BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-29
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:
A prepaid card was opened in my name, and my identity was stolen, XXXX XXXX open a prepaid credit card account when I was in prison, I DID NOT OPEN THIS CARD ACCOUNT. I had a active credit freeze in place at time this account was opened in my name. I have filed a police report and filed Numerus disputes with experian, with no results. XXXX has removed this item from my report. XXXX Equafax & XXXX XXXX HAS REFUSED TO REMOVE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern : A certified mail debt validation letter for was delivered to MIDLAND FUNDING on XX/XX/21 ( see attachments ), mailed copies of my letter to all three bureaus once I knew they delivered. MIDLAND never responded, no other detail verifying the debt. They continue to contact me and send me statements ignoring my concerns. XXXX investigated the debt to be inaccurate and deleted MIDLAND FUNDING. XXXX and XXXX updated my credit report leaving behind a total amount as the monthly amount owed. How is that possible? I have not seen or received any validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: Mr. Cooper Group Inc.
State: RI
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:
Nationstar has lied to the CFPB and XXXX credit rating agencies about the status of my account. Nationstar states that my account was late. On two occasions Nationstar incorrectly handled my homeowner 's insurance policy resulting in errors in calculating my escrow account which resulted in changes to my mortgage payment amounts. Given that I automatically pay my mortgage through my checking account Nationstar 's mortgage payments are paid in time. 

However, Nationstar has created a statement that was never sent to me that states they notified me of the error in their account. On the first occasion in XXXX  Nationstar paid from escrow a duplicate payment for one home hazard policy. This occurred again in XXXX after repeated calls and notifications from me that I had paid the insurance policy in full directly with the insurance company. 

CFPB nor Experian have adequately investigated the fraud and lies at Nationstar. I am enclosing additional documentation from my account that shows the duplicate payments and if CFPB would like to see the malfeasance at Nationstar I would suggest a more comprehensive investigation into how Nationstar is using inaccurate escrow calculations and false statements to steal money from homeowners and lock homeowners into high fee mortgages through fake credit reporting in collaboration with XXXX and potentially other credit rating agencies for a fee. 

This is abhorrent in intolerable and should not be allowed by CFPB to continue. Now that we are in a pandemic crisis a financial disaster will be exploited by firms like Nationstar and XXXX. XXXX   and Nationstar will contribute to the longest financial failure in this country as the true business practices are uncovered in this pandemic crisis and CFPB has a role to play to address and uncover the fraudulent business practices of these two firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-12
Company: Experian Information Solutions Inc.
State: NY
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:
Please review my attachments, this is not a 3rd party. 

XXXX XXXX XXXX  is reporting inaccurate information and in violation of several laws under the FCRA.

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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U. S. C 1681 Section 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 non-monetary relief
Consumer complaint received 2019-12-03
Company: CARDPLATFORMS LLC
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Received a {$150.00} promotional gift card due to a prior purchase. Attempted to use the card on-line and it got declined. Went to website listed on back of card https : //therewardcardstore.com to see account balance, states " There was an error, please try again ''. Looked up other phone numbers for the banks listed on the website to see status of card, goes to a non working phone number XXXX. Called the # on the back of the card XXXX and always goes to an automated recording. States call during business hours XXXX-XXXX M-F EST, even doing so, never goes to a live person ( have tried on multiple days ). 

Called the bank directly listed on the back of the card, XXXX XXXX, they state they only distribute the plastic and don't have access to the account or its funds. XXXX Please help

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: EQUIFAX, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There was an account that was opened on XX/XX/2019 with XXXX XXXX for the total balance of {$3400.00}. This is a fraudulent account from the results of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: NY
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 Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXXn XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U. S. C 1681 Section 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2019 XXXX sent me a copy of an updated credit report. File Number XXXX. Many accounts were deleted from my credit file, and one of those accounts was ENCHANCED RECOVERY Acct. # XXXX. Approximately 2 weeks ago I was trying to get my house refinanced. I was told that there was derogatory mark on my XXXX Credit Report. I thought to myself, that's impossible. The same account that was deleted by XXXX, reappeared back onto my credit report. According to the FCRA this bureau is in VIOLATION for reinserting a deleted account back on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have had a Home equity loan from XXXX XXXX since XXXX ( interest only payments until XXXX ). In XXXX it converted to interest and principal payments ( the monthly payment nearly doubled ).
As I was now retired on a fixed income at that time, the new higher payments were a struggle to make. I applied to XXXX for a loan modification. This process was to say the least, agonizingly slow and laborious. However, after many months the modification was approved and my new monthly payment was reduced by half making it very affordable and putting my mind at ease. <P/>But here 's the problem. From XXXX of XXXX to XXXX. of XXXX the payments were getting ahead of me. I started to fall behind while waiting for the modification from XXXX to come through. When I could I would go to the local branch of XXXX and make payments of {$1000.00} dollars. In one of many phone conversations with the modification officer working my case, I mentioned making these payments. He said I did n't have to do that. He stated that any unpaid balance would be assimilated in to the modified loan. So I stopped making those payments. <P/>The modification was approved and I entered the 3 month trial payment period. Having made those trial payments on time, the final new modified loan was approved. And in deed, the previous balance was assimilated in to the new loan and the account show current. <P/>Now, here 's the rub. It seems that during the 3 month XXXX XXXX, XXXX and XXXX of XXXX XXXX trial period those payments did not go directly towards the loan balance. I 'm assuming they went in to some kind of holding account until the trial period was over. And, indeed that is what happened. But meanwhile the bank reported that not only were there late payments from XXXX XXXX to XXXX XXXX but they also reported as late, the trial period payments XXXX XXXX, XXXX and XXXX XXXX XXXX even though they were made on time. <P/>My credit rating has since gone downhill now. I have written to XXXX and even contacted the local XXXX branch manger to try and correct this problem. According to the Credit bureaus I 've contacted, this type of dispute has to be corrected by the bank. The bank has replied basically saying " Tough luck '' I 'm a XXXX year old retired Veteran. I may not have 7 years to wait for the credit report to " self '' clean the information. <P/>I 'm at a loss as to how and try to fix this problem. I WAS TOLD by the bank that I did n't have to make those payments and then they XXXX me ( and I 'm guessing a lot of others too ) by giving me a bad credit rating with no effort to fix it. <P/>I 'm at a loss!

