BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have contacted the collection agency XXXX XXXX directly, as well as, Equifax, since XX/XX/2019 disputing the error that is being reported in the amount of {$3600.00} and another account for {$4100.00}. This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
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:
XXXX XXXX XXXX XXXX Account Number XXXX account was never late XXXX, XXXX, XXXX or XXXX days or beyond.

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 2022-05-13
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:
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : 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 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 non-monetary relief
Consumer complaint received 2016-07-28
Company: ECMC GROUP, INC.
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Immediately after my XXXX XXXX bankruptcy was dismissed in XXXX 2016, I began receiving phone calls from ECMC about a debt. I had no knowledge of the type of debt until I googled the company and read the reviews. Later that day, I was contacted by a rep from ECMC who proceeded to explain the nature of the debt. We went over some basic information and I realized it was for my student loan which the company says I am in default because of the bankruptcy dismissal. On XXXX XXXX, I gave the rep my communication preferences which included my home number and the immediate removal of the temporary work number that I did not give them ... or give them permission in which to call me. Today alone, I have received 3-5 robo calls from them as transfers to my employer. The calls began in late XXXX and have been continuous since. The live person I spoke with today, threatened me with wage garnishment on my employer line, and said she received no communication to remove the employer number so they have continued to robo call the number.

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 2016-11-16
Company: Commonwealth Financial Systems, Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
in XX/XX/XXXX. 2015, began trying to rebuild my credit. so, I paid off XXXX of the XXXX delinquencies on my credit report. These XXXX delinquencies were medical bills owed to the emergency room at the XXXX hospital XXXX. XXXX for XXXX $ and XXXX for XXXX XXXX the debts were paid to XXXX. on XXXX XXXX, 2015. Since I paid these debts, they have been sold to XXXX different companies and shown back up on my report. I have not been able to raise my credit due to these reoccurring unowed charges. please remove this from my credit and make it impossible for this crooked company to sell the debt to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XXXX XXXX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2022-05-13
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:
The following late payments are billing errors pursuant to 15 USC 1666b

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 2016-04-03
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Issue: Billing statement

Complaint:
Amex has recently created new terminologies, which no one else in the industry uses which is confusing and I claim with the intention of charging extra fees. Details : 1. When automatic payments are setup, it can be usually set up to ( automatically ) deduct a. Minimum payment due ( minimum payment and remaining balance and may incur an interest ) b. Last Statement Balance ( including any credits/refunds after the statement generation ) c. Current balance ( entire balance ) d. A fixed amount 2. When it comes to the due date, there are usually 2 options : a. On due date b. On a fixed date Credit card companies have grudgingly embraced the Automatic payments, with varying degrees of difficulty, Amex being the recent acceptor. However, they are trying to hoodwink consumers by providing a new set of terminologies which no one else in the industry uses such as " New Total Balance '', which they claim is nothing but " Statement balance '' but there is no guarantee as they can always twist their own terminologies. I did speak and chat with them but they would n't change. They also do n't have a " Payment due date '' for automatic payments but will only say Statement Date + 15days ... but what if this date is past the " Payment due date ''? Or what if they just change the terminology to +25 days? This, in particular is truly intended to hoodwink the consumers into missing the payment date or paying more. There is absolutely no reason to create new terminologies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I would like to bring your attention that COMMONWEALTH FINANCIAL are violating several laws pertaining to my social security Number, and the FDCPA. First thing, I would like to know how they came into possession of my social security number, who authorized their company to use their tradeline on my credit file. Furthermore, they have placed a negative account on my credit file before they addressed a debt assumption letter to me. According to my credit file, the date for this fraudulent account was placed on my credit file XXXX XXXX, 2015, and I am just now receiving a debt assumption letter on XXXX XXXX, 2015. 

I would like to state for the record that I have never received a debt assumption letter from them until now ; if they sent any letter previous to XXXX XXXX, 2015, I demand they show proof of mailing and proof of claim that I have ever received such letter. 

