BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-05
Company: EQUIFAX, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
I tried to apply for a mortgage. But the mortgage officer told me that they were n't able to pull my credit report from Equifax. I, then, proceed to contact Equifax, they were not able to find my credit report with my name, social security number, date of birth. Later I found out that my credit report got mixed up with my brother 's credit report. They ask for my ID and SS card to verify my identity. I promptly send them my ID an d my SS card. Yet, I called again after a week, they still have not able to confirm my identity, despite that they claim they will get back to me within 48 hours. This was an urgent request to them because my mortgage officer needs to pull my credit report by XX/XX/XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX Has a accounts on my credit report that should not be there. 


Account Number XXXX Account Type Installment Loan Terms 120 Months Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a collection account, insurance claim or government claim or was terminated for default Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - XXXX XXXX - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount {$3500.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-07-16
Company: BARCLAYS BANK DELAWARE
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On an XXXX XXXX flight in XX/XX/2022, the flight attendant gave out information about a Barclays XXXX Credit Card with a XXXX XXXX bonus introductory offer if a purchase was made with the card. I opened the account and made the first purchase on XX/XX/2022. My account shows that I made the purchase and qualify for the XXXX bonus miles that would be credited into my account within 4-6 weeks. The time passed and the miles were not credited. Early XXXX I contacted Barclays and was told to wait until the next billing cycle. On XX/XX/XXXX, after my second contact they opened a case to look into the issue. I have spoken on the phone to customer support multiple times, I have been in email communication and even over XXXX XXXX with Barclays who keeps telling me to be patient and that in the next billing cycle I should be credited the rewards. I was using the card regularly with on time payments every month. It has been 5 months and 5 billing cycles and the XXXX miles have not been credited. I believe this is a bait and switch. They enticed me to open the card. I have used the card spending at least {$20.00} XXXX in the last 5 months and while the monthly miles have credited to my account, the XXXX k miles introductory offer has not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-25
Company: Selene Finance LP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I found out recently my loan was behind and I had a new Mortgage company Selene Finance ( They had acquired the loan from XXXX ) Last week of XXXX. I was informed loan payment had not been received in over 12 months I have proof this is wrong that at least 4 payments were made and the rest was an accounting error by my accountant. I called and spoke to XXXX XXXX told me amount behind was XXXX. They would not take a good faith payment from me as the loan was in foreclosure but would have a reinstatement quote ready for me by the XXXX at XXXX XXXX. I called at XXXX XXXX they did not have it I called back every day several time a day. ON the XX/XX/XXXX XXXX said they could not give me information, XXXX told me it would be another day I had to beg to get the amount owed I was seriously getting the run around till a lady ( an XXXX ) name XXXX was able to give the amount and where to send it to. By this time the amount past due was XXXX before the lawyer fees .The total now XXXX. I wire transfected this amount to XXXXXXXX XXXX the next day XXXX XXXX XXXX XXXX XXXX New York Acc XXXX. 
XXXX claims they do not have the money. The money left my account and went into account provided by Selene finance I called Thursday and Friday and they still could not locate it .I sent the copy of wire transfer to XXXX She is the ONLY person who has responded. Today the XXXX i received letters fro the title company that the loan was still behind and could be sold at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Ditech has allowed the title on XXXX XXXX XXXX # XXXX XXXX NY XXXX to persist as clouded, with an outstanding incorrect lien of $ XXXX which needs to be removed so we can sell our home which sale was supposed to close two months ago. Ditech has a fiduciary duty to service the mortgage and clean the title.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXXXXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-01-14
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to your company Breaking laws under the FCRA. I cant Obtain credit or a job

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After reviewing my credit reports from all three credit bureaus, XXXX, XXXX, and XXXX ... This collection account from AMERICOLLECT for the balance of {$450.00} was placed on my credit reports, and is reported twice on each of my credit reports without my authorization. I requested through certified mail to AMERICOLLECT copies of documentation that were used to verify the accuracy of these accounts. Under the Fair Credit Reporting Act 15 U.S.C. I have all the rights for this agency to disclose to me all the documentation that was recorded and retained in the files. I have not received no answer or anything in writing. I have been receiving harassing phone calls daily threatening to damage my reputation and credit worthiness, with these unverified accounts and distributing them to 3rd parties. These inquires add a hardship, and violates my legal rights and protections. Please help assist me with allowing this collection agency to stop victimizing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX I submitted a request to have my address and name updated. I also sent a copy of my identification and social security card enclosed with the letter. Instead of updating my file to the correct spelling of my name and deleting the ones they have, and updating my address to current. They sent me a letter that I have enclosed. I sent my letter asking them to update my information. And they sent a stall letter. I did not hire a credit repair company or any other third party company to reach out to them. I did this myself. I expect this issue to be resolved immediately.

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 2020-08-29
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : Enhanced Recovery Company is reporting an " alleged account '' with a balance of {$170.00}. 

