BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: AZ
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
My car was totaled in a hit in run accident they are continuing to add fees and charge interest rates even though my insurance and gap has paid off more than most of it. My bill of sale and my retail installment contract are two completely different things my bill of sale says Ill have paid off XXXX and some change by the time the cars paid off and then the retail installment contract says XXXX would be paid off. Im just confused and lost Ive called and asked about it because my dad says I should have the car paid off by now it has been 2 years and my car payoff quote never reached below XXXX in the 2 years I have been with Westlake finicial

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
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: Account status incorrect

Complaint:
showing that this account was In Collections/Charge-off. That was never the case i've talk to the a few times on the phone and they said it shouldn't be reporting and it will be fixed but it never was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent a letter to Equifax disputing an account that is false being reported on my account. The account in question is - XXXX XXXX XXXX XXXX XXXX. I requested for physical proof of verification and did not receive a response. 

I then sent another letter to Equifax on XX/XX/XXXX requesting for this account to be deleted as XXXX  and XXXX  deleted the account based on the lack of ability to properly verify the reported information being accurate. I received no response from Equifax. 

So I then filed a complaint through CFPB on XX/XX/XXXX. I received a response on XX/XX/XXXX that the company would investigate. It is now XX/XX/XXXX, and I have not received a formal response from Equifax on this investigation. I looked onto my credit profile today and saw that the account in question is still on my report. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, I am requesting Equifax to now delete this account off of my profile, as they have failed to properly verify this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid {$50.00} prior to the due date of XX/XX/. After paying online, Capital One confirmed the payment. A few days later, Capital One informed me when I called that my payment did not go through. Capital One never informed on their own that the payment wasnt received. My objection is that Capital One charged me a late fee and reported my payment late. It has affected my credit score. I have never been late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2018 Chapter XXXX Bankruptcy discharge under public records has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting public records Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of bankruptcy that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX IS CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. I have notified the Bankruptcy Court and their response letter is attached stating they do not report information directly to the credit reporting agencies. Therefore, how could you verify this account.

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 2023-08-25
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had issues at an apartment where I lived. I have rented for 30 years and have never moved out where I have been taken to collections. In fact, I had lived at the same complex before and had my deposit returned before. This time, I had the bad experience where the apartment next to mine flooded into my apartment and I complained to the upper management about it and asked to have the carpets replaced, they did not do anything about it. Instead, they made me the scapegoat and tried to charge me at move out for the mistake that their maintenance people made when they failed to stop the flooding next door. The apartment was very clean when I moved out and was even done by a person who cleans professionally. I have pictures from the move out as well. In regard to the water bill, the water part was broken and I have pictures of it leaking all over the parking lot. I paid hundreds of dollars in water bills to them altogether which was ridiculous. I feel that I was overcharged for the water to begin with. Also, my apartment was broken into which is why the lock had to be changed since their maintenance men were refusing to do repairs at the end. I told them that the apartment was in very good condition and they said I should have done a walk through and I told them that XXXX XXXX refused to do one and they belittled me and disputed this. They made false allegations against me and made comments that were false. I received harassing calls and when I asked to speak with managers, I was told that they were the higher ups. I feel that they were in violation of the FDCPA and the FCRA due to the facts that they would not validate the debt in the beginning and just reported me and would not let me dispute the debt and kept calling and harassing me after I told them not to call me and after I told them I was speaking to attorneys. Also, I was in Nevada and they were calling me from Washington in the beginning. They also gave me bogus contact information. I have been turned down by three apartments already due to bad references by XXXX XXXX ( XXXX XXXX ) Apartments in XXXX Nevada and now they are reporting this on the credit bureau. I feel that this is in retaliation for filing with HUD in the past as well and other state and federal agencies on them as well as Resident IQ data International. Also, my mail was getting stolen from the complex and I had to file with the postal service about this issue. Resident IQ data harassed me over this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: United PanAm Financial Corp.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This isnt mine yet its been on my credit report for many years. Ive never had an account with any auto loans. Please remove this account from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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 not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-08-28
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX occurred in XX/XX/XXXX. The previous month and the month after showing {$0.00} balances. But XX/XX/XXXX showing 30 days behind in payment. When I speak to Billing in XXXX they also say it is odd that it is just XXXX 30 days behind and not paid in full, until XXXX? 

Then in XX/XX/XXXX again it shows XXXX, I paid the previous month in full. XXXX showing a {$0.00} balance, I asked billing when was the payment made? He could not tell me the exact date in XXXX? Huh? But it was for the full amount due? He stated I pay my entire balance, but it does show they dropped my credit limit from {$15000.00} to {$300.00}. Why? He did not know why? But I asked to speak with a supervisor. I did not care about my credit limit, but I did care about the passed due amount as we were still in XXXX and they were showing a {$0.00} amount due in XXXX, and 30 days pass due for XXXX? He could not explain it. He got a three way with two supervisors and they could not explain it. Said they would contact all 3 Credit Bureaus right away. I have been trying to get it removed ever since. Calling both XXXX who state they have contacted the Credit Bureaus and it is the Credit Bureaus who are not removing the negative report. Not XXXX. I have sent in a Dispute every month ever since. 

I find it strange both negative reports are in the month of XXXX. I refuse to use both cards now. I stopped using both cards. Or I pay the credit card bill as soon as I have shopped at XXXX prior to receiving the statement. If I didnt know better I would say someone works at the credit Bureau who knows me and is able to mess with my credit and make my payments late. Knows I have caught on and knows I am making payments prior to the due dates and can not change my payments. This is just cruel and I know it is illegal. 

Any investigation you can do I would be grateful. 

Regards, 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 2023-03-28
Company: Experian Information Solutions Inc.
State: NC
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2020-07-31
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/20 I received an email from PNC bank informing me my account was negative {$54.00}. I made 4 online transfers from my reserve account to bring the account balance positive on XX/XX/20. Then at XXXX on XX/XX/20 I receive an email saying my account was overdrawn on XX/XX/20. After reviewing my account pnc had reorganized my transactions causing me to overdraft. I brought the account current again on XX/XX/20 by transferring {$150.00} to my checking account from an outside account to bring it current. 

When I view my online account history my pnc account shows I have an ending balance of {$48.00} on XX/XX/20. When I called a rep at pnc on XX/XX/20 they informed me my ending balance was - $ XXXX on XX/XX/20. 

I believe PNC online banking is deceitful. It will show pending transactions, then drop them off from your account and online balance total for a few days before reposting them to your account again. I have been informed by a rep on a previous call that online bank balance is not a true representation of the actual account balance. This seems to be the case again and this is the second time it has happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to formally request the removal of late payments from my account records. I understand the importance of maintaining a positive credit history, and I would like to address the recent late payments that occurred on my account. I kindly request your understanding and consideration in removing the late payments from my account history. I am committed to maintaining a timely payment schedule in the future and ensuring that such delays do not occur again. XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a XXXX XXXX XXXX  customer service representative I understand that the company has policies regarding late payments, and I sincerely appreciate your time and attention to this matter. If there is any documentation or information required to support this request, please let me know, and I will provide it promptly.

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 2023-10-24
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I wasn't able to pay on my credit card ( XXXX XXXX XXXX ) bill, as I had lost my job. It then went into collections, and another company started calling my phone at least once a day to retrieve the debt. I had no agreement with this other company, LVNV funding, LLC. They then sent me a date for court. I sent them a letter to validate the debt that I was owed, and did not receive anything within 7 days. In the meantime I did not go to the court date, as I found work and couldn't afford to take the day off, as I was new at the company. I know have a court ordered judgment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am filling a complaint against Discover Bank for abusive and deceptive business practices pursuant to UDAAP, which the CFPB has jurisdiction. I have repeatedly disputed, denied, and demanded stick proof there of regarding any alleged debt owed to them. They have refused to comply with my demands, upon repeated notice. I have attached files as exhibits to support my complaint. Discover Bank both lack standing, and fail to state a claim for which relief can be granted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer declined to remove my private mortgage insurance after I've made multiple request. My home has been appreciated to almost double the value according to XXXX in person evaluation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I found out through credit check that someone used my name and SSN to open XXXX XXXX XXXX account in XXXX XXXX XXXX I have never had XXXX XXXX XXXX account or never been to Texas. I was contacted by XXXX collection agency and got information listed below regarding fraud. 

XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX None of that information belongs to me. I live in XXXX XXXX, XXXX and always had XXXX  account. I filed police report at XXXX XXXX police XXXX. 

Please advise for next steps to secure my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28
Company: Special Financing Company, LLC
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: Reporting company used your report improperly

Complaint:
I reviewed my credit report and learned there was an unauthorized inquiry made by XXXX XXXX XXXX on XX/XX/2018. The unauthorized inquiry was made to my XXXX Credit Report. On XX/XX/2018, I sent a letter to the address provided on my credit report requesting that the company cease its unauthorized hard inquiries into my credit report and that they contact the credit bureau to have the inquiry removed. I communicated that to my knowledge, I had not signed any documents authorizing their organization to view my credit history and therefore the inquiry violated the Fair Credit Reporting Action Section 1681b ( c ) : Transaction Not Initiated by Consumer. I asked them to furnish any document that they believed authorized their organization to make inquiries into my credit report and I requested that the document be sent to my address. In responding to my inquiry, the company merely stated that " your credit report pulled was based on the application request received by XXXX XXXX XXXX. Special Financing Company can not remove any credit inquiries due to the fact the application do not commence with our office. '' As an initial matter, I didn't authorize any applications. Secondly, XXXX XXXX XXXX isn't listed on my credit report, XXXX XXXX XXXXXXXX, a/k/a " Special Financing Company '' is listed. Indeed, XXXX XXXX XXXXXXXX is a " furnisher '' as described by 16 CFR 660.2 ( c ) because it is an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. I have a copy of the mailed letter ( certified ) and the company 's response. I would like the inquiry removed from my XXXX Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation