BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
See prior case # XXXX and attached XXXX response As noted in my prior case, I am still missing over {$50000.00} initially deposited with XXXX on XX/XX/XXXX via my ACH transfer from my Capital One savings account. When I initiated another transfer of {$75000.00} between the same two accounts due to XXXX 's higher interest rate, that transfer caused XXXX to flag my account as potentially fraudulent, and will take up to 60 days to close my account and return my initially deposited {$50000.00} plus accrued interest. 

In XXXX 's attached response to my prior complaint received on XX/XX/XXXX, it suggests that I notify Capital One to initiate a request for the return of my funds ( please refer to attachment for their exact verbiage ), so this new complaint is doing just that and as suggested by a CFPB rep to me this morning via phone -- I request that Capital One initiate a request of XXXX to transfer my full account balance with all accrued interest thru account closure date to my Capital One savings account. 

XXXX 's lack of transparency in this matter has been appalling, and since my account has not been closed yet as confirmed by XXXX, accrued interest is payable thru account closure date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 address a matter of urgency regarding late payments that have been inaccurately reported on my credit account under your bureau. 

Upon reviewing my credit report, I have identified instances of late payments that I believe to be inaccurately reported. I understand the importance of maintaining accurate and up-to-date credit information, and I am committed to ensuring the integrity of my credit history. 

I kindly request that you investigate and, if necessary, correct or remove the reported late payments from my credit report. I believe that these inaccuracies do not reflect my true financial history and are adversely affecting my creditworthiness. 

XXXXXXXX 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 myself or XXXXXXXX XXXX XXXXXXXX. customer service representative. XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

Enclosed with this letter, please find any supporting documentation or evidence that may assist you in your investigation. 

I am confident that your organization values accuracy and fairness in credit reporting. Therefore, I trust that you will take prompt action to rectify this situation and ensure that my credit report accurately represents my financial responsibility. 

I appreciate your attention to this matter and request a written confirmation of the corrections or removal of late payments from my credit report within 15 business days from the date of receipt of this letter.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;

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 non-monetary relief
Consumer complaint received 2018-08-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
An auto accident occurred in XX/XX/XXXX due to negligence from another driver. The driver was insured by XXXX XXXX XXXX who agreed to pay all medical bills. The billing party ( medical company ) did not submit an invoice for payment until XX/XX/XXXX, over 2 years from the date of service. In speaking with the medical company, it was reiterated that all medical bills were to be paid by XXXX XXXX XXXX, who at that point had settled the claim. This medical company submitted all other invoices correctly to the insurance company for reimbursement except this one particular invoice. This bill does not to belong to me and is the responsibility of XXXX XXXX XXXX ; the medical company is to blame for the lack of submitting invoices in a timely manner.

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 2022-02-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
Upon pulling my credit reports, I noticed a company, Fair Collections and Outsourcing, placed an account in the amount of {$3100.00}. I disputed this information as I thought it was inaccurate. After receiving the validation the sent. I reached out again to inform them that this was not my account. The company never responded and the validation didn't have any proof of signature or identification that matched mine. I'm unclear if it is a company mistake. I believe this is identity theft and would like this promptly removed from my credit files. This account is hindering my credit health.

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 2021-04-12
Company: Dovenmuehle Mortgage, Inc.
State: OK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020 I called Dovenmuehle Mortgage to update them on my XXXX veterans property tax exemption, it took till XX/XX/XXXX for them to correct my escrow accounts, then they sent a property tax payment to my county treasurer anyway even though I did not owe anything, fast forward to XX/XX/XXXX I called and they told me they sent me the tax overpayment out to my address on XX/XX/XXXX, when I didnt receive the check I called them back and they told me they deposited in my escrow account but would do a analysis and send me the overpayment, Ive been calling them every week and they keep telling they have expedited it and it would be resolved, called again today and still telling me they will fix it and expedite it, for seven months of dealing with there lie after lie I can only assume there trying to hold on to it for as long as they can since they make interest on it and I believe that is illegal, not illegal to make interest off my escrow account but to make interest off my money that dont belong to them, ( XXXX $ ) is what they owe me.Hopefully you can help resolve this for me thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, 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:
I have one student loan but it appears six times with different balances, two smaller amounts from the school that I never applied for a loan from them, or agreed to pay them any money, and then my student loan balance appears 4 times each claiming 120 days past due, the loan is ten years old and it was my belief that your credit report could only go back three years, but if the same company regularly reports that your 120 days past due every 120 days how is something suppose to ever fall off a credit report as the passers of the law intended if I am not mistaken. And then to have the same loan listed six different ways. It should be one strike on my credit if they go back 10 years but if they can only go back three years the student loan is from like XXXX  I believe so the debt is XXXX XXXX XXXX. I think my credit report should reflect that not make it look like it is a brand new balance every 120 days.

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 2022-02-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested to get my credit file pursuant to 15 USC 1681a ( a ) ( g ) in 2021 and i still have not received it.

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 2021-04-14
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Hello - I have completed multiple disputes with Experian, XXXX  & XXXX to remove all accounts with Account # XXXX - XXXX XXXX XXXX/XXXX but always get 'Updated ' result. They are ALL Closed and still showing on my credit file. These all opened starting at XX/XX/2003 & have been closed over 8 years with XXXX balance. Please have the bureaus delete these accounts as there is no contract or balance.

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 2022-12-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report +Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$650.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-03-27
Company: EQUIFAX, INC.
State: MD
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:
XX/XX/22 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau and I got a letter stating They do not report any bankruptcies to anybody So if thats the case, how did the credit bureau verify this bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section ( 3, E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit Bureau violated my given right under 15 USC 1681 According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy According to : 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 According to : 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 2018-08-16
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have multiple student loans that were consolidated with Navient. After struggling to make payments I chose a deferment on my account. Once the deferment was over 1 payment would come out every month automatically but apparently another wasnt set up for autopay. I did not know I had missed multiple payments until they started harassing me about my account. Because I had missed multiple payments of 400 or more dollars a month I was unable to get caught up and my loan defaulted. So now I am rehabilitating my loan to get it out of default and hopefully off of my credit report. As soon as I am done rehabilitating my loan I will be switching companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Lending Club Corp
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021 the loans ( 2 of them ) were paid in full. The online account reflects this as paid and customer service also confirms this. The full balance of the loans still appear on all 3 credit reports as of XX/XX/2021. The credit bureaus have confirmed the last time Lendingclub reported was XX/XX/2021. When I spoke with XXXX on XX/XX/2021 he confirmed they normally don't report the paid in full balance once paid off. I have to submit a request to have the company report the {$0.00} balance to the bureaus. I do believe federal law requires the loan company to report correctly once paid. They are refusing to do so. I now have close to XXXX sitting on my credit that I do not owe.

Company response to consumer: Closed with explanation