BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have called the CC ( Capital One XXXX ) company 3 times to help me reduce the payments and the APR since I was not working during COVID. They did offer me no payments without fees for 2 months but DID NOT advise me that the interest would still acrue.

SO I opted to go one month without a payment.

I have NEVER missed a payment or been late as long as I have owned this card. 

On XX/XX/2021 I requested a lower APR as it was increased without my knowledge and now my minimum payment is more than previous. 
I was advised by the Representative ( XXXX XXXX that she would not lower my APR and the bank was not lowering anyone 's APR during this time. 

I am desperately making a good faith attempt to payoff this card in a lump sum payment and the company will not hear of it. I do not want to file bankruptcy for one credit card. 

Lowering an APR does not seem unreasonable. MOst of this card is interest acrued

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: GA
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 is reporting information on my report without properly verifying. I kindly ask that they use the guidelines of the 609 section in fcra and they failed to do so I also did not receive any documentation that show that the information is actually what it is. The company did not send me the information they used to make the items i disputed mine. They are required to have that information on hand and provide it as proof when I ask for it, exercising my writes using section 609 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: FL
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have tried Several times to Dispute inaccurate information with Experian which Experian doesn't reinvestigate my dispute and fails to provide proof of their findings I am asking for Experian To reinvestigate and delete the negative information and the accounts that were fraudulently opened in my name Accounts 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 2023-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I recently was denied my claim of Unemployment Insurance fraud concerning the use and spending of the amount of {$2900.00}. This amount was to be paid to me during the XXXX outbreak where citizens were ordered to stay home and and no non essential travels in the state of Nevada. My Unemployment check was hacked by an unknown user and my funds were never received. Their claim is that I activated the card, so therefore I'm responsible for the charges to this card, of which was never used! The Fraud department hung up on me when trying to dispute their findings!

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 2020-01-16
Company: Collection Management Holdings, LLC
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wife was admitted into XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX in XX/XX/XXXX. She completed her treatment and I was told my insurance would fully cover this treatment. 

On XX/XX/XXXX I received a notice from Credit Management Company on XXXX that I had an outstanding balance of XXXX dollars. Prior to this I did not receive an invoice form XXXX XXXX XXXX of XXXX Az. I attempted to contact XXXX. and I was unsuccessful. XXXX  doesn't publish any telephone number or addresses for contact info for account receivable. Though they have 24 hour reception for intakes patients. 

The collection C.M.C. account # XXXX. 

Upon contacting my Insurance I was informed that XXXX XXXX XXXX XXXX paid the balance in full on XX/XX/XXXX. XXXX XXXX account # XXXX, Claim # XXXX. Note, XXXX XXXX XXXX XXXX was either bought-out or is a subsidy of XXXX XXXX XXXX. Moreover I was informed that the billing was not properly submitted by XXXX XXXX XXXX XXXX. Because I didn't get any help from XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX It took about a month to clean this mess up with my insurance company. 

Upon receiving receipt of payment I notified C.M.C. and they refuse to discharge me from this debt. Thereupon I FAXed a copy of my insurance documentation that XXXX insurance paid the full balance to CMC to XXXX XXXX, the supervisor, on XX/XX/XXXX. The cover sheet contained all of my contact info, email, telephone, and etc. with a request of an acknowledgement of this FAX. None was received. 

I have called CMC numerous times and as of yet Mr. XXXX XXXX has not responded not has C.M.C. discharged me form this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is incorrect personal information 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 explanation
Consumer complaint received 2021-09-22
Company: Freedom Mortgage Company
State: PA
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 30 days late as reported in 3 Credit Bureaus. I have read enough to understand my rights. The late history should not be showing late because I think I paid on time. The Bureaus are attempting to violate this clear understanding, please reinvestigate the whole information especially the account status, balance, and comments. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2021-03-19
Company: Experian Information Solutions 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:
Experian is taking brief snapshots of the credit balance on my credit card, even though I have been paying off full balances within 2 days, before the " due date '' ( in order to keep our score high ), and " reporting '' it as " an event '', which apparently is driving down my FICO score, if only temporarily. 

They are then using this very short term cc balance increase ( that I pay off almost immediately ) to put downward pressure on my FICO score, to apparently try and sell me services which will help to improve my score. 

I received this alert on my cc balance ( that existed for maybe 2 days ) 1 day after I had paid the full balance. The alert was received on XX/XX/XXXX. 

They have a major conflict of interest built into their business model and this I would like to see changed. Thanks, 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 2023-06-14
Company: EQUIFAX, INC.
State: IL
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 recently submitted a request for an investigation of the disputed accounts, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the accounts from my file. 
XXXX XXXX XXXX  XXXX XXXX Balance : {$15000.00}, XXXX XXXX XXXX Balance : {$390.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Hey I'm just checkin to see whats going on with my dispute? I thought I would get an answer with 45 days but I dont have no clue of whats going on, i'm XXXX XXXX SSN # XXXX let me know what's going on you can send it to the address on my id.

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 2022-02-19
Company: Experian Information Solutions Inc.
State: PA
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 Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX 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 2019-06-16
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: Old information reappears or never goes away

Complaint:
I have a closed account with XXXX XXXX XXXX for a auto loan taken out in 2012. I had 1 missed payment and voluntarily returned the car. My report still shows current but is reporting up to 24 missed payments totaling $ XXXX due now. I believe this debt is a charge off but is reporting monthly to damage my credit history and by therefore keeping me at a higher interest rate. Please help me correct this intentional injustice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: NJ
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 am writing to file a formal complaint against Experian regarding their repeated failure to address and investigate the errors on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a dispute through USPS Certified Mail ( Tracking # XXXX ), which was delivered on XX/XX/XXXX. Despite the statutory requirement for Experian to respond within 30 days, they continually refused to investigate my disputes. This refusal occurred in responses dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all citing an alleged belief that the disputes did not originate from me, obstructing my rights under the FCRA. 

Moreover, resorting to Experian 's online dispute form, I raised subsequent disputes on XX/XX/XXXX, followed by another on XX/XX/XXXX, and XX/XX/XXXX. While Experian responded on XX/XX/XXXX, outlining their verification process and once more on XX/XX/XXXX, affirming the accuracy of the disputed items, the investigation results were in stark contradiction to my personal communications with XXXX XXXX XXXX. 

Regarding the account from XXXX XXXX XXXX, the credit report fails to capture complete and accurate information. The reporting inconsistencies include the absence of payment history from XX/XX/XXXX to XX/XX/XXXX, as well as inconsistencies in reported balances and missing payment data. Additionally, despite my attempts to resolve this with XXXX XXXX XXXX directly, their responses dated XX/XX/XXXX, and XX/XX/XXXX, were both incorrectly addressed to XXXX XXXX, a name unfamiliar to me. 

In relation to the XXXX XXXX  Bankruptcy, Experian claims to obtain public record information from XXXX. However, a response dated XX/XX/XXXX, from XXXX contradicts Experian 's investigation results of XX/XX/XXXX, indicating that Experian failed to respond to their dispute about the accuracy of the bankruptcy record. 

Attached, please find copies of all correspondence with XXXX XXXX XXXX, XXXX, and Experian 's responses, substantiating my efforts to rectify these discrepancies.

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 2023-06-13
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX PLUSFOUR INC XXXX XXXX XXXX XXXX  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 Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION

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 2021-03-19
Company: Experian Information Solutions 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:
I started a dispute early last year. I have postal documentation showing another dispute was received by the company on Experian XX/XX/XXXX and ( XXXX XXXX XXXX ) XX/XX/XXXX. I received no response other than verified. I called XXXX on XX/XX/XXXX and spoke with XXXX at XXXX requesting further investigation under FCRA section 611. I spoke with XXXX at XXXX on XX/XX/XXXX at XXXX am. I spoke with 3 reps ( ( XXXX, XXXX XXXX XXXX and was ultimately transferred to XXXX in special department at XXXX pm on XX/XX/XXXX. I asked for details other than just verified because there were still discrepancies for the XXXX XXXX XXXX account that was deleted on XX/XX/XXXX and reinserted without notice, XXXX, XXXX XXXX and XXXX XXXX None of these accounts have been investigated properly. I asked for further investigation and received no response. It has been well past the timeframe allotted to update/modify or delete the accounts after a reasonable reinvestigation into the discrepancies.

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 2021-11-10
Company: GUARANTEED RATE INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Guaranteed Rate Loan Mitigation Department Mail XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IL XXXX I am requesting an audit of my mortgage and would like to know why after nine ( 9 ) months, I am still in the forbearance program. I would also like to know what mistakes were made on my file. 
Due to XXXX, In XX/XX/XXXX, I lost my job. I placed my home under the forbearance program at that time. In XX/XX/XXXX, I contacted Guaranteed Rate wishing to begin making payment again. I was told to start making payments, so I did as of XX/XX/XