BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-10
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: Account status incorrect

Complaint:
I XXXX XXXX hereby file this complaint against a medical debt collector that is not abiding to the Consumer Financial Protection Bureau mandate and settlement with Experian, XXXX and XXXX XXXX respectively. The attached medical collections were instantly filed by XXXX, XXXX, XXXX XXXX XXXX, a law firm located in the state of New York that specializes in medical debt collections. By this attached mandate, the medical debt collection process is supposed to operate as follows : 1 ) The consumer is to be billed by the medical collector, giving a 30-day time frame to pay the medical invoice directly, or to ensure that his/her medical insurance provider is to satisfy the claim in question. 2 ) If the claim is not satisfied by these criteria, the debt can be assigned to a medical debt collector.
3 ) The medical debt collector must submit a 180-day notice that if the medical debt ( s ) are not satisfied, either through medical insurance or directly from the consumer, then the medical debt collector has the right report any or all collections previously ordered paid. In the events of the aforementioned law center, none of the mentioned methods were used, and my credit was tarnished through the violations against me of the CFPB mandate and settlement with the major credit bureaus, but these collection violations are connected to my rights under the Fair Debt Collection Practices Act. My understanding is that there are currently multiple complaints against the law center of XXXX XXXX XXXX XXXX XXXX for a continuous illegal collection practice ( s ) against consumers without any consideration of the law. An additional complaint will be filed with the state of New York Office of Attorney General through my attorney in due course if the CFPB can not rectify this serious series of violations. My information and all aspects of previous collection postings with all pertinent credit reporting agencies must be purged immediately, and the CFPB must file an additional investigative process with the Federal Trade Commission to sanction the law center of XXXX XXXX XXXX XXXX XXXX along with a permanent injunction against same from this continuous abusive practice.

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 2020-02-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been disputing the public record information listed inaccurately on my credit report since XX/XX/2019. I first asked Equifax for a method of verification pertaining to the public records listed on my credit report and they responded by saying the USBK Court XXXX Mississippi XXXX XXXX XXXX, XXXX, MS XXXX verified the bankruptcy and if I had any questions pertaining to that inaccuracy to contact the court. So I did just that. I contacted the court and received a letter dated XX/XX/2019 and I've included that letter to this complaint stating that they did not report, confirm or validate any bankruptcy information to the credit bureaus. I then made a copy of that letter and sent it to Equifax and asked them to delete the public records from my credit reports because I had proof they DID NOT PROPERLY VERIFY AND THEY LIED ABOUT WHO VERIFIED THE REPORT. They didn't validate through any third party consumer, such as XXXX XXXX because that report is placed under a security freeze and NO ONE has  contacted me seeking my approval for any information placed on my consumer file to revealed. Equifax has failed its consumer YET AGAIN. Not only am I victim of their data breach they are continuously reporting UNVALIDATED, INACCURATE information on my credit report. Please DELETE the information from my credit reports immediately and send me an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, 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:
Hi I am submitting this XXXX 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 XXXX 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 XXXXThis 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-02-28
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$680.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: MD
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
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 status incorrect

Complaint:
I  XXXX   XXXX  hereby file this complaint against a medical debt collector that is not abiding to the Consumer Financial Protection Bureau mandate and settlement with  XXXX ,  XXXX  and  Trans Union  respectively. The attache d medical collections we re instantly filed by  XXXX ,  XXXX ,  XXXX   XXXX   XXXX , a law firm located in the state of New York that specializes in medical debt collections. By this attached mandate, the medical debt collection process is supposed to operate as follows  : 1 ) The consumer is to be billed by the medical collector, giving a 30-day time frame to pay the medic al invoice directly, or to ensure that his/her medical insurance provider is to satisfy the claim in question.     2 ) If the claim is not satisfied by these criteria, the debt can be assigned to a medical debt collector.
3 ) The medical debt collector must submit a 180-day notice that if the medical debt ( s ) are not satisfied, either through medical insurance or directly from the consumer, then the medical debt collector has the right report any or all collections previously ordered paid.     In the events of the aforementioned law center, none of the mentioned methods were used, and my credit was tarnished through the violations against me of the CFPB mandate and settlement with the major credit bureaus, but these collection violations are connected to my rights under the Fair Debt Collection Practices Act. My understanding is that there are currently multiple complaints against the law center of  XXXX   XXXX   XXXX   XXXX   XXXX  for a continuous illegal collection practic e ( s ) ag ainst consumers without any consideration of the law.   An additional complaint will be filed with the state of New York Office of Attorney General through my attorney in due course if the CFPB can not rectify this serious series of violations.   My information and all aspects of previous collection postings with all pertinent credit reporting agencies must be purged immediately, and the CFPB must file an additional investigative process with the Federal Trade Commission to sanction the law center of  XXXX   XXXX   XXXX   XXXX   XXXX  along with a permanent injunction against same from this continuous abusive practice.

