BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
Company: EQUIFAX, 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:
I ordered a copy of my report in XXXX and XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. I sent a letter to the 3 credit bureaus on XX/XX/2022. As of XX/XX/2022, Equifax, XXXX, and XXXX have not responded to my dispute. This is my sixth attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing of BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any account which was opened without my knowledge, consent or authority. 
XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I ordered a copy of my report in XXXX and XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. I sent a letter to the XXXX credit bureaus on XX/XX/2022. As of XX/XX/2022, XXXX, XXXX, and TransUnion have not responded to my dispute. This is my sixth attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing of BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any account which was opened without my knowledge, consent or authority. 
XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXXXX XXXX : {$0.00}

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 2022-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
have had constant problems with continually failed or closed Cap One ATM up the streeXXXX where I make my payments at Capital One Caf They always apologize and recently I asked for a brand new card to remove that variable from the equation as well. Today i found out they charge/d a late fee ON THE DATE the payment was due at XXXX XXXX time- Which i said i would not pay ; for both reasons. They then said that they now will only credit once every 12 months - And i said aside from the atm failure 'you can't charge a fee while the day is still the day in-progress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-31
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my account on X/XX/17 with a {$200.00} promotion after making 2 DD > {$300.00} within 90 days. I have met the requirements by XXXX. 

I contacted BMO Harris on X/XX/17, which was 140+ days since opening the account, and received a reply the same day stating a bonus would be applied within 10 business days. It has now been 11 business days with no bonus or any further communication.

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX NC 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 2018-12-14
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have confronted XXXX and XXXX numerous times with the facts that these old, out of date, incorrect addresses keep appearing on my credit report, and that they need to be removed permanently from my credit report immediately. They fail to comply with my demands as these addresses are tied to old, out of date, closed and paid accounts that are past the statute of limitations for listing on my credit report. I have also requested that any old, out of date, paid in full, closed accounts be removed from my credit report immediately, because they are tied to these old addresses. I have provided XXXX, Experian, and XXXX my current, correct address several times but as you can see in the enclosed documents, XXXX fails to list my address correctly, and XXXX lists a XXXX XXXX XXXX XXXX address for me still. I want all of these old addresses wiped from their files permanently!

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 2018-05-16
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In the course of my student loan, I have been making payments and I feel that the payments haven't been added to the debt, the company stated that I am delinquent over 180 and my payments are auto pay. This has had a negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: Residential Credit Solutions, Inc.
State: MA
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 disputed an Adverse Account on Credit report file # XXXX by XXXX XXXX XXXX ( XXXX ). 
My Loan was to be paid by XXXX XXXX, XXXX XXXX XXXX, XXXX Co XXXX.who never changed the mortgage holder after they were notified XX/XX/XXXX from XXXX XXXX to XXXX. My mortgage payments were made from my XXXX XXXX checking automatically bi weekly to XXXX XXXX. I have copies of bank statements verifying these payments. XXXX XXXX continued to pay XXXX XXXX in error by their own statements and had written to XXXX of their error and that it would be resolved. I was worried about my credit report because even though XXXX was notified of the error and said I would not be reported as late, they reported me to XXXX as delinquent from XX/XX/XXXX to XX/XX/XXXX. As it turned my perfect credit was marred by this error, of which was not my failure to pay, but XXXX error and it was compounded by XXXX 's failure to cooperate with all my requests and correspondance from XXXX XXXX. They were keep in the loop during the entire 7 month period by voice, email and fax by myself and XXXX XXXX who had taken full responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: MD
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:
It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. REGIONAL XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX ; XXXX, XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX MD 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 2022-07-18
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2017-09-03
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Tried calling Moneygram about this matter on XXXX/XXXX/XXXX at XXXX XXXX, overseas agent disconnected me. Sent two money transfers under XXXX and XXXX to the same recipient ( XXXX XXXX ). The location used to retrieve the money is : XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. A major violation seems to exist with this particular agent, they insisted on making/keeping a copy of the Drivers License before dispensing the money. This seems to be a major privacy issue that can lead to problems down the road. In fact, this has never been encountered at any other agent locations. Lastly, agent refused to release the money until the sender called Moneygram and had the middle initial added for the recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: AMCOL Systems, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the first time I have ever pulled up my credit score and to my surprise I had an account in collections that I was never aware of. I do not have any credit cards nor do I have any outstanding balances. Can you please assist me in fixing this problem that I know is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint myself to address the imprecision on my Credit Report. I am unaware that my courthouse has the ability or manpower to call Transunion and provide them with information for each consumers civil claims or judgments. If they did, I can guarantee you the unemployment rate in the nation would be eradicated with all the positions they would be filling. So please, provide me with the name and number of the an actual third party that provided you with the details for the following : XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2018 Reference # : 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 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXXXXXXcontinuestofurnishinquiresonmycreditreport.RequestedwrittenauthorizationandcompanyfailedtocomplyaccordingtoFCRAGuidelines.

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 2018-12-14
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
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 XX/XX/XXXX {$150.00} {$140.00} {$150.00} {$150.00} {$150.00} {$150.00} {$150.00} {$150.00} {$150.00} {$3500.00} These were payment made to this debt collector with the agreement to resolve the judgments with ( XXXX XXXX ) & XXXX XXXX XXXX. 
However, I continue to receive letters threating to garnish my wage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : 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 2022-07-18
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being erroneously targeted by Diversified Consultants Inc. on behalf of XXXX XXXX XXXX for unpaid debts of {$290.00} that are completely invalid and false. To highlight the situation, back on XXXX XXXX, 2015, XXXX XXXX that had been registered at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX was returned to a local XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, IL. A final balance of {$21.00} was paid, and the account was subsequently closed at that time. This was confirmed by a XXXX employee at the XXXX XXXX XXXX location. My XXXX Account # was listed as XXXX. However, XXXX XXXX has tried to charge me for continued service from XXXX XXXX, 2015 -  XXXX XXXX, 2015 despite the fact that the account was closed out 3 months prior. 

I have on several occasions asked for the following information and have yet to receive it : -- Any and all documents identifying the serial # 's of all equipment that was registered to the " XXXX XXXX '' after XXXX XXXX, 2015 -- A receipt identifying the serial numbers of all XXXX equipment that was alleged to have been received and used by me after XXXX XXXX, 2015 -- A signed statement by a XXXX employee, attached to a printed document showing the results of that employee 's exhaustive search of all XXXX databases, testifying that they in fact have searched any and all such databases for these corresponding serial # 's and that the documents presented in fact are true Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-03
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was diagnosed with XXXX XXXX in XX/XX/XXXX, I had to have XXXX. I fell behind on my mortgage with XXXX XXXX. I was out of work, recovering from XXXX and XXXX, in til late XX/XX/XXXX into XX/XX/XXXX. I applied for a loan modification and was denied, even though I am receiving Social security XXXX. I applied for XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX, and they accepted my application and agreed to pay Ocwen {$50000.00} which they rejected because my outstanding balance was over that amount. At the same time they denied my loan modification even though I make more than sufficient money monthly. I contacted Ocwen on XX/XX/XXXX an ask why was the $ XXXX from NJ housing rejected and they did give me a loan modification, but wanted me to pay over {$57000.00} to save my house. I am waiting to hear back from Ocwen escalations to see If they would accept the {$5000.00} from NJ housing Authority, minus their fees with turns out to be {$50.00}, 300 plus at the end of XX/XX/XXXX. I suggested to them that I will pay the difference between the $ XXXX and the XXXX XXXX dollars an continue to pay the mortgage in XX/XX/XXXX. 

XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted SYNCB/PPC via phone and fax about this account. I have asked them to send me something with my signature on it. I have sent them old police reports etc. THEY refuse to remove this. They have sent this to some collection company. THIS IS BAD. THEY ARE BREAKING LAWS. ' I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRAs to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE.

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 2022-02-18
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Used cashapp  via Square ( XXXX XXXX XXXX ) to attempt to purchase something. Ended up being scammed by user. Have reported to Square with no followup. Have screenshots showing attempt to purchase and no response by user with followup communication blocked. 

Have also further information showing same user attempting to scam other people. 

Was expecting Squares cashapp to be secure and have fraud protection since they are a legit finance company in the US, and also verified identity to setup account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: I.C. System, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received any kind of notice.. not sure what this is for. I found out about this through 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