BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
The company was asked to investigate and validate the accounts that are being reported to the credit reporting agencies. They failed to do so within the guidelines of the FRCA and FDCPA federal laws. I have been reaching out for months with no to minimal responses that were delayed and avoiding sending any information that has been requested. The information currently listed is inaccurate and has yet to be validated to provide accuracy. It is affecting my overall financial stability due to my credit score showing false reporting. Please see the attachments to this comment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found a account from Capitol One on all three of my credit reports as delinquent. I only have one Capitol one card on my report which belongs to my mother and I am a authorized user. This other card credit limit {$300.00} I have no knowledge of and have been disputing it for about three months now. I disputed with all three credit bureaus, I filed a complaint with the XXXX as well as with Capitol One. I received a letter from Capitol One on XXXX XXXX, 2019 stated that they performed an investigation and confirmed that the account ending in XXXX was opened online and after the performing their review they believe the account belongs to me for the following reasons. ( 1 ) The contact information used to open the account has been linked to me by public records. 
A- My address B- My Phone Number C- My ss # and date of birth There for I'm left with a negative mark on my credit from a card I never had nor asked for. On XXXX XXXX 2019 I saw on the news that XXXX year old XXXX XXXX hacked capitol Ones system. There was a data breech with Capitol Ones system and 100m affected in the U.S and 140k social security numbers was compromised. The information that was stolen was Names, addresses, zip codes, emails, dates of births. The same information that Capitol is stating they used to connect this account to me. Im not stating that XXXX or whom ever she was connected to is the cause of my problem with this company, but I do know that I never applied for this credit card and NEVER used it. There for I should not be responsible for it and my credit reports should be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wakefield & Associates ( account # XXXX/ {$1000.00} ) is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA

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 2023-01-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 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 OFFICE OF THE ATTY GEN 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: MO
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:
I received a apology from XXXXXXXX XXXX XXXX XXXX for making the error. They sent me a letter stating that my payment was on time. And they did not report a late payment to the credit bureaus. XXXX just dropped my score around a XXXX points when a late payment never happened or was reported to them. This is ridiculous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
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: Credit inquiries on your report that you don't recognize

Complaint:
I was a victim of identity theft! I filed a report with identity theft.gov. I have unauthorized inquiries on my credit profile across XXXX and TransUnion. This is a violation against the Fair Debt Collection Practices Act and violation against my rights as a consumer! 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: LA
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:
Per FCRA section 15 U.S.C. Sec. 1681i the bureaus are suppose to investigate in a timely matter, let me know they are investigating and respond before 30 days. I've sent letter after letter after letter since XXXX and still there's no word from the bureaus. There nothing but inaccuracies all over my report and they are not trying to fix it nor delete. I'm really upset because it's stopping me from doing what I need to do for my family when it comes to credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
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 account was used by a relative whom I didn't loan the card to and needs to be taken off of my credit report. 
XXXX XXXX TransUnion XXXX Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Individual Account Status : Derogator Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$660.00} No. of Months ( terms ) : XXXX High Credit : {$660.00} {$0.00} Credit Limit : {$500.00} {$500.00} Past Due : {$660.00} {$660.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/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 2020-09-23
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Charge for {$29.00} on XX/XX/XXXX appeared on my Discover Card statement for Payment Protection, a service I never signed up for. I contacted Discover who agreed to credit this amount and the past 6 months of charges for this which amount to {$20.00}. I was then informed that I have been a member of this program since XX/XX/XXXX. When asked why i haven't seen any large charges I was informed it is because I keep a lower balance on my card. I feel I should be reimbursed for all charges related to this since I was signed up, without my knowledge, for 17 years. I also see Discover card settles a class action suit on this back in XXXX for which I was not a part of as I was unaware of the suit. I also have never used the " benefits '' of the plan as I was unaware I had it. I also would never have used the plan as I never had need to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: GA
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance Owed : {$170.00} ; ( Original Creditor : XXXX ) XXXX Balance Owed : {$160.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5400.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have tried disputing the reporting of my mortgage with Transunion several times and the most recent attempt does not even show a result. It was submitted in May. It is reporting as 60 days past due on only the Transunion report but with a history of never having a payment 60 days past due. The other bureaus have it correctly reported as current. The loan is under forbearance and, therefor, should be reported as current with no late payments. I confirmed this with the lender by phone, already. I simply can not get anyone at Transunion to fix this and I am trying to refinance my mortgage so it is making it impossible. Every day that this stays on my credit I am losing money I don't have.

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 2023-05-06
Company: EQUIFAX, INC.
State: IN
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. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

There are multiple mistakes between the 3 credit bureau reports. 

Last payment dates are wrong Closed account dates are wrong The Collection Agency name is wrong XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: IA
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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: OH
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 Reporting act. The list of names below has violated my federally protected cunsumers rights to privacy and confidentiality under 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, DPT EDXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 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 funish a account without my written instructions 15U.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 explanation
Consumer complaint received 2023-03-22
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company is Amerihome Mortgage LLC. I was in a forbearance for XX/XX/XXXX to XX/XX/XXXX. I was reported late to the credit bureaus on payment for XXXX and XX/XX/XXXX. I was told to start making payment XXXX XXXX, so I called in and made XXXX payment over the phone for {$4000.00}. In XX/XX/XXXX I was told my payment increased by XXXX for taxes my mortgage company had paid. I am XXXX XXXX XXXX XXXX, so I am exempt for property taxes in TX. For XXXX months I called my mortgage company and informed them that I am tax exempt. I called in XXXX and made another payment and also in XXXX. The mortgage company never applied my payment to my loan. They were in suspense. I was told by the mortgage company that they would put my payments on hold in XXXX in order to investigate the property taxes they said they paid. I was never notified of the outcome of the investigation, but now they are reporting me missing payments XXXX and XXXX days late. I spoke to a rep on XXXX XX/XX/XXXX and she saw wete payments made, but nothing credited. Now I recently sold the home and now I'm trying to obtain and now mortgage and they are seeing that I have late payments for my past mortgage. I kept in communication with the mortgage company, but they failed to keep me informed. They kept calling to tell me my payments were due, after they told me they were investigating the situation, but never called to say it was resolved. I've been living in a XXXX for almost a month waiting to close in a home and now I probably will lose this home because of the information reported by my previous mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I filed the first of myriad complaints with you over Barclays. Today its my birthday. To this day, XX/XX/XXXX, Barclays has reported to the CFPB it has closed my account as requested and even said 1 ) it would no longer send me account notices and 2 ) even agreed ( as recorded publicly here ) to refund my full {$99.00} XXXX. This was quite some time ago. I believed they meant it and felt wed received resolution. 

Since they told you this, they have sent two more letters to my home telling me my account is slated to receive some sort of electronic correspondence. Obviously form letters. I actually replied to the first one. I mailed it back, told them to stop and to send me the check. Today ( my mail is sent to me on the road from my permanent address ) I received a rude birthday letter of the same spam. Three weeks ago this was sent and no other correspondence. Obviously Barclays had no intent of mailing a check. I am entitled to at the very least a prorated refund. They stated I would be sent a whole {$99.00} one. Im now leaving the country again in 2.5 weeks and still do not have that money. Im considering small claims action to make the point. 

Id rather them stop lying.

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 2019-08-22
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
CitiMortgage transferred the servicing of my loan to XXXX at some point and failed to notify me as required by regulation and law. The company has long had the means to reach me and consistently sent me emails and their attorney 's have my mailing address. 

Moreover, CitiMortgage is suing me in Florida 's XXXX XXXX XXXX XXXX, Case No. XXXX. For the past 4 months my attorneys and I have asked for a detailed accounting of all the charges they've assigned to my loan. To date CitiMortgage and its attorneys have failed to provide this information which I am entitled to under the law. I have written countless emails disputing the payoffs amount they have sent to a third party. However, their lawyers will not release the details of the charges added to my mortgage loan. 

Finally, CitiMortgage and its attorneys released my loan information to a third party without a written authorization signed by me allowing them to publish and share this information with a third party. While willing to share this information with a 3rd party they have failed to provide me with a detailed accounting of all the charges and fees they have added to my mortgage loan. 
In short, CitiMortgage has engaged in deceitful, unscrupulous and unlawful conduct regarding my mortgage loan and I am requesting that your bureau investigate and censure them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is a problem with XXXX, Transition, and XXXX, and any other credit reporting agencies, not the credit card company. 

The issues is that these credit reporting agencies are failing to properly disclose legitimate details for the XXXX XXXX XXXX ( copyrighted ) service. These companies refuse to acknowledge the function that " XXXX '' serves in that you can take up to ten larger purchases and spread the payments out for up to 12 months, for a set fee. When that occurs, the Actual balance is less, but there is a total balance that " can - and will be '' significantly greater than your credit limit. I will show an example, in a second. 

These agencies fail to show XXXX " XXXX XXXXt '', as separate loan, or separate line item. In doing so, they just report balance over limit by thousands of dollars and ANYONE looking at that rejects you for further credit say a car loan, or a cell phone. 

These credit agencies are working in the XXXX 's with a fax machine, they need to educate themselves in modern-day XXXX century finance and stop recklessly damaging peoples credit with misleading misstated information. 

This is how it works, let 's say your credit limit is XXXX. You buy a roof for the house XXXX - put it on plan it 12 months, XXXX a month plus the fee. The charge comes off, your daily running balance is XXXX, but you " Do-Have '' a total balance ( XXXX ) plus that fee. 

You then build a garage, XXXX, you had a XXXX balance on card, no problem, XXXX plus XXXX XXXX balance due, you then put the garage on a plan it, XXXX plus the fee for 12 months. 

Your balance due now is XXXX plus the fee, and your Aggregate balance due is ... ... ..XXXX + XXXX= XXXX ... .Bingo!!! they report you over your limit. 

The credit agencies Must change immediately to stop false misleading reporting. Every one knows there is NO-WAY a credit card company will allow someone to grossly exceed their credit limit. 

Please get them to change their reporting and stop the misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation