collections. The credit tours were health care providers located within the network of providers in my local Hospital System, which I did regularly see between XXXX. However, I was on a long-term payment plan set up with this Hospital Systems billing department. I called the billing to be sure everything was okay. The representative from my Hospital Systems billing department, where the overdue amounts listed were taken from, said that my account was up-to-date, I had not been sent to collections, and they did not know of any company called XXXX. Moreover, they did not know where this {$970.00} amount came from. I made sure to ask that I didn't owe such-and-such amounts listed. It was confirmed, the letter wasn't real. As I looked at the amounts and dates provided by XXXX I realized some of the procedures were over a year old and had already been paid for, and certain ones had to be paid for up front like with XXXX or XXXX XXXX. I did a little research on the company and realized this wasnt the first time theyd tried to collect on a nonexistent or already paid medical debt. I was phoned by a XXXX representative on XX/XX/2018 at XXXX XXXX asking for my former name. I replied that she was speaking with the person of my legal name but refused to give any personal information once she revealed she was with XXXX. When I told the representative Id contacted my healthcare providers that theyd listed in the letter -- who had no idea what this company was or where this debt came from -- she kept insisting she could give me more information if I confirmed my identity. I told her XXXX would be getting a legal letter explaining how they could prove, without question, I owed a debt to them. The burden of proof wasn't with me. I didn't have to prove who I was since I'd confirmed her company wasn't affiliated with my health care 's billing system. Once I mentioned legality and government reporting, she said : Okay, Miss, Ive updated your account, goodbye. And hung up. Im sending them a certified letterbased on a template borrowed from the Consumer Financial Protection Bureauand shall be reporting them not only to the FTC, but my Attorney Generals office, as they are located within my state. Here is the companys local address and website : XXXX XXXX XXXX XXXXXXXX Dispute Resolution Department XXXX XXXX  XXXX XXXX, SC XXXX https : //www.globalfinancialservice.net/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, {$18000.00} was wire transferred out of our company Trust account to an unknown company. No body has access to this account as no withdrawals are made. No one authorized this and we called Capital One bank immediately. They gave us a case number and said they would call back but they could not stop the wire. We called back since no one called us back and they said that it had to be sent to Fraud and they would call us back. No one called back and we received a letter stating that they were doing nothing and the case was closed because we had to call the fraud department within 24 hours of the fraudulent transfer. We called them and said we got a case number and no one sent us to the fraud department but were told to wait for a call back with a status. As of today we have zero resolution and have no idea where our XXXX is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to place a credit freeze on my account with TransUnion. They say I already have an account and when I try to access my account they say I am not answering the questions correctly. I call the number they gave and sat on hold for XXXX minutes, then when someone finally answered, we had a bad connection and they hung up on me. How am I supposed to put a freeze on my account?

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 2023-01-07
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$560.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00XXXX XXXX XXXX Balance : {$560.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am applying for a cash back business credit card with XXXX. I had a block on my credit & XXXX could not execute issuing a card to me. When I contacted TransUnion to lift the block, they sent a report to me. The only Adverse Account on the report was XXXX reported a balance of {$78.00} In Collection, updated XXXX/XXXX/XXXX. I called XXXX. The Billing Dept had no record of this. How do I get this removed from my report? I have not ever received notification from XXXX of this issue.

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 2021-04-19
Company: LoanFlight Lending, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan Flight Lending, Inc. Filed and complied with NUMEROUS paper requests. As loan got close to loan lock date loan application was just dropped by company with no follow up. Follow up through out process was extremely poor.

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