BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-22
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 is missing that should be on the report

Complaint:
I was purchasing a new car on XX/XX/. While the finance manager was running my credit report, he received and error stating my social security number did not match what Equifax had on file, causing several banks to deny credit for my purchase. I called Equifax the same day and was told to submit a letter and a request to unfreeze my credit report. On XX/XX/, I submitted a request to unfreeze or unlock my account, with proof of identity supplied. On XX/XX/ I received a notification from Equifax stating they were unable to locate a credit file for me due to one of these reasons : You have not applied for credit recently. 
You have not actively used credit in the past ten years. 
You have not lived in the United States or have not been issued a U.S. Social Security Number. All of which is incorrect. The main reason I contacted Equifax was due to the fact that I have no credit report with Equifax ; however, my credit report is fine with XXXX and XXXX. This tells me that there is, or has been information entered incorrectly through Equifax directly, and Equifax has not been helpful in correcting this error. I have student loans, credit cards, and even a car loan in the past, so there should be no reason for Equifax to not have anything on file for me, unless they have the incorrect social security number and or my name mixed with someone else. I'm hoping this gets resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: CITIBANK, N.A.
State: SD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Best Buy 's Citi bank credit card is spreading payments out on promotional balances, in an attempt to push people past promotional due dates and collect interest. They must have quietly changed there polices recently as I have fallen victim to this getting hit with a past due interest change after establishing an appropriate payment schedule. I would have paid all my promo balances off on time if applied to the balance with the soonest due date.

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 2023-01-13
Company: Trident Asset Management, L.L.C.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the 2nd company, that has tried to collect Money from me on the same bill. Both time it has appeared on my credit file. And it is not mines not accurate personal info which I've told all three XXXX, XXXX XXXX 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 2023-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX XXXX of XXXX, PA was to help me with a work related assignment but she never showed up to the job site. Upon mentioning my concerns for the money sent back to my account she replied with a scammy message. 

Since XX/XX/ I've requested the money nearly 5 times via XXXX and no response. 

I've contacted my bank and they've stated it will take 45 business days to research into the claim I opened against her account. 

Therefore, I'm submitting this report to have the police contact her personally at XXXX ( XXXX ) XXXX. 

Perhaps the police can help her to release the funds that do not belong to her. 

Someone please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Update my credit information to the correct information!!! Everything on there is messed up!! Even my name wrong man, no they are gon na end up paying for this TRANSUNION your going to end up paying for damaging my credit!!! why are not updating my CURRENT ACCOUNT!!! Why are closed accounts STILL OPEN?!! And you didnt even update none of my balances!! .I want a settlement!!! Fix my credit report NOW!! and I want a settlement!!! 

My name is also spelled XXXX XXXX XXXX fix that!!! You never fixed my name!!! Im tired of transunion messing my account up!!! Its always them that wan na correct information late!! And i still didnt get all the points i lost over the fraud!! I lost XXXX points over a accout that was supposed to be closed!!! Transunion is the only company left keeping it open!!! After being told it was closed and settled multiple times!!! They have to fix everything Im no where near satisfied

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 2023-07-10
Company: Experian Information Solutions 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 noticed a drop in my credit score on Experian. After investigation, I found that there was report of a credit card from XXXX XXXX XXXX for which I owed XXXX dollars. I have no knowledge of this credit card or the XXXX dollar purchase. 
I disputed this with Experian and they reported that the card and charge was verified. How could this be verified if I have never owned a XXXX XXXX XXXX credit card?

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
The Credit Bureaus XXXX, XXXX And TransUnion Are Reporting A Student Loan ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) That Was Forgiven/ Discharged Due To A Total And XXXX XXXX  I Have Paperwork To Prove, I Need This Removed From My Credit Report Immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX reported my account late for XXXX and XXXX while the account was in a forbearing and mod. I sent them a copy oy my bank statement showing that the payments made and they still have not changed the reporting.

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 2023-04-22
Company: Block, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Did the transaction ( s ) in question ever have a processing period? Was that processing period the transaction ( s ) pending that are in question? Each time were they totaling more than what was my available balance? How were they able to get the amount that the company Cashapp recovered? Who gave them any amount of the complete total that wouldnt complete the transaction and guarantee a product be shipped to me if they did not receive the entire payment required to complete the transaction to their standards of doing business with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the fair credit act the following companies : XXXX acct XXXX XXXX, XXXX acct # XXXXXXXX XXXX  XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX XXXX XXXX  acct # XXXX, XXXX  acct # XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX acct # XXXX has violated my rights XXXX 

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 instruction.

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 2023-04-22
Company: Phoenix Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I was alerted that my credit score ( by XXXX ) had been reduced and went to the site to see why. I saw that I had been placed in collections- for an ambulance bill dating back to approximately XXXX. I got the information and call the agency that had placed me into collections ; it was Phoenix Financial Services contacting me in response to an ambulance bill from XXXX XXXX XXXX. I called them and asked why I was in collections. They stated that it had to do with an ambulance bill that I had incurred while living in XXXX I explained to them that any and all medical bills, from that period, were and have been paid for/covered by XXXX XXXXXXXX XXXX XXXX as I had began receiving SSI and they covered all of my medical bills. I later moved to XXXX. As I spoke with the representatives, their only concerns appeared to be 1 ) getting my current address and 2 ) arranging for some type of payment arrangement. I let them know that I had never received any communications from XXXX XXXX XXXX or anyone stating that I had an outstanding medical bill and knew nothing about the outstanding bill until the current year, XXXX. They also mentioned my old address - letting me know that the reason I had never been contacted was that, if any correspondence had been sent, it had been sent to the XXXX XXXX XXXX address. They are now focused on forcing me, an elderly & permanently XXXX woman, living on SSI, to pay for an ambulance bill that they failed to make me aware of, from over 6 years ago and that they failed to collect payment for from the responsible party - the Social Security Administration. I should not have to suffer because they failed to have a current address and contact me, years ago, about the outstanding bills ' existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: GA
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:
My identity has been compromised I'm a victim of identity fraud. Please remove these inquiries from my credit report. 

XXXX, VA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX  Location XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone Phone number not available Inquiry Type Individual XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX CA XXXX Phone ( XXXX ) XXXX Inquiry Type IndividuaXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone ( XXXX ) XXXX Inquiry Type IndividuaXXXX XXXX XXXX XXXX via XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX Location XXXX XXXXXXXX XXXX XXXX XXXX  OH XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual

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 2023-03-03
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We canceled service with XXXX and switched to XXXX XXXX XXXX around XX/XX/2021. Paid all invoiced bills. Called and canceled voice-mail and verified that all bills were paid. Never received a bill or anything. Then noticed a collection against me. Called XXXX and they will not talk to me. Called the collection agency and they refuse to provide a invoice, XXXX or any proof that we owe the bill. They say we have to call XXXX. They have caused me damages to my credit. And refuse to try and resolve this. Your help would be greatly appreciated.

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 2023-04-22
Company: Experian Information Solutions Inc.
State: VA
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:
Letter sent certified to Experian on XX/XX/XXXX and received by them on XX/XX/XXXX. In this letter, under Sections 609 and 611 of the Fair Credit Reporting Act, I requested to see the source of information, which is the original contract containing my wet signature for XXXX. XXXX, XXXX which was allegedly opened on XX/XX/XXXX. 

Experian has failed to address this and it has now been in excess of 30 days.

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 2023-03-04
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX has not corrected the issue on my account even though I have provided multiple forms of proof that I did in fact pay my account before the due date and even paid extra they have not corrected it and took over a month way longer then there deadline to respond in which i sent he challenging information electronically as well. I have attached XXXX statements proving I paid on time and extra and request they remove tthis late payment and update it to current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX 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 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 2023-06-26
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: Information belongs to someone else

Complaint:
I called the credit reporting agencies letting them know the inquiries and the documents included below are unauthorized/ not supposed to be visible on my consumer report. Never gave them permission or consent to report them.

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 2023-04-22
Company: Above Lending, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was having financial hardship last year and called prior to the loan going into default. I was dealing with an abusive ex threatening to take my son so I had to get a lawyer. Told them all this and the gentleman I talked to at the time said I could miss two payments and for a one time thing they could add those two payments to the end of the loan. So I elected to do so. Now I keep getting phone calls saying I have missed payments. The loan is autodebited every two weeks when I get paid. When I called to resume payments, it has been autodebited since without fail. I have spoken with them numerous times to stop calling me and telling them what I was previously told. Every phone call Im on says Im being recorded. I told them to go back and listen to that conversation to hear what I was told. They conveniently dont have it. Said I was told incorrect information and theyre sorry but I need to catch it up. Im a XXXX  mom to a XXXX. One income. No child support and no state help. I work my behind off to make sure I have enough money. Above lending doesnt care in the least bit. The loan is a {$17000.00} loan that will cost me {$33000.00} to pay off. I was falsely led to take the loan saying it was a graduation loan from a company to help fix my credit. It made my credit way worse and it costing me twice what I owed. I feel like all kinds of wrong has happened. Theyre also saying I owe for three payments and not two. Totaling over {$600.00}.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the fair credit act the following companies : XXXX acct XXXX XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX has violated my rights XXXX 

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 instruction.

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 2023-04-17
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my right to privacy and reported information without my written consent which is illegall and against the law. 

Below are the codes that were wrongfully used. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604. It also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX has harrassed me for months with unsolicited calls and vociemails, and by reporting wrongfully used information, my credit score has drastically dropped by XXXX points. 

I would like this item removed from 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 non-monetary relief
Consumer complaint received 2023-04-22
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a single family home as an investment property on approximately XX/XX/XXXX. 

My original loan amount was approx. {$76000.00}. My current principle balance is approx. {$42000.00}. 

20 % of the original sales price is approx {$15000.00}. 
80 % of the original sales price is approx {$60000.00}. 

The current market value of this property is approx {$260000.00}. 

Over the past few years, I have made several requests to have the Private Mortgage Insurance ( PMI ) removed, but each request is denied by the mortgage company Shellpoint ( a division of NewRez ). 


I believe the mortgage company is in violation of the Homeowners Protection Act of XXXX, and I am requesting assistance getting my request to remove the PMI honored by the mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was called about making a payment and the person on the line told me that they could do a charge out for me i paid like {$1300.00} and the next month I received the bill i have continued to receive a bill I contacted the company they said they were going to do an investigation they have not got back in touch with me they canceled a report in this on my credit as a negative or I failures to pay When me and the person who called me about the payment had set up that one time payment that should have closed the account

Company response to consumer: Closed with monetary relief