This account was never validated and is in violation of the FDCPA and of my Constitutional Rights. Please delete asap. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Consumer Adj Co has continued to report an alleged collection account to the credit reporting agencies ( XXXX, XXXX, XXXX ) without a DOFD ( Date of First Delinquency ). I disputed the validity of the debt and the lack of a DOFD several times ( XX/XX/22 XX/XX/22 ), but XXXX continues to claim the validity of the debt without providing the DOFD. This give the erroneous impression that I have recently and knowingly defaulted on a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 filed a dispute with my credit card company in the amount of XXXX from XXXX XXXX because XXXX XXXX  sent me and incorrect order I had ordered two sleep shirts a XXXX XXXX and a XXXX sleep shirt how ever I only received a XXXX sleep shirt and the other item I received was incorrect and was a sweater not a sleep shirt so I returned the incorrect item back to XXXX XXXX they were supposed to refund me the money for the XXXX XXXX sleep shirt I never received and also give me and additional XXXX for the return shipping label since they said they were sorry for sending me the incorrect item so on XX/XX/XXXX capital one sent me a temporary credit and as of XX/XX/XXXX capital one rebilled me the XXXX which is wrong because I sent the item back to the merchant and also the merchant never refunded me back for the returned incorrect item the merchant even sent me a letter via mail saying I owe them the XXXX that I disputed with my credit card company so the merchant in reality got there merchandise back plus got to keep the XXXX since the credit card company rebilled me and I got nothing out of it I have a tracking number to prove that the item was sent back to them I've attached a letter from the merchant aswell as a tracking number

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 tried multiple times to resolve errors in reporting. XXXX XXXX has reported me 30+ days late 13 or more times on each of the 3 Credit bureaus. After my last request I have found dates that have been reported incorrectly XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are all reporting 30days Late. After reviewing payment history with XXXX XXXX I have disagreed with their findings and have requested with support documentation that XXXX, XXXX and TransUnion correct my pay history to match the accurate information provided. 

I have tried on 3 different occasions to resolve this matter with XXXX, XXXX, TransUnion and XXXX XXXX my last request was mailed 45+ days ago

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 2017-09-05
Company: Experian Information Solutions Inc.
State: IL
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:
Dispute and request for debt validation was requested to Experian on XX/XX/XXXX for the following : XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX On XX/XX/XXXX- I called Experian to get the results and spoke to XXXX XXXX XXXX XXXX. XXXX informed me that Experian does not request validation of an account. He also stated that the accounts mentioned above would remain on my credit report. This practice is illegal, as the bureau is obligated to confirm/validate accounts upon my formal request. Also, they did NOT do a formal investigation. 

I filed a complaint with BBB ( attached ) as validation was never received, for neither account, nor are either of the creditors licensed to collect in the state of Illinois ( attached ). 
XXXX XXXX agreed to remove the collection ( 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 non-monetary relief
Consumer complaint received 2022-07-16
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: Reporting company used your report improperly

Complaint:
I did not give them oral or written permission to furnish this information on my credit report. This has caused undue stress for me and my children with trying to purchase a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original Company : XXXX XXXX. 
The latest collection agency, which contacted us by email, instead of USPS, which we have requested numerous times be the only form of contact, is LVNV funding LLC. 

We cancelled our satellite and they refused to come get the dish. We could not remove it because my husband is XXXX. There was nothing in the contract that said when we terminated our subscription we had to go on the roof and remove the dish. 

They threatened to turn us into collections. We sent them a certified letter on XXXX/XXXX/16, which we have a copy of, asking for documents that we signed that said we were responsible for climbing onto the roof and retrieving the dish. To date, no one has ever provided this documentation. 

We have now been contacted by several debt collectors asking for money. Each time we respond in the appropriate amount of time, again, asking for documentation on the debt. We have never been sent any proof of debt. 

This harassment has been going on for years and each time we ask for proof they send our account to a different collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a XXXX XXXX ES XXXX through XXXX XXXX in XXXX, VA in XXXX XXXX. In XXXX XXXX, my sales rep, XXXX, called me and asked me if I would like to turn my vehicle in early ( lease was up in XXXX XXXX for a new vehicle and told me that it would really help him out if I did. I told him that I would only do it under XXXX condition though and that was that they take care of my excess mileage that I had on the vehicle. He assured me that they would take care of it and that I would not be charged for it and kind of acted like that was what they did when you turned in your vehicle and leased a new XXXX. I did decide to go forward with the deal and lease a XXXX XXXX IS XXXX at the end of XXXX XXXX. Shortly after I received a letter in the mail saying that I owe {$1300.00} for excess mileage and I ignored it because I thought it was sent in error since my sales rep said the mileage would be taken care of by the dealership. I called XXXX XXXX multiple times for other issues and never once did they mention that I owed anything else related to the vehicle until this past summer when some lady said oh hey by the way, did you know that you owe for excess mileage on your old vehicle and obviously my response was, of course not! Immediately after she told me, I called my sales rep and he informed me that he no longer works for XXXX and to call XXXX. I left a message for XXXX at XXXX and he never returned my call. Then I called XXXX again because I needed my title number and told the gentleman ( ca n't recall his name right now ) that I tried to reach XXXX regarding this issue and that he never called me back. He said he would deliver the message and I told him to make sure that XXXX calls me after I return from XXXX in XXXX weeks. I never received a call back. Then I called XXXX XXXX, the XXXX XXXX XXXX, XXXX weeks ago and he said that when he pulled up the contract he saw nothing about the dealership taking care of the mileage. I explained to him that this is clearly a mistake and that I would n't be calling him a year later about it if it was n't because I would have already paid it. He said he would call XXXX and call me back but he never called me back. I just received a letter in the mail that my account has been sent to collections. I have tried to resolve this and no one is helping me ( clearly ) so I have resulted to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SOMEONE USED MY IDENTITY TO OPEN ( XXXX XXXX AND A XXXX BUSINESS CARD THAT DOES NOT BELONG TO ME IT COMING UP ON MY CREDIT REPORT AS A CHARGE OFF ACCOUNTS I DO CURRENTLY HAVE 2 OPEN CREDIT CARDS WITH XXXX XXXX THAT DOES BELONG TO ME THAT I AM AWARE OF ( THE CHARGE OFF ACCOUNT FOR XXXX BAL ACCOUNT NUMBER XXXX ) IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT BECAUSE IT WAS OPEN FRAUDULENTLY I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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