I have disputed this with all three credit bureaus and the bureaus claim they have verified the account. How can this be if I am just now receiving a debt assumption letter in XXXX XXXX, 2015, when this has been on my credit file since XXXX XXXX, 2015. 

IF THIS IS NOT THE CASE, THEN WHY WOULD THEY SEND ME A DEBT ASSUMPTION LETTER IN XX/XX/XXXX, IF THEY ALREADY TOOK THE APPROPRIATE ACTION FOR THEM TO PUT THIS ON MY CREDIT FILE IN XX/XX/XXXX.?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: AR
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:
XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX, XXXX XXXX Account # XXXX, XXXX Account #  XXXX XXXX XXXX Account # XXXXXXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXXXXXX ACCT # XXXX, XXXX XXXX Account # XXXX In 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have contacted the collection agency XXXX XXXX directly, as well as, XXXX, since XX/XX/2019 disputing the error that is being reported in the amount of {$3600.00} and another account for {$4100.00}. This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

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 2018-07-19
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2018 initiated paying off my home mortgage loan with XXXX XXXX XXXX. I was advised to call XXXX XXXX XXXX ( XXXX ) to have them stop taking withdrawals from my XXXX XXXX bank account but they already had. I was told to find out if they sent my money to the mortgage company - and if they had they would calculate the 'motgage payoff ' amount taking that into account, and if not ( i.e. XXXX was holding my money ) then I was to request that they send it back to me. They took my money ( {$2300.00} ) and did not send it to XXXX and I have been trying for 6 months to get them it send it back to me. 
I am beyond frustrated with the lies and complicity of this fraudulent company. I have spend countless hours -on hold, being given the run around, blatant lies, being asked for bank info so they could directly deposit - which they never did, being asked for mailing address to 'send the check ' which never arrives. Trying to 'escalate ' to a supervisor/manager someone that could actually just do the right thing, but still getting people XXXX ( twice ), XXXX XXXX XXXX XXXX XXXX   etc etc who just lie and say they will return my money. The last one was a doozy - after hours on the phone I supposably was talking to a manager - 'XXXX XXXX from the XXXX XXXX call center that told me she could see record of the escalation sand multiple 8 attempts on record and told me that the Ohio call center was in the process of closing down so that is why no follow up was ever done. She assured me ( like all the others ) that this would be resolved and a check for {$2300.00} would be returned to me - XXXX XXXX XXXX, XXXX CA XXXX. Like the last 5 at least I told them the XXXX quote of 'insanity is doing the same thing and expecting different results ' so how was I to believe this would actually happen? She promised she would call me in 3 days to follow up. I asked her to call me right back after we hung up so at least I would know she had the capability to do so and she did!! I had hope. Sadly that was on XX/XX/18 and I haven't heard or received a thing. I can't keep calling back and expecting anything to be different. I know this country has gone to * & ^ % with a malignant narcissist in power but does that mean all companies can companies run amok and defraud citizens? This company did from the get go by calling and claiming that they were from my mortgage company and my mortgage would be paid off faster wo fees. When I found out it was fraudulent I tried to 'undo ' pay map /equity accelerator to no avail. So I borrowed money to pay off my loan ( and be done with them ) and they still are stealing my money. Please help me recover my {$2300.00} and I promise I will never be stupid enough to trust a US financial company like that again! Thank you so much XXXX XXXX ( XXXX is XXXX XXXX - fyi bc has both our names on the CFPB site )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was transferred from Di-tech to a new mortgage company XXXX XXXX. The first bill I receive from XXXX due XX/XX/XXXX, states I owe an amount {$360.00} higher than my normal monthly payment of {$790.00}, a total of {$1100.00}. I have called both companies, XXXX states I need to make this payment in full and that this was is an underpayment that was transferred over from Di-tech. When I reached out to Di-tech I was told various reasons for the amount that was transferred and owed. First it was legal fees, then inspection fees, then fees from XX/XX/XXXX( unable to specify the type of fees ) and finally fees associated with a modification done back in XX/XX/XXXX. In XX/XX/XXXX, I was charged fees associated with my modification in total of  {$16000.00}, that was added to my loan, in addition to that, they assessed legal fees and inspection fees in the amount of {$3600.00}, which brought my mortgage total from {$94000.00} to {$110000.00}. Neither Di-tech or XXXX   can explain why I am now being charged an additional fee of {$360.00} 20 or 5  years later ( they cant seem to get the year right ). I don't want to be late on my payment as that will cause a domino effect of other issues ex : Late fees and who knows what other fees they will come up with. I am in need of your help as I feel they are just tagging fees and taking advantage of people to get more money. I have attached my payment history starting from XX/XX/XXXX through XX/XX/XXXX when my loan was transferred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: EQUIFAX, INC.
State: WV
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 called the deptor and they said my account of {$36.00} has a XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a GM card for many years. I was living XXXX since XXXX and paying my card very regularly. I found that they had blocked my ability to pay over the internet XX/XX/XXXX because I tried several times and then it was too late to send a check. I suspect it was purposeful, since I had accumulated thousands of dollars towards a new GM car. Or maybe it was just a security issue about signing in from outside the XXXX. At any rate, I wrote them a letter that I wanted to pay and keep up my card, but they had put it up for collection almost immediately -- which makes me think they were purposely trying to get rid of some accounts that they felt were at risk. So now they canceled my credits and have caused me trouble with my credit report. I would like elimination of the sale of the account in the first place because it was done in a deceptive manner, and secondly to void the debt retroactively because they caused me damage and are preventing me from getting loans as I 'm back in the US now. Here is a copy of the letter I wrote them : Subject : GM Card ( left out ) XXXX XXXX, XXXX Dear Sirs, I have been trying for months to access my GM account in order to pay my bill, but I ca n't access it, so I figure it was not just a temporary glitch and I am writing you instead, and I would like to 1. Know what is going on 2. Pay my bills 3. Obtain a cancellation of any late or interest charges. As part of that, I would like in writing whether you have reported this to any credit agencies, and, if so, a copy of your letter correcting this mistake. 
4. Restore my internet access to the account. This is important to me as I currently live XXXX. 
Please respond to me at ( left out ). 
Thank you, -- -- -- -- -- -- -Please note that the card management is not clear. At the time that it happened, it appeared to have been administered by XXXX, who may have purchased it from XXXX, and I think it was passed on through several other card companies after that. 
-- -- -- -- -- -- I am not sure what the billing address was at the time of the incident. I put one that might be correct, but I 'm not sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
Capital One taunts its credit card as a tool to establish credit yet it does not REPORT correctly or adequately to XXXX MY good credit. 1. I have paid on my account now for 1 1/2 years and yet it is not reported. 2. They do not update my balance that decreases every month, therefore inflating a lowered credit score. 3. They do not report my correct credit limit of Credit Line : {$1400.00}. 4. They promise to increase my credit limit with good payment history and yet NOTHING. I am still at a low balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have continuously contacted the creditor whom refuses my dispute of the validation of this unauthorized inquiry. The representative could not provide with verifiable proof of the unauthorized inquiry, because they did not have the right to view my credit file in the first place. Also, The representative could not provide me with validation as requested, and I have continuously advised the creditor that this inquiry does not belong to me, and request that the following be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: NATIONS LENDING CORPORATION
State: CT
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 contacted both the company who did the hard inquiry as well as XXXX   multiple times. I have also sent certified mail to all 3 credit bureaus ' and I keep getting told, these companies did not need my permission to run my credit history! I need to send a letter to the agencies that pulled the hard inquiry and when I do that, they tell me that nothing they can do! I have spent countless weeks/hours trying to rectify this & I just keep getting the same answer. NO ONE CAN help me.

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 2022-05-13
Company: Experian Information Solutions Inc.
State: FL
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : 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 non-monetary relief