BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-22
Company: Experian Information Solutions Inc.
State: LA
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:
Hello there are accounts and inaccuracies on my credit report. I reviewed all 3 reports and when I noticed the issues I reached out to XXXX, Experian, and XXXX. I sent a total of XXXX letters letting them know of my request for correction and deletion. Not only have they not done this they continue to send me a computerized response of validation. I am the sole " person '' that can validate anything on my credit file per 15 USC 1692 ( g ). I am also the one who must give my written consent giving the credit reporting agencies authorization to furnish my credit report in the first place per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. The consumer law violations are overflowing at this moment and this is my last attempt before the courts are involved and my invoice for monetary payment is mailed. I am fully aware that NO court system provides any type of court filing of bankruptcy or record also. Where are you actually getting the record from and what authority do you have to give that information? I haven't even filed BANKRUPTCY but yet there's one on my credit file I have to fight to get off when law says I have the right to get anything off of my report.

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 2017-07-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX we worked with XXXX XXXX XXXX home modification, we were approved in writing and getting ready to make our modified payment and the next week we received a notice saying we were denied, we worked with our loan coordinator to find out why. Our loan coordinator told us to resubmit the modification, in the process of resubmitting our modification we received a notice that our loan was being sold to Carrington home Mortgages as of XX/XX/XXXX and our home is in foreclosure. I called XXXX XXXX  XXXX again this time the loan coordinator we were working with was no longer with the company and we now had a new one, in speaking with her she said " well your loan was sold and we no longer have any information on your loan, you will need to call Carrington home mortgages ''. I called Carrington on XX/XX/XXXX they told me that it is a new loan and they would n't have any information on the loan for up to 60 days. I told them I did n't have 60 day because my house was being foreclosed with a sale date of XX/XX/XXXX, they told me not to worry that, that Carrington owned the loan and that XXXX XXXX XXXX can not sell your home because we now own the loan, she said call back next week and see if we have your information loaded. I called back on XX/XX/XXXX, they still did n't have the loan information loaded they again told me not to worry that there would be a 60 day grace period and no sale should happen. They told me to try again next week to see if the loan information was loaded, I called again on XX/XX/XXXX this time they sent me to the collections department at Carrington, they told me that it was partially loaded but we were in foreclosure and there was nothing we could do or they could do to stop the sale, I said we were told to submit a modification, she told me that it was to late and nothing we could do our house was going to sell at foreclosure. I was told by 4 attorneys that this is how XXXX XXXX XXXX gets by with foreclosing on people they sell the loan right before the sale date when they know that it takes a while for information to be transferred to the new company therefore there is no time left and people are left without a home. All we want to do is pay our mortgage and keep our home we have lived in our home for 11 years, we have a XXXX XXXX child, and this is very traumatic and stressful on all of us. We are looking for any help to save our home before XX/XX/XXXX which is our sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Experian Information Solutions Inc.
State: FL
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: Information is incorrect

Complaint:
I am filing this complaint against Experian because I first Initiated contact with XXXX XXXX via phone asking for my credit statements from the account XXXX. I was told over the phone that I could not request these statements over the phone, so I was instructed to requested the statements by mail. On XX/XX/XXXX of 2021 I sent a letter to XXXX XXXX  request my statements for account XXXX, along with the request for the credit statements inside this letter I also demanded for XXXX XXXX to cease and desist and and all communication with myself the consumer and all consumer reporting agencies. Recently I pulled my consumer reports from Experian to find out that they are still reporting transactions from 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 2022-01-22
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On three separate occasions I have been given a VanillaGift giftcard. It advertises that it acts like a general purpose, but non-reloadable debit card. On all three occasions, the gift card balance had been removed shortly after my family member had purchased the card, but before I had received it, the balance was drained. Customer service is difficult to contact and set the expectation that I would not receive any money back, though they did initiate a 90 day dispute process. 

This pattern leads of drained balances leads me to believe the company may be either pocketing the money itself, or designing their product so poorly that it nearly guarantees theft. 

The three amounts stolen were XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Huntington Bank is normally a tried and true member of our community. I took advantage of their Checking Bonus offer but they failed to credit my account the bonus by XX/XX/22 as promised. My many contacts with their branch representative and national XXXX service phone number has failed to enlist a fix.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-22
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: E*TRADE BANK
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
E-Trade has completely removed access to all of my records for a checking account I closed with them. There are no statements online for the checking account. The only thing accessible is Brokerage account statements for an IRA that I closed with them as well. I need these records for potential upcoming legal matters and request IMMEDIATE ACCESS to all of my checking account statements from E-Trade. I contacted the organization and did a " screen share '' with one of their reps. She was unhelpful and couldn't figure out why the statements were no longer there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: ID Analytics, Inc.
State: OH
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:
XX/XX/2020 This is the 3rd time I have complained about this issue, I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I and filing a complaint with both CFPB AND FTC. 
THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. IT IS WELL BEYONG THE 30-60 DAYS! After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX US BKPT CT OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have SS numbers showing on my file that do not belong to me XXXX, XXXX PLEASE DELETE NOW! My employer is XXXX XXXX  My name is XXXX XXXX XXXX XXXX please delete any and all other variations of my name they are not accurate!! This is my only number XXXX All other telephone numbers are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: CORELOGIC 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:
Someone have been applying for credit in my name at the following places -XXXX XXXX  : XXXX XXXX XXXX -factual Data : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2019-10-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XX/XX/2019 a letter from Nissan Corporation was sent to me for a past due balance of {$820.00}. I called them on XX/XX/2019 and an agent told me to pay {$150.00} to stop repossession, so I did that day. The following week of XX/XX/2019 I made a payment of {$650.00} towards the past due balance. Then another payment of {$420.00}, in which they told me I was caught up on my payments. Then on XX/XX/2019, made a payment of {$400.00} to try to keep my account current. The only payments I've missed were XXXX and XX/XX/2019. And were making partial payments due to employment issues. Now they're saying that I'm {$2000.00} behind once again! I've written to the FTC and to corporate about this problem. Lately they've been threatening to repossess the vehicle and harassing me through email for monies so called owed. All this after I've written a letter to them clearly asking them to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The inaccurate account " XXXX '', account number is XXXX was removed from my credit profile on XX/XX/XXXX and re-inserted on XX/XX/2022. This illegal and against the FCRA guidelines. I will be suing and collecting reparations if " XXXX is not removed from my credit profile. This is an unethical practice. The credit bureau and I both know this is grounds for a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$120.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$120.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not 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 non-monetary relief
Consumer complaint received 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
After spending almost 1/2 hour on Hold, and Speaking with 2 Representatives for Another Half an hour. I desired to speak with a Manager who after Explaining the Dilema, Very Rudely Hung up on me. 
As a Veteran and 1st Time Potential Home Buyer, I've been Shopping around for a Lender for a Potential Home, Beginning around XX/XX/XXXX until XX/XX/XXXX 3 Lenders Pulled My Credit Report, which Dropped my Credit Score OVER 100 points. I was Told by these Lenders that I can have up to 3 Pulls within a 3 week period with No adverse affect on my Credit Report. Another Lender Told me 40 Days. Trans Union Told me that it was within 14 Days. When I Contested the Fact that Not only did the Holidays slow down the Process, but at Least 2 Lenders Pinged my Report within 2 Days. I also Inquired as to Why 3 of my 3 Credit Cards Still Showed an Outstanding Balance, though the Balances had been Paid in Full for the Past Week and a Half to 2 Weeks. I Explained that it should be Obvious that the 3 Mortgage companies should be seen as 1 Ping since I was shopping for the Best Rate, Until I found that My Score had Plummeted Over 100 points in Less than a Month. The Supervisor didn't even Bother to Answer my questions then Rudely Hung up on me. As a Veteran and a Consumer, I think we Deserve Much Better than this from Not only our Credit Reporting Agencies to Keep our Information FAIR, ACCURATE and UPDATED, as a Mortgage Loan is one of the Biggest Debts a Citizen Incurs in his Life, and these things can Cost us Literally Thousands of Dollars. 

The Time Frames in Which these Lenders Viewed/ Pulled My Credit File thus was Not only Inaccurate reflections but should Not have adversely affected my score as at least XXXX were done within the specified time frame, Notwithstanding the Holidays, I think Consideration should have been Given, because of this. 

Nevertheless, My Experience with these Companies have DISGUSTED ME to the Point that I NO LONGER Want to DEAL with them, and have LOST my Very Desire to PARTICIPATE in this System as WELL as pursue my First Home Loan, as It is Not only UNFAIR they are RUDE and NOT ACCURATE. 

I've NEVER Missed a Payment, and Worked HARD for the Past Year to obtain Good Credit with a Score of approximately XXXX Only to see my Score Fall to Back to where it Started XXXX or less in LESS than 3 weeks due to 3 Inquiries? 

SOMETHING Needs to be Done about this, as WITHOUT ACCOUNTABILITY these CROOKED AGENCIES can DO WHAT they Like to ANYONE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TRANSUNION -- -allowing falsified information on my account, and not allowing me access online. First, the falsified account is for {$4000.00} entered by XXXX XXXX and this debt does not exist ; XXXX can not prove or show a contract because there is no contract. I have asked multiple times for this to be deleted and Transunion is not enforcing any honest guidelines for reporting. Second, on Transunion 's online dashboard, I am locked out because my last name changed. I have faxed in my proof of name change and called multiple times. They have changed my name internally so that their phone reps can see the change, but have not changed the website to give me access to the dashboard and be able to see my personal information. Multiple requests and extremely difficult to get Transunion to respond to me as a consumer. 

XXXX XXXX -- - has no contract for this supposed debt. I have been disputing this debt for a long time, and they are repeatedly closing the disputes by simply re-entering the same information. ( Why does the credit bureau allow this? Very corrupt. ) Please DELETE this debt for {$4000.00}, as the entry is false.

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 2022-05-03
Company: Millco Management
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX installed my cable services on XXXX XXXX, 2015. Initially they were suppose to install service on an earlier date, however no one showed up for the installation even though I was expecting someone to arrive. Due to this initial issue, my installation fees were waived and rescheduled for XXXX XXXX, XXXX. After having XXXX service, I was not satisfied so I called to cancel within the 30 day quarentee. When I called on XXXX XXXX, 2015, a XXXX representative told me the system was down and they would make sure it was entered when the system was up and running. XXXX has record of this cancellation call and all of the above information. Someone however did not enter in my call to cancel until after the 30 days and this is where the charges are coming from. I returned all equipment and did everything I was suppose to do, however this is an ongoing issue for 2 years now. I have spoken with numerous representatives that have told me that I do not owe any money. I feel like I am being bullied by this company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I bought a XXXX from a woman in XXXX for XXXX. It was suppose to be shipped to me by XXXX. The carrier has charged me the first time XXXX for insurance then XXXX for air-control crate and then they tried to hit me up for over XXXX and I said no more. I feel this is a scam and they have took everything I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Capital One has three or four hard inquiries on my credit report that shouldnt be on my reports. Ive never applied for a credit card. Im a victim of identity theft and just recently, someone tried to obtain XXXX more cards from XXXX different credit card companies. I would appreciate if Capital One would remove these inquiries immediately. My son has the same name as I do. Im not accusing him of any wrong doing but its something to consider.

Company response to consumer: Closed with explanation