BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-12
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I placed an order ( XXXX ) for a XXXX Laptop for {$410.00} on XX/XX/2020. This was shipped with XXXX tracking # XXXX. My shipping address mentioned in the order was XXXX XXXX XXXX, XXXX, XXXX XXXX, DE XXXX. But this item was delivered to incorrect address XXXX XXXX XXXX, XXXX XXXX, DE XXXX on XX/XX/2020 and it was received by somebody named XXXX. Attached the proof of delivery provided by XXXX for the same. I have cited this reason and spoke to BestBuy several times and they still refused a refund. 

So, I decided to dispute this transaction and provided all these details to your team, when I opened this dispute ( CASE ID # XXXX ). Still your team has incorrectly closed this dispute in BestBuys favor 4 times so far without even looking into the proofs I have provided ( it clearly shows the incorrect address in the XXXX  proof of delivery ). I had to call your team several times to explain this issue and still they were not helpful. I have reopened this dispute again to investigate this clearly. Can you please investigate this issue as a high priority as this has been going on for several months now? Please let me know if further details are required. 

Please Note : I spoke to many representatives from disputes team asking them to give me a call or send me an email before closing the dispute. I have never received any correspondence before the dispute was closed. Not sure why this was not notated in the case when I called in.

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 2017-06-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a collection account with Portfolio Recovery. I have picked up my phone, made payment arrangements with Portfolio Recovery, have been making ACH scheduled payments from my checking account every week, and my credit reports have yet to show the all the updated information fields on all  XXXX  of my credit reports ... THERE IS ALWAYS SOMETHING MISSING OR BALANCE INCORRECT, ALSO THE FACT THAT I HAVE SCHEDULED PAYMENTS AND THE AMOUNT OF THE LAST PAYMENT IS MISSING, AND/OR DATE OF LAST PAYMENT IS MISSING OR INCORRECT .... I AM PAYING THE ACCOUNT IN FULL TO YOU, AND YOU GUYS CAN NOT SEND COMPLETE CORRECT INFO TO ALL   XXXX   CREDIT BUREAUS? PORTFOLIO RECOVERY BOUGHT MY CHARGED OFF CREDIT ACCOUNT FROM MY ORIGINAL CREDITOR ... .. IN WHICH, MAKES PORTFOLIO RECOVERY MY CREDITOR NOW, YOU ARE NOT WORKING ON BEHALF OF ANY OTHER CREDITOR ( YOU BOUGHT AND PAID FOR MY CHARGE OFF ) AND SO I BELIEVE THAT NOW, SINCE YOU REPORTED MY ACCOUNT AS NOW YOURS HERE JUST RECENTLY CHANGED, I WOULD THINK THAT NOW SINCE YOUR NAME HAS BEEN CHANGED TO REFLECT " CREDITOR '', AND MY PAYMENTS ARE BEING PAID ACCORDING TO OUR AGREEMENT SCHEDULE, THAT THE LEAST YOU ALL COULD DO IS NOW REPORT CORRECT COMPLETE INFORMATION TO ALL  XXXX  OF THE BUREAUS. IF YOU DO NOT REPORT TO ALL  XXXX  BUREAUS, THEN WHY ARE YOU ON ALL  XXXX  OF MY CREDIT BUREAU REPORTS?? ALSO, WHAT IS THE DEAL ABOUT ANOTHER ACCOUNT FROM 1993? I KNOW WHAT IT IS, AND WHERE IT CAME FROM, AND I WILL NOT PAY IT UNLESS YOU REPORT IT. I WILL NOT MAKE PAYMENTS FROM MY CHECKING ACCOUNT WITH MY ROUTING AND ACCOUNT NUMBERS, AND MAKE ON TIME PAYMENTS TO YOUR COMPANY FROM AN ACCOUNT BACK IN 1993 UNLESS YOU REPORT IT AS A BRAND NEW ACCOUNT AND REPORT IT TO ALL  XXXX  BUREAUS, AND STATE THAT ACCOUNT IS IN GOOD STANDING AND PAYMENTS ARE CURRENT AND ACCOUNT IS NEWLY OPENED. I WANTED TO PAYBACK MY ORIGINAL CREDITOR   XXXX   XXXX   .... THEY WILL NEVER GET PAID BACK BECAUSE YOUR COMPANY BOUGHT MY ACCOUNT. I REALLY SHOULDNT PAY YOUR COMPANY ANYTHING, PERIOD. BUT I AM, SO IF MY REPORTS DO NOT START REFLECTING GOOD COMPLETE INFORMATION, THEN IM DONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Harpeth Financial Services, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have already made payments of more than double the amount borrowed. I have had NO contact with or from this company since  XXXX  or  XXXX   XXXX , at which time I disputed interest charges & wanted a new settlement of the account & they indicated that they would credit my account & I was considered paid in full as I indicated I was going to consult an attorney or file complaints.   On  XXXX / XXXX / XXXX  a call was made to my employer when I was not there & a message was left that " I 'd better call.. '' I called this unrecognized number & gave out my current address, as I did not want anyone showing up at my workplace. A summons in a sealed envelope was found in a neighbor 's bushes on  XXXX . I am being sued for much more than I originally  borrowed ( & alre ady paid off ) plus legal fees, court costs & process server costs.There is NO other attached documentation on this summons. Prior to this I have NOT gotten any letter, etc., that would allow me to dispute and/or dem and the customary debt validation, along with the associated waiting period. I suspect that Harpeth d  ba/ Advance Financial has sold off this loan & the attorney will have a " flimsy sworn acct. '' as " proof '' from Advance. The address on the summons is where I lived TWO years ago, which bears out my suspicions about Advance selling my account to an atty/ ''  XXXX  '', as Advance has had my current address the entire time I was their customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Enhanced Recovery and requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX, Experian and XXXX are still reporting an inaccurate account on my credit file. This account is over 7 years old and is well past the statute of limitations. Under the law they are supposed to respond to me and they have not. They have yet to provide proof of this debt and account or how they verified it is valid. 
It is not valid and it needs to be removed - XXXX XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
In XXXX, I disputed an account on my credit report with Capital One as I was a victim of identity theft. Upon Capital One doing their own investigation, I received a letter in the mail dated XX/XX/XXXX indicating that they looked into my claim and found that the account in fact was fraudulent and also indicated that a request would be sent to XXXX, XXXX, XXXX  and XXXX to delete this account from my credit file. 

Capital One did exactly that and everything was as it should be until XX/XX/XXXX when suddenly a third-party collector, XXXX XXXX XXXX reported this same account to all three major credit bureaus, and it showed up as an unpaid derogatory and collection account. 

First and foremost, I never had any association with this company whatsoever. Secondly, how did they even obtain my personal information, and thirdly and most importantly, I still have possession of the letter directly from Capital One on their letterhead regarding this matter which they indicated the account was fraudulent and then subsequently requested the removal of this account from my credit file to no longer negatively impacting my creditworthiness. 

I truly value my credit and manage it very well, so I find it appalling that Capital One would sell my information even after this matter was resolved in XX/XX/XXXX and this third-party company would try to coerce me into paying them money that I DO NOT owe them. What is most bothersome in this entire matter is the fact that XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX and acknowledged my dispute and stated that they are awaiting to receive additional documents from the seller! Their words not mine. They paid for my information and admitted to it. Additionally, the same letter indicates in the interim they initiated a request that the three major credit reporting agencies delete this referenced account. 

Well why would XXXX XXXX XXXX proceed to have the account deleted if in fact I owed them any money at all which I clearly do not? Is this an attempt for them to clean up an oops on their part and cover their tracks because I should have never had to experience this egregious error causing unwarranted anguish by sabotaging my credit as if I'm guilty until proven innocent. 

To date, this account has already been removed from XXXX  and XXXX  but not XXXX. I corresponded with XXXX  directly about this matter and was told they're unable to remove the account despite the fact that I have written proof that should easily remove it just as it was removed from the two other major credit bureaus already. 

With all of that in mind, your assistance with a swift resolution to this very upsetting matter will be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07
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 disputed the late payments on XXXX  XXXX, XXXX  XXXX for months. Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2022-04-04
Company: OneMain Finance Corporation
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:
One Main Financial of XXXX FL has not removed inquiry after I mailed a set verification on or around XX/XX/2020. This has deniede better financial & transportation resources for work. The injury is dated for XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: EQUIFAX, INC.
State: PA
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 believe I am a victim of identity theft. I noticed these items on my credit report in XX/XX/2020. This identity theft has caused great distress in my life and has put me in a great XXXX. Identity theft has cause emotional, mental, and physical turmoil in my life and has caused me to not be able to care for myself and my family the way I would like.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Medical Society Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company XXXX XXXX XXXX XXXX XXXX XXXX placed an collection on my credit report and I had no knowledge of the bill. The bill is from XX/XX/2013 and no bill or notice from the doctor or hospital has been received. Neither did i receive a bill or notice from the collection agency XXXX XXXX XXXX XXXX # XXXX. They put it on my credit report still no notice of the bill just put it in collections. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX , AZ XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
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: Account status incorrect

Complaint:
All my credit card bills have zero balances with paid I full : XXXX, XXXX XXXX, and XXXX. Have never been late or delinquent. There should be no delinquent credit information on my credit report for any accounts considering Federal Truth In Billing and Credit Reporting Disclosures Act and FTC Law with legally variable proofs provided. It is the due diligence of the bureaus to report true and accurate informations to avoid discrimination in lending. 

In addition, moved to dispute all credit inquiries within the last 180 days to current because they were done in bad faith, malice intends, and knowledge without proper authorization and Disclosures as a matter of law as exposed vulnerabilities. These inquiries have substantially caused my credit report to decrease as consequence. As a result have threaten my access to equal credit and to apply for loans to enjoy the equities in my homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX : contacted Mr. Cooper/Nationstar to leave forbearance since that was a requirement for a refinance on another property. Paid outstanding balance and was told the system would send me an email reflecting my status of being off forbearance within 24 hours. I did get this confirmation # XXXX for the transaction. No email received. 

XX/XX/XXXX : {$0.00} balance showing due on Mr. Cooper website but status still showing active for the forbearance program. No email received. 

XX/XX/XXXX : Called customer service to see what the delay was. Spoke with XXXX, escalation specialist, phone number XXXX. He informed me that I got wrong info on XX/XX/XXXX, he attempted to terminate the forbearance again. No immediate resolution, I was told to wait 3-5 more biz days. This phone call lasted 45 minutes. 

XX/XX/XXXX : Called customer service to see what the status was, spoke with XXXX XXXX, escalation specialist, phone number XXXX. He reported that XXXX 's attempt was unsuccessful so he went through the process for the 3rd time AND escalated the problem. He also emailed with his supervisor and someone named XXXX who pushed the problem back on XXXX and was no help. This call lasted over 1 hour. 

XXXX then told me he would call me before EOD and that I should also try back tomorrow. He did phone me and left a message reporting that he had no updated info. 

XX/XX/XXXX : No change to the status of my account. I am now on hold waiting for yet another supervisor. I was just told that no supervisor is available but one would call me back in 48 hourswhich of course means 48 biz hours so sometime on Tuesday, XX/XX/XXXX. 

Those are the facts. 

I feel like this is one of the worst companies I have ever interacted with. Everyone is pleasant on the phone but completely ineffective. They are incapable of doing anything other than reading off a screen. 

If I could punish them for the hours of wasted time and stress that they have caused, I would gladly do it. Hopefully this complaint will shame them in some way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft.  XXXX ,  XXXX   and Trans Union  has the following address listed on my credit report :  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , MN  XXXX , the address do n't belong to me. I have never resided at that address.

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: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2018, I made a large purchase at XXXX XXXX in XXXX, Texas for over {$6000.00} with a promise of interest-free financing for 24 months. After making a down payment, I navigated to the website for my XXXX card to set up recurring payments at the calculated amount to pay off the balance before the 24 months expired. These payments were automatically withdrawn from my account on time each month for two years. At some point during this time, I was encouraged by Comenity to receive paperless statements, and no longer received them in the mail. Instead, each month I received an e-mail with the amount due and the due date. The automatic payments continued and I was excited to have reached the end of the two years of payments only to discover that I had been charged more than {$1400.00} in deferred interest because the credit card auto-payment date was 8 calendar days after the terms ended. Had I not been persuaded by Comenity at numerous occasions ( online, over the phone, and in statements ) to elect for paperless billing, I would have been informed of the pending end of my terms and adjusted my final payment. Instead, at every opportunity, Comenity urged me to stop receiving paper statements. Once I elected from electronic statements, I received an e-mail each month with the amount due and the due date for my upcoming auto payment. In none of these e-mails was there a warning of the upcoming ending to the terms of my interest period. After several calls to Customer Service, I was told that it was my responsibility to read the fine print in the statement ( which they urged me not to receive in the mailbox ). This is unethical behavior and a failure for Comenity to honor their duty of good faith in the execution of the terms of this agreement. They purposely tried to hide this date form me creating obstacles at every turn ( messages when calling their customer service, pop-ups on on their website, etc. urging me to use paperless billing ). Once enrolled in paperless billing, on several occasions I visited the Comenity website to find that the system was down, unable to display statements, and only accepting payments -- preventing me from being able to view my full statement. Comenity is engaging in unethical practices by purposely hiding this information from consumers and failing to take responsibility and blaming the customer on their oversight of the issue. Alliance Data prides itself as a loyalty company, but this is no way to build loyalty. Comenity is not a court nor the federal government, and therefore does not have a right to impose a penalty, and that is exactly what this charge of over {$1400.00} is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
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: Information belongs to someone else

Complaint:
XXXX XXXX is stating that I still am delinquent on an account I never opened account # XXXX. I have disputed this with XXXX, Experian and XXXX itself. Please help! Date opened said date XX/XX/XXXX. with a balance of {$2300.00}. My question I keep asking them as well would be how could you ever get a bill that large ..they turn off accounts after 1 month of no pay which leads me to someone giving fraudulent amounts. Thank you so much for your attention on this matter 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