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 2020-04-05
Company: Navient Solutions, LLC.
State: MI
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:
In regard to NAVIENT and XXXX, I had sent a " Goodwill '' request to Navient, asking them to fix the errors ( not delete them ) before disputing the reporting errors with XXXX. The letter Sally Mae and Navient sent back in response was that they are 'accurately reporting and can not change the rating status '. XXXX XXXX  response was that they 'Updated the Rating on the Accounts ' ( see attached documents ) I will, again after submitting this complaint, write to both entities, again, to inform them that they are STILL and willfully and incorrectly, against the laws of the FCRA and FDCPA, reporting my account as accurate and complete. Not only is there an immediate jump to 90 days late, there is another immediate jump to 120 days late following years of on-time payments. FOR ALL 12 ACCOUNTS. 

I have run out of means of assistance, except the CFPB. Please help me fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Capitol One Secured Master Card on XX/XX/2021 and XX/XX/2021. I received a response back from Capitol one that my application ( s ) had been approved. The email stated that I needed to pay only XXXX by XX/XX/2021 in order to receive my credit card. So, on XX/XX/2021 I reapplied for a Capitol One Secured Master Card again to see if I still was approved, only to get a response back that I was now no longer approved. I then called the Capitol One Customer service line on XX/XX/2021 to find out why I was no longer approved they said, that I would receive a letter in about ten days explaining why I was no longer approved. What I don't understand is how can I go from being approved on XX/XX/2021 and XX/XX/2021 to not being approved on XX/XX/2021 from XX/XX/2021 to XX/XX/2021 is only nine business days and from XX/XX/2021 to XX/XX/2021 that's only one month and twenty six days later. There was only one change to my XXXX Report because I applied for a Capitol One Card so, my score went down 3 points which should not have affected my score because I had checked prior to make sure that I would be approved be for applying for a card. It was the same situation with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: CITIBANK, N.A.
State: MI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been a Citi credit card member for many years. They have a process to submit disputes online by clicking on the charge and then clicking on dispute claim. I have done in this in the past with no problems. However, this feature has been disable recently by Citi. When I contacted customer service to submit a dispute they told me I had to do it online by 1 ) clicking on the charge and then 2 ) clicking on dispute charge. Again, this feature has been disabled by Citi. I told Citi through chat on XX/XX/XXXX I wanted to dispute a charge from XX/XX/XXXX, they said they would initiate the process and I would be called. I have not received a phone call and the charge has not been reversed. The dispute process was never started by Citi and I am currently liable for the full charge. I have contacted the merchant and they assured me that the charges would stop and I would received a refund. I never have received anything.

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 2015-07-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had an account with XXXX like five years ago, I actually did nothing wrong whatsoever and of course there was no abuse I never abused any checking account with any institution and of course not with an account i had open maybe like three months. 

I had someone working for me in the an other state I was trying to sent her via ACH like XXXX since this was a fairly new account instead of adding i was debiting her account which i adjusted immediately when I was made aware of the error at that point someone of the bank called me and was trying to scare me of and all that he was threatening me with all he could. to make a long story short they reported me to the Chex systems so I cant open a new account now cause of this issue please help me to get my records straight. 
Thank you in advanceXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My case # XXXX would like an update from Wells Fargo Home Mortgage as to the progress of a solution. 
I only receive letters that state we ( WFHM ) are working on a solution. 
Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-17
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Advertising and marketing

Complaint:
Misrepresented time to repay the loan and when interest would start. Took advantage of an elderly person with poor eye sight and poor hearing. Charged 26.9 % interest.

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 monetary relief
Consumer complaint received 2015-10-08
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am having trouble with XXXX XXXX and how they reported to the credit bureaus from XXXX. We had an agreement with XXXX to make fixed monthly payment on one of my accounts. I followed the agreed terms faithfully and made on time monthly payments. They however reported to the Credit bureaus that I was over 120 days late for the period in question. Attempts to speak with someone at XXXX have been futile with every rep saying that the time frame in question is too far back and they can not verify this information. The information they sent to the bureaus is wrong and they refuse to correct it. This has greatly hampered my ability to get favorable terms when I apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: T.S. Holdings
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
IQ Data got my debt back in XX/XX/XXXX when the pandemic started. I set up a payment plan for {$200.00} a month we were to continue that then about XXXX they stoped taking it. The called me a couple months later to collect the remaining valence and I told XXXX XXXX the guy handling my debt he cursed and yelled at me when I told him I could not do the full but could continue the payment plan he cursed and yelled at me more and hung up. I couldnt contact them because I didnt get a letter with their info and they call me from a face number. Now today XX/XX/XXXX he got mad and yelled and cursed that I had to go get a loan to pay off the remaining balance I told him no and he continue to get mad and I got mad and started yelling and cursed back at him because he was trying to use scare tactics and strong hand me into doing something that would put me in more debt to pay this debt. I got to a supervisor named XXXX and he started to do the same thing and wouldnt work with me to make more payments or anything. He then told me he was done talking and hes putting in his. Notes that I am unwilling to pay and putting the debt into default and no long be able to take the debt off the record once it gets paid in full.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation