BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$5700.00} ; XXXX  XXXX Balance : {$5600.00} ; XXXX XXXX XXXX  XXXX XXXX : {$5700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please assist with this situation involving Wells Fargo Home Mortgage. Requesting removal of inaccurate information all three credit bureaus because of start/end dates are totally false ; No payment started ( XXXX ) from the first last payment date which lead to the foreclosure ( XXXX ) ; foreclosure is noted to be reported ( until XX/XX/XXXX ) beyond the reporting XXXX year period. 

After numerous attempts, finally spoke with XXXX representative XX/XX/XXXX, about Wells Fargo situation and person stated- XXXX ) the information was reported & verified, and XXXX ) credit bureau do not know why it is beyond the XXXX year limit and XXXX ) it will remain on my credit report ( until XX/XX/XXXX ) because that is what reported by Wells Fargo company . 

I have not been able to make contact with a knowledgeable person from Wells Fargo that can assist me. I have repeatedly disputed the situation over the years and receive a reply of verified and the information remained 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 explanation
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX My XXXX XXXX was totaled. Between The insurance company ( Progressive ), XXXX XXXX XXXX XXXX XXXX XXXX ) .There was a balance of {$880.00} Which I paid. I received the original Bill of Sale from XXXX XXXX stamped PAID IN FULL on XX/XX/XXXX. In May I received a alert on my credit report the the account had been charged off for the amount of {$120.00}. I immediately called XXXX and they said it was a balance due for that amount, I paid it on the spot and the Customer Service rep said that it would be credited immediately and the adverse entry on my report would be removed. I had no correspondence from XXXX XXXX to that notice on my report. I have two letters from XXXX finance who informed me that as of XXXX the account was paid in full, neither said the account would have a charge-off paid statement attached to the file. I also have a recording from their phone system that the final payment was made on XX/XX/XXXX. The delinquincy on the credit reports state that it was delinquent XXXX, XXXX and XXXX, clearly it should be removed for that reason. I have tried several times to have it removed and the credit bureaus side with XXXX with no additional 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 2023-07-10
Company: Experian Information Solutions Inc.
State: AL
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.

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 explanation
Consumer complaint received 2020-02-17
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 we experienced water damage in our kitchen and called our insurance company to file a claim. It was discovered on XX/XX/2020 that our policy was not renewed/paid out from our impound account through Lakeview Loan Servicing, our lender. After numerous calls to Lakeview, with no less than 6 reps that day, we were finally advised that they had our policy renewal date of XX/XX/2020, when in fact it expired XX/XX/2020. We asked numerous times what our options were in this case, we even paid the policy in full out of pocket that day, and were told by Lakeview that they couldn't help us, even though this is clearly their error on paperwork. All loan/escrow docs had the correct insurance renewal date, but there system states XX/XX/2020. Our agent informed us that there should be forced place coverage from the lender for situations like this, and we still have not been able to get any help from Lakeview on getting this set up. Lakeview has been by far one of the worst mortgage lenders I have dealt with, and we are no closer to resolution. We haven inoperable kitchen, fans, and dehumidifiers and zero concern from the lender that caused us to have a gap in coverage.

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 2018-09-01
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a TD bank account which was improperly handled and was changed without my permission from a student checking to a convenience checking account which by there own guidelines I am still eligible for ( the student checking ). 
Because of this I am being hit with approximately XXXX $ every time my account drops before XXXX . This is causing significant financial difficulty because Im on short term XXXX right now and have high medical bills from XXXX I had. I just thought the government should be aware of whats going on with TD and there shady business model with being coninously hit with overdraft fees while being less than a dollar short and multiple fees that are the result of not having enough money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
The company approved me for a loan of {$20000.00} and then proceeded to waste my time by claiming they couldn't verify my identity because I was unable to provide a utility bill at the address where my license says I reside. I gave them a driver 's license, social, and company vehicle registration ( I own the company ). 
I explained that I live with my friend. His parents own the land and the utilities are in his name. They took my information and then reset my application back to as if I had submitted zero documents. I am getting the run around from customer service like I'm not submitting documents properly. 
They " can't verify my identity '' but having a credit card and paying it off on time every time was okay for 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 2023-04-22
Company: CBC Companies, Inc.
State: FL
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:
To whom, It May Concern : Companies listed below we're not authorize to pull my credit and I would like these inquires removed from my credit reports. I've already reach out numeruos times now and they have failed to do anything. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 disputed the referenced accounts below and ask that they be verified and validated and they were neither verified or validated accurately. TransUnion is in violation of many of the FCRA laws which will be brought up in court if the errors are not corrected. Due to TransUnions lack There of investigating I want the accounts removed. The accounts have been reporting inaccurate information consistently and fails to do the right thing. According to FCRA all information must be ACCURATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX inaccurately reporting information and this is a violation of the FCRA and they can be fined or pay fees due to this. 

XXXX -inaccurately reporting information and this is a violation of the FCRA and they can be fined or pay fees due to this. charged off account consistently reporting a balance monthly also XXXX inaccurately consistently reporting information is a violation of the FCRA Credit usage - % credit usage unavailable Balance {$650.00} Balance updated XX/XX/XXXX Credit limit SO Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Professional debt mediation- consumer reporting agency failing to verify and validate also inaccurately consistently negatively updating information is a violation of the FCRA

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 2021-03-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed a dispute with Citibank that was supposed to take ten days to issue a provisional credit or supply me with a result. It has been completely mishandled and I can't even get correct information from the dispute team. They provided me with the wrong dispute number and incorrect information to put on my customer statement that I faxed in. Whenever I called to follow up, they stated that it was being worked on and in process. It was not being worked on because the Dispute back office was never received the information as the dispute number was wrong. 

I spoke with a supervisor on XX/XX/2021 who corrected the dispute number and then gave me the email to send over my statement with the information I needed to have on it. He forwarded the complaint about the handling of this issue. He also sent over an emergency expedite request. The original dispute was filed on XX/XX/2021. The correct dispute number is XXXX. 

I called the dispute line today and I am still getting incorrect 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 explanation
Consumer complaint received 2018-03-06
Company: GOLD KEY CREDIT, INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2018 I received a call from this company. The representative stated their name, I have since forgotten the name. They hung up before stating any information regarding the call - simply their name and they hung up. 

I subsequently called back to see who was calling me. It is rare for me to get a random number calling. I got the same person, and said you just hung up on me - what were you calling about? She then asked who I was. I told her that I just received a call from her number, and the person identified themselves with her name. I'm not sure if the call is for me or not, but I was trying to find out. She said that until I was ready to identify myself on the phone she couldn't help me, and hung up. 
I called again, and asked for a manager. The person that I spoke with this time said that someone could call me back. I stated that I could hold. She said that they don't transfer calls there. So I explained that I am trying to understand the nature of the call that I am receiving. By this point, I had at least been able to XXXX the company to know that they are in fact at least a company with a website, but nothing that I have any knowledge of business with. I gave her the phone number that they called, and the representative confirmed that they were in fact calling for me. I identified that I am in fact the correct party and how can I help them? She then says she can't tell me why she is calling unless I provide my address and date of birth. WHY would ANYONE ever give an unknown person at an unknown company their address and date of birth when they have no knowledge of who they are or why they are calling??? I replied that she does not need that information and again asked how I could help. She refused to speak with me, and I requested no further calls from them as they refuse to state the purpose of their call. 
Upon arriving home I had a letter in the mail from Gold Key Credit. The letter informed me to the purpose of their call. My concern is that due to the extremely unprofessional manner in which they handle themselves, I instructed them to never call me again. A balance could of ended up reported to my credit, simply because the employees are to inept to identify the purpose of their call prior to asking for key personal identification information that most people will not provide without any knowledge of why they are providing such information. Since their managers don't take calls, this is the only avenue remaining for me to voice my concern.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
Company: SYNCHRONY FINANCIAL
State: FL
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:
To whom, It May Concern : Companies listed below we're not authorize to pull my credit and I would like these inquires removed from my credit reports. I've already reach out numeruos times now and they have failed to do anything. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
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:
Check Fraud. 
Payment sent to vendor in the amount of XXXX. Check was intercepted in the mail, washed and dollar amount and payee changed, subsequently deposited into an Bank Of America ATM and funds withdrawn from my account. I have initiated a check fraud claim with Bank Of America as well as filed report with US Postal Inspector and XXXX PD - see attached. I am requesting Bank Of America refund the amount that was deducted ( {$5000.00} ) to my account. Bank Of America failed to provide adequate security procedures and allow this instrument to be presented and negotiated and subsequently paid from my checking account. I have called Bank Of America several times, unsuccessfully in having these funds returned to my account, even though I have provided them sufficient evidence this was due to their actions, not mine.

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 monetary relief
Consumer complaint received 2023-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a {$700.00} payment to my account on XX/XX/XXXX via XXXX. I received a notification on XX/XX/XXXX that the payment had posted to my account. I tried to make an {$16.00} purchase and was denied so I contacted Capital One. I was told that even though my payment had posted on the 8th my funds were being withheld until XX/XX/2023 which is bizarre because I have never had returned payment to Capital One. The FIRST gentleman I spoke to agreed to call my bank and verify that the payment cleared to release the funds. XXXX was closed at XXXX PST so he was unable to complete the verification. I called back at XXXX on Saturday and spoke to XXXX who told me completely different information that no such verification process exists and that my payment was on hold because I had several declined purchases. Well XXXX they were declined my money was on hold. Irate I asked to speak to a manager, XXXX gets on the phone and she has a COMPLETELY different answer to the last 2 gentleman. She said she has no idea why the payment was put on hold. Capital One does this to make sure that their funds clear. Its " 2023 this was an XXXX transaction not a paper check. The funds not only cleared the next day Capital One sent me a notification that the payment posted to my account. I am lived because Capital One has improperly held my payment after they have already received the money. There was no notification WRITTEN or VIA TEXT that my funds would be unavailable I had to call in to find out. What if it was an emergency?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Continental Finance Company, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled & paid off a debt owed for my XXXX credit card back in XX/XX/XXXX with the debt collection agency at the time. The company name was XXXX XXXX XXXX, XXXX. The account was discharged and released off of my credit report. 

In XXXX, XXXX XXXX XXXX acquired my information from XXXX XXXX XXXX and began harassing me about the same debt which was paid in XXXX. XXXX XXXX XXXX applied a derogatory mark on my consumer report for collection of this same paid-off debt. My credit score dropped XXXX  points due to this. I am currently trying to resolve the matter with them but they are not responding swiftly or with any sense of urgency.

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