BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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 several accounts have violated my rights. 

15 USC 1681 section 602 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 an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Debt Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Upon moving out of my apartment I paid all of my bills and closed all accounts. That includes my cable which I got from XXXX. XXXX said to return the hardware for the cable thru XXXX, which I did. I have the ups receipt to show that I sent all hardware back to XXXX. My credit reports were showing that I owed XXXX {$300.00}. I contacted XXXX and showed the receipt to prove I have taken care of everything on my end. They closed the debt and I waited for XXXX to delete it as well. After trying to get XXXX to delete the debt I have not been successful. I have shown them all the proof I have and still no. I am hoping that this will give me the answers I need. I would like to buy a house and this will not look good to the banks.

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 2023-01-02
Company: CREDIT ACCEPTANCE CORPORATION
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:
Creditor continues to make Errors on money owed And reporting late payments to credit bureaus. This has been an ongoing problem. THIS IS INCORRECT! 
PLEASE HELP ME CORRECT PROBLEM THAT IS NOT CORRECT.

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 2019-12-12
Company: EQUIFAX, INC.
State: CA
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:
the attached letter is regarding a XXXX XXXX XXXX auto loan account i have and making payments on on time with out any delinquencies, the creditor XXXX  XXXX XXXX has reported an inaccurate late payment delinquency for the XX/XX/2019. 
please find attached the letter that after discussing this with them they have changed their decision and made update on the account, but the bureaus such as XXXX, equifax and XXXX  are not updating their reports, please help to have this inaccuracy updated from the reporting agencies thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: CA
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:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: MS
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 WAS TAKEN ADVANTAGE OF DUE TO MALPRACTICE WHILE SEVERAL LAWS WERE BEING BROKEN BY YOUR COMPANY UNDER THE F.C.R.A, THIS HAS CAUSE ME FINANCIAL INJURY AND THIS IS DEFAMATION OF CHARACHTER. I HAVE BEEN DENIED JOBS BECAUSE OF WHATS ON MY CREDIT REPORT. I HAVE BEEN UNABLE TO LEVERAGE MY ASSETS DURING THE PANDEMIC BECAUSE OF WHATS ON MY CREDIT REPORT. I HAVE BEEN DENIED AN S.B.A. LOAN BECAUSE OF THE NEGATIVE, UNDULY AND ERRONEOUS ITEMS 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 2023-01-02
Company: TransferWise Ltd
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had an account with Wise. There is about $ XXXX USD in the locked account. $ XXXX is currently in the balance which I was trying to send to my bank account, from which they took 2 weeks to " review '' the transaction, and then today they closed my account. The other $ XXXX is in the account, but will not show up in my balance due to them not completing their " review '' which is what support told me. So there is $ XXXX in that account which has now been locked with XXXX reasoning. I'd like to get my money out to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
*I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. I am filing this for myself and not anyone else.

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 2017-04-06
Company: Stellar Recovery, Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I never had an account with XXXX. I never lived at the reported address. I sent a letter asking to verify that this account was mine and nothing was sent from the credit repoting agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My accounts : Checking : XXXX Joint Savings : XXXX Personal Savings : Ending in XXXX Have been blocked for almost 2 months now. In total it is {$2000.00} that has been blocked with no end in sight. Citibank has sent a letter stating that the accounts will be closed on or before XX/XX/2022. That day has come and went, with no more information. 

You should be ashamed that you are playing with peoples livelihood. We have bills to pay and we cant because the company is refusing to help us.

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 2023-03-01
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$82.00} UNKNOWN XXXX {$30.00} XXXX XXXX XXXX XXXX XX/XX/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 2022-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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 had two accounts with Capital One and I sent my payments on time every time with automated payments. For some reason they moved the payment from this account to the other account. So, there were two payments made on the other account and none on this one. When i called and complained they fixed the issue in the next month after i received a notification and though they told me on the phone that they would remove teh late notification, they never did. I want Capital one to check both accounts and verify what happened and then correct the error in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter in the mail in XXXX from PHH confirming an escrow refund to me for {$1000.00} which would be mailed separately. Because I never received anything as I was out of town, I call PHH on XX/XX/XXXX and I was advised check was already mailed and to give it some extra time. Nothing was received so again I called back on XX/XX/XXXX for a new check and was advised that a new check couldn't be provided until after XXXX which is 30 days from when the original check was issued. I called back on XXXX and was transferred to an escalation manager which said they would call me back in a few days because the treasury department had to do some research then get back to me. As of XX/XX/XXXX, still NO CALL back so I called PHH again. I was transferred to another escalation manager ( XXXX - XXXX ) which stated that someone did call me but was transferred to my voicemail yet I received messages/ calls. I was then informed that the " check '' was cashed. I advised it wasn't by me and that this is now a stolen check because I have been out of town due to my mothers death. I was asked to question the 2nd party on my account ( XXXX XXXX, my husband ) but unfortunately for PHH that was not an option because he's been out of town with me as well for my mother 's funeral / passing. I was then advised that an email was sent to me to show where check was cashed and to confirm signature which I never received. I asked to have this email resent to me and of course still nothing! At this point I feel like I'm going around in circles and would appreciate nipping this all in the bud. It's easy to nag me when a payment is due but I swear it's worse than pulling teeth to get what's owed to me! Please have this resolved immediately. Whatever check was originally sent was NOT cashed by myself or husband and any proof needed can be provided. Please have check reported as stolen and PLEASE send me my escrow refund, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATEOR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDITREPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Qualified for a CARES act defferal, 6 month option, and resumed making payments in XX/XX/2020. ( Tenants did not pay rent for 6 months ). Now owe more money on my home than when I started given I could not afford to remake payments. Wells Fargo capitalized principal AND interest at the end of the mortgage, which was not fully disclosed. Also, now Wells Fargo will not refinance since I still am in forbearance and other lenders also have told me they will not refinance the loan because they can tell we used the forbearance on credit score ( mortgage balance went up ). I have made payments on time since XXXX, and was always current previously. Finally, since I have a larger loan balance, I am worried the bank is now charging me more interest than before given the capitalized interest from the deferral period ( also not clearly disclosed in CARES act documentation ). If I had know the information and that I would owe more than before, I may have made a different choice despite the financial strain for those 6 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please see attached of credit report showing inaccurate accounts. Please see the violations and remove. As per Fair Credit Reporting Act and Amendments 4 and 5 of the Bill of Rights of the Constitution for the united states of America, I am entitled to see the origin of the information, which is the original contract or writ of inquiry that contains my signature or a judgement authorizining the reporting of inquiries on my estate 's report for the Fair Credit Reporting Act does not limit constitutionasl provisions. Ignorance of the law is no excuse from the law. 
At present it is required that upon your failure and inability to validate the following inquiries and with a writ of inquiry or letter of authorization or letter of attorney each bearing original wet ink signatures from myself the Executor, the information is to be deleted and expunged from the consumer credit report within 5 calendar days. Notice of intent to lien for constitutional violations and criminal racketeering violations as per 18 U.S.C. 1962 and 1963 pursuant to 15 U.S.C. 1 & 3 & 13.

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 2017-05-04
Company: DISCOVER BANK
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: Was not notified of investigation status or results

Complaint:
DISCOVER did n't replying in a timely manner to my letters, or have they to date after  4  certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that th ey may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( o r in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am have a pending lawsuit against  XXXX ,  XXXX   &   XXXX  for not investigating nor responding to me as well, and taking no action when  Discover  did not reply.     I tried to sue already but I had put the wrong reason I was suing on court documents so I have a new pending litagation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
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:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Update this account to paid as agreed/never late because I paid on time. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: American First Finance, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX  I purchased couch pre approved told payment would be XXXXXXXX XXXX not {$190.00}. For a XXXXXXXX XXXX couch if they had interest it would be over XXXX XXXX interest they call it non return lease and won't negotiate price in past for {$3000.00} purchase payments where less than now they are wrong in technic and wrong scamming with so called lease misleading gouging and the computer glitches couldn't see papers signed they were behind counter I also paid XXXX XXXX cash no reciepts for delivery from them leg broke during set up how is the intent gouging with a lease u can't return. Financed though American first finance from XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
imcorrect personal information about my self in my credit reports that cause me to fear for credit fraud and identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions 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 recently reviewed my credit report and found the following unauthorized credit inquiries reflecting on my recent credit report. I did not personally apply for any of the banks and lenders below. Please Delete the listed inquiries from my credit report promptly. Thank You. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/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