BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-03-03
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ordered steaks from XXXX. They had a 30 day guarantee policy on steaks. The steaks were awful. SO I called them and offered to return them. They told me they can't accept return steaks, so just dispose of them and they will credit my account. Almost a year later, I was contacted by XXXX XXXX to pay for the steaks. I called for a copy of the original order and they don't have it. All they have is a printout of what they say I owe. I called XXXX to discuss and that order isn't in any of their systems, so I couldn't resolve it then. I sent two certified letters to XXXX disputing the charge, asking for backup, etc. One was sent XX/XX/2021 and the other XX/XX/2021 - both of which I have a signed returned receipt for. XXXX closed the case. 

Now I got a letter today from Penn Credit Corp. Same dispute. I'm not going through this again. I spent alot of time and money disputing the last dispute and it seems illegal that XXXX can just assign the same debt to different credit companies after it was resolved with the first one. They never provided me a copy of the actual order. XXXX customer service says it is because the return was processed and deleted from their sales system.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
175 Days for an assumption to take place for the sale of my home. ( 4 extensions ) Beginning date : XX/XX/2023 Told to extend to : XXXX XX/XX/2023 Buyer assuming {$210000.00} at 2.25 % Coincidentally, amidst these protracted delays, I have been subjected to an aggressive marketing campaign from Freedom Mortgage, urging me to cash out my current loan and offering assistance to sell my property.

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 2020-04-02
Company: EQUIFAX, INC.
State: SC
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:
Around XX/XX/XXXX, I made my monthly payment for my XXXX  card. I believe I made the monthly payment with a representative. 

On XX/XX/XXXX, An alert from XXXX XXXX came in my email informing me, my credit score went down. I quickly viewed my credit reports. I discovered that XXXX  had place a 30 days late mark on my credit report, which ultimately affected my credit score, as well as, another creditor lowering my credit card limit because my credit score was lowered. 

On XX/XX/XXXX, I contacted XXXX  about the negative 30 day mark that was placed on credit report, which my monthly payment was made. I was informed, " XXXX  had a computer glitch when my payment was made and the payment did not get posted ''. I asked XXXX  to removed the negative 30 day reporting from my credit report because it was ruining my credit score and my other creditors relations. 

On XX/XX/XXXX, I viewed my credit report to see if XXXX  had removed the negative 3o day mark, which they had not. I also discovered that another credit caard lender hard reduced my line of credit due to the negative 30 days late mark, whoch caused my credit score to be lowered. 

XX/XX/XXXX, I contacted XXXX  again to remove the negative 30 days mark because I needed my credit and could not afford for my credit score to be lowered, nor did I want another creditor reducing my line of credit due. I was told, " XXXX was still in the process of removing the negative mark from my credit report, while I continue to adversly affected by the negative mark on my credit report. 

We are experiencing a Pandemic Crisis and I needed my line of credit on my credit card, which my credit card limit was {$2100.00} that was reduced to {$700.00}. In addition, when my credit card holder reduced my line of credit, it also affected my credit score. My line of credit was reduced on XX/XX/XXXX, which I contacted XXXX  on XX/XX/XXXX about their mistake of putting a bad mark on my credit report. If XXXX  had taken care of the negative mark, i would not have lost my credit line with my credit card holder. My credit is ruin as well as my credit score. I opened the XXXX  account in XXXX which I was in good standing with my XXXX  account as well as with my other credit card holder. 

XXXX  ruin my life and my credit! I needed my credit card limit that was reduced while I am adversely affected from the Pandemic Crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act there a accounts attached that have violat

ed 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 w
ritten consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
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 a company on my credit report named XXXX XXXX XXXX XXXX XXXX. XXXX on 2022 i sent a ftc report also a police report to have this item removed because i do not have a XXXX and im not on XXXX XXXX I also asked for proof to be sent yo me with my signature saying im responsible and i agreed to this term of XXXX XXXX I have no proof, the credit bureaus wont send me anything saying this court ordered debt is my obligation.

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 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2023-11-08
Company: Southwest Credit Systems, L.P.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX credit bureau says account open the other shows closed original dept was with XXXX  XXXX XXXX  and was charged off but XXXX XXXX XXXX XXXX is trying to collect debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back earlier this year, I went back and forth with kohls as my account was not right and they added late fees when they were not exposed to have been there. In XXXX, I called again and they said everything was fine and not to worry. I called again in XXXX after receiving a statement for a late fee. Why do I have a late fee when I do not even have a balance on my card? So I contacted customer service again and the guy told me I had a XXXX balance. Then I asked why I had a charge for a late fee and he could not give me an answer. So I asked for him to close my card knowing that it had to have a XXXX dollar balance in order for it to be closed. He was successfully able to close my card with no issues. He told me there was no balance and I had no credit card, great because I was done with this circus. At this point, I was hoping my issues with them were solved on this ghost late fee charge on a XXXX dollar balance. Fast forward a few months and I checked my credit score and they have filed it against me but this charge was not there back in XXXX when my account was closed. I closed this credit card so I did not have to deal with this issue any further. I have talked to kohls and they refused to help. I filed a dispute on the three major credit score sites and noone is willing to fix this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: LA
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 am a victim if identity theft I went to file a report with the FBI in XXXX Louisiana in XXXX. I gave them a potential suspect nothing was ever done about it. there accounts on my credit report that I did not authorize nor do they belong to 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 2023-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America held XXXX of my money saying I made a duplicate check deposit on mobile banking. They closed my account and reported me to chex systems all before talking to me and asking me what could have happened. 
I proved that it was not a duplicate check deposit, but they continued with their decision to close my account and never sent me the money that I deposited. They told me to wait 21 days, and they would issue me a check. I waited and suffered behind a payday ... and then I got a letter in the mail saying that they were holding the monies until they could be verified. However, the monies was verified the entire time by the fact it was sitting in the bank accounting. I never got that money. and the account is closed and I can not get another account due to chex systems. Also, they made me verify myself over six times by driving up to XXXX, Oregon and showing my I.D . and social security card. This expense was XXXX dollars every trip counting food, gas, and lodging and time off work. 
In addition to this final insult, durring the lifetime of the account their were multiple time my account was frozen without explanation. Each time my account was frozen I was told the only wasy to clear it was to drive to the nearest financial center and verify myself. This was a long trip. The closest Bank of America to my hometown is over 400 miles. I had to take time off work, borrow money for the trip, be late with bills and rent, etc. I had to find the money to get up to XXXX with my money frozen and I was unable to pull it out to make that trip. I had to borrow the money so when my account was unfrozen I had to pay back the debts putting me in a XXXX balance again. This happened six times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
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:
This is XXXX XXXX and I am submitting this CFPB Complaint as a follow up to the previous Complaint I submitted requesting the removal of the fraudulent accounts and information off of my Credit File in accordance with the Fair Crediet Reporting Act section 605b. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I am requesting that you remove the following items off of my Credit file as soon as possible ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$1500.00} XXXX XX/XX/2022. These Items were the results of my identity being stolen. If you believe that these items belong to me, I required you to send me copies of proof of ownership or any documents you found during your investigation to support such claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02
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: Investigation took more than 30 days

Complaint:
I RECENTLY RAN MY CREDIT AND NOTICED THE BELOW INQUIRIES SHOWING ON MY CREDIT FILE. THESE ARE NOT MY INQUIRIES, SO PLEASE DELETE THOSE INQUIRIES UNDER, INQUIRIES TO DELETE. 

I HAVE NEVER BEEN LATE ON ANY OF MY ACCOUNTS. I NEED THE BELOW ACCOUNTS UNDER ACCOUNTS TO AMEND, TO BE AMENDED IMMEDIATELY TO SHOW NEVER LATE. 

ON XXXX, XXXX, XXXX I HAD MAILED A DISPUTE LETTER OF THE BELOW INQUIRIES TO BE DELETED AND SOME ACCOUNTS TO BE AMENDED. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS, AND NOW YOUR COMPANY IS IN VIOLATION OF THE FCRA GUIDELINES FOR THE 3RD TIME REGARDING INVESTIGATIVE RESULTS REPORTS RESPONSE DEADLINES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: AR
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 CFPB Complaint to request to dispute information on my credit report that is not accurate. The information in question only appears on Equifax Credit Bureaus report as Late. However, the same account is not reporting as Late on my other credit reports. As per the Fair Credit Reporting Act ( FCRA ), all reported account information must be accurate, and I expect your bureau to comply with this requirement. The mistake in reporting Late payments is negatively impacting my credit score and is misleading to anyone who reviews my credit report. Therefore, I request that you update this account immediately and remove any reference to Late payments. It is clear that this account should have never been mistakenly reported had your record keeping been accurate and up-to-date. I need the following accounts reporting inaccurate information corrected and udpated as soon as possible : XXXX XXXX XXXX XXXX XXXX  Opened XXXXXXXX XXXX XXXX Balance {$23000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance {$530.00}. I have attached documentation that supports my dispute and request that you thoroughly investigate this matter. Please inform me of the results of your investigation as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive an alert on my XXXX app and found that my credit score had dropped XXXX points. I inquired through the 3 credit reporting agencies as to what this was. Then I requested a validation letter requesting documentation of this collections, but I have yet to receive any documents except one collections letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : 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 non-monetary relief