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 2017-06-10
Company: Experian Information Solutions 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:
I have disputed with experian a couple of times, I feel like they 're not properly investigating my dispute. And all they 're sending me every 30 days is a credit report no letter about the informations about investigation of the dispute. I have asked for them numerous of times.

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 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, and XXXX XXXX have all applied unauthorized inquiries to my credit 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 explanation
Consumer complaint received 2020-02-28
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We sold & closed on our 2nd home on XX/XX/2020 & have still not had our escrow funds in the amount of {$4100.00} returned to us. The mortgage co. is Mr. Cooper, loan # XXXX ; the location of the property is XXXX XXXX XXXX, XXXX, CO XXXX. I have contacted the mortgage company 5 times : ( 1. ) XX/XX/XXXX : XXXX  told me the 2 checks ( XXXX & XXXX ) were sent on XX/XX/XXXX ; she said it would take 7-10 business days to arrive ; ( 2. ) XX/XX/XXXX : XXXX ( TX ) confirmed the pay. was sent on that date & asked if we would like a reissue but cautioned me that the checks should arrive any day so if there was a reissue the clock would restart & again take another 7-10 business days ; ( 3. ) XXXX : XXXX said the date of, " log in '' of the check wouldn't be the same day of mailing & encouraged us to wait a little longer before doing a reissue ; ( 4. ) XX/XX/XXXX : XXXX ( TX ) apologized profusely & asked me to send a voided check to allow him to wire the funds into our acct. stating the process would take up to 5 business days ; ( 5. ) XX/XX/XXXX : Upon checking my acct. we discovered the larger amount of  {$3700.00} had been deposited on XX/XX/XXXX ( 6 business days after being told " up to 5 ... '' ) ; I talked with XXXX at Mr. Cooper who told me the {$350.00} would be wired to my acct. taking, " ... up to 7 business days. '' which means we've been waiting for 2 mo. for our  escrow refund! 
We have been purchasing real estate for over 26 years & have never dealt with anything like this ; if this company is allowed to cont. these practices they'll be collecting a very large sum of interest on someone else 's $ $!! 
XXXX XXXX XXXX XXXX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: SYNCHRONY FINANCIAL
State: AL
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 have an fraud alert on my account. I didn't authorize any of this.

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 2022-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Someone use my personal information open serval account, after I run my credit report showing there have 4 fraud account one of them is capital one, when I called capital one, they told me the account was open in XXXX on XX/XX/XXXX, I have been living in California since XXXX and never been out of state. 
After I contact capital one and send my ID, bank statement, tax report 1095c, social security copy and police report to prove my living address, but capital one rejects my request to remove the fraud account. Other three fraud account included XXXX, XXXX XXXX, XXXX XXXX ) XXXX they already remove the fraud account. 
Please help me to contact capital one to remove the fraud account and report to three National credit reporting agencies. 
Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28
Company: Advantage Credit, Inc.
State: AL
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:
I wrote an letter months ago about the issue months ago and never heard back from company and they dont have an contact number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Preferred Collection and Management, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called preferred collection and management company to inquire why are they reporting a collection that they never validated. The first rep was rude did not verify my identity proceeded to say the debt is mines and continued to talk over me I ask to speak to the manager who he left me on hold for over 9 mins when she get on the phone she did not verify me and she also stated that they do not have to validate debt and one letter was fine which I told her I never received any letter I ask the manager do you understand that your rep did not verify me before he gave the mini memoranda she told me not to speak to her that way I have the call recorded and they kept being combative would not let me speak to resolve this issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2020-02-29
Company: Rocket Mortgage, LLC
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Quicken Loans offered me a VA loan costing {$15000.00} to refinance my existing conventional loans of {$150000.00}. It was actually a bait and switch technique to get me to take their cheaper loan from another source. It was offered today at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My name is XXXX XXXX and I am the pastor of XXXX XXXX XXXX. We use cash app to process and receive contributions from our members our cash app tag is $ XXXX ( XXXX ) We have over {$2800.00} in our cash app account and unable to retrieve these funds. We have tried contacting cash app but have not received any results. These funds are given from church members. We need these funds to operate our church.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: CAVALRY INVESTMENTS, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CAVALRY PORTFOLIO SERVICES ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$780.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Back in XX/XX/XXXX my wife and I consolidated into one bank account, XXXX. Before we were using XXXX XXXX XXXX. I changed my account information online and spoke with a representative on the phone after the first month did not work correctly. Now for XX/XX/XXXX payment it did the same thing. They have my account information and this will be on them again for this month 's payment. I have had issues with Navient for the past few years and it seems that every other month there is something new that they screw up. They have my account information and should fix this by XX/XX/XXXX payment. The XXXX month they rolled the charges back into the debt so I 'm assuming they will do this again. It is not my responsibility to fix their mistakes and it is their responsibility to collect. I even have email confirmation and online confirmation stating that my payment account has been changed to our new bank.

Company response to consumer: Closed with explanation