BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made frequent payments on my card to keep current due my usage. The beginning of XXXX I made a payment of XXXX and Capital One restricted my card for payment. I contacted Capital One right away to verify payment along with 10 additional calls over the past month XXXX to clear my account. I have yet to get resolution and was informed the fraud management specialist would contact me. I have not heard anything. I called again XX/XX/23 still no resolution. Now my card is reported negative on my credit report for delinquent payment and this unacceptable. Poor business practices within Capital One especially when I am contacting the company to resolve snd continue business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: NY
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 writing today because I am stressed out and tired of the futile efforts of disputing with Experian. I have brought to their attention since XX/XX/XXXX when I received my credit report and saw inquiries that were never authorized by me and I have no knowledge of. I tried resolving it with Experian, until today, XX/XX/XXXX and they have ignored all of my requests even after sending an FTC report that they requested ; they are violating my rights. I will be attaching all documents, thank you.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am a co-signer on my daughter 's loan. I have been in bankruptcy for 5 years, therefore the loans have been in deferment. My bankruptcy ended in XX/XX/XXXX. In XX/XX/XXXX, I began receiving bills and I submitted a consolidation for the loans. However, last month in XX/XX/XXXX they began showing up and not included in the consolidation. I began calling and e-mailing Navient. No one would explain to me that they were private loans and were not included in the consolidation. Finally, around XX/XX/XXXX I was told that they were private and they were delinquent and I had to speak with collections. When I called collections I was told that I was the co-signer on only one loan. I replied, why can I see the other 2 loans as well. I was told that they would not discuss the loans with me that my daughter had to call. My daughter called and they gave her the run around, as well as being indignant with her. I called back the next day to customer service and I was told that I could pay {$50.00} on the one loan and request a forbearance. I paid the {$50.00} on XX/XX/XXXX and the loan is still showing delinquent. I have called everyday about the loan and I have told that it take 2 to 3 business days and it will clear up tomorrow, or the next day.. As of today, XX/XX/XXXX, it is not in good standing and I am not going to file a forbearance on the other loans until this is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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.

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 15 U.S.C 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 U.S.C. 1681s-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 2019-11-13
Company: SOUTHPOINT FINANCIAL SERVICES, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, I went to closing and closed on my house using SouthPoint Financial Services Inc as the mortgage Brooker, few months after closing in XXXX of 2018 I received a call XXXX XXXX my then loan officer stating that there was an issue with the mortgage and it can't be sold because my dad ( co-Borrower ) already has an FHA loan and one person can not have two FHA loan. I asked how is that possible and why wasn't that something they would have caught during underwriting before we got to closing, he stated that he doesn't know and we need to try and fix this issue. During the process of obtaining the loan through SouthPoint, i was told by XXXX XXXX that i need a co-borrower and i ask if i could used my dad and he stated yes. I provided all my dad 's information to XXXX and explained that he filed bankruptcies over 10 years ago and that he did own a home with my mom that they are currently living in, long story short, FHA has not Insured my mortgage and my home is not showing on my credit report., Its been over a year and SouthPoint has not attempted to help with this matter, despite the fact that I have been paying my mortgage to SouthPoint and they have been cashing my checks every month with includes my escrows, they have not paid my county taxes, they have not sent me a detailed statement which I have requested on several occasions. I was also told that we committed fraud and that I need to refinance the mortgage in order to take my dad off the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: CREDIT ACCEPTANCE CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
In Accordance with the fair credit Reporting act XXXX XXXX XXXX  Account # XXXX 15 USC 1681 Section States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It states a consumer furnish an account without written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card a open-end consumer credit plan as late for any purpose.

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 2023-01-06
Company: Westlake Services, LLC
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:
XXXX has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that XXXX provide me copies of documents bearing my signature to verify the status of the disputed account. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account below should be deleted : WILSHIRE CONSUMER CRED XXXX Open Date XX/XX/2014 Balance : Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Something calling itself Comenity Bank calls at least half a dozen times a day. We believe that this relates to my wife accepting a  XXXX  credit card sometime back. She paid her balance and cancelled that card. Now this Comenity Bank is alleging that other vendors ' cards have been used to charge purchases ; however, neither my wife nor I have accepted specific vendors ' cards. We hold generic  Visa, Master Card, and American Express c ards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that XXXX XXXX XXXX remove and delete this fraudulent account because used my personal information to open this account without my permission. My rights have been violated by XXXX XXXX XXXX. Please remove this fraudulent account immediately from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting 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.

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 inructions 15 U.S.C 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 U.S.C. 1681s-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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had received several calls multiple times per day about this account. I had adv the company multiple times this was not my debt and would like to dispute. I advised the company the address they have on file was not my valid address and I have never had there service. They told me I don't know why you are trying to run away from the debt they will set up a payment plan for me to pay or else will forever remain on my credit. 
I asked the company to provide me with the following to validate the debt : Please provide the following : Agreement with your clients that grants you the authority to collect on their alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor Any insurance claims made by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file for alleged debtor Alleged account number, Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting alleged debt. 
Commission for debt collector if collector if collection efforts are successful. 


On XX/XX/XXXX or XX/XX/XXXX I sent a certified letter to the company mailing address. They received and picked up the letter and signed for the letter on XX/XX/XXXX. I asked in the letter to validate the debt and asked for several pieces of information to be provided to me. They have yet to validate the debt and prove the debt is mines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My bank account for Huntington was compromised I made a police report closed said account opened a new account and because I was a victim of fraud they will not open another account black listed me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I did a quote online with XXXX for auto insurance. I was finalizing the quote on it said that the total amount for 6 months was {$1400.00} and the down payment was XXXX. This info is also in the email. When I attempted to make my payment of XXXX, the system said there was an error with my debit card and to try again. So I checked my card #, exp date, and CVV code. They were all correct so I attempted a 2nd time to make a payment and got the error message again. Do I went on the Bank of America ( BOA ) mobile app to check my balance only to discover that XXXX debited my account for XXXX. I called twice and the reps told me there was no problem and no previous balance. The rep said if he did the quote over the phone, it would be a different price and to try it again online. I didnt want to risk them taking another payment so I called back and got another rep. I asked why they drafted a payment of XXXX. He said it was from a past due payment from XXXX. I told him I had no knowledge of that info because I had not received any information regarding a balance and that info was not currently on my credit report. I asked him to reverse it because I needed to get insurance and he said they were unable to. I told him I would dispute it with the bank and he told me good luck with that. On XX/XX/XXXX, I called BOA and disputed the XXXX. They did a temp reversal of XXXX half. I called BOA again and disputed the other half since I did not get insurance with XXXX. BOA did the dispute and said it could take up to 60 days for a response. On XX/XX/XXXX, BOA did a reversal of XXXX and closed the dispute. Per my XXXX credit report update on XX/XX/XXXX, there is no collection from XXXX nor have they contacted me about the balance they say is due. I would like my money refunded. I can send emails from XXXX and not once was a past due balance mentioned. I can also send screenshots of my bank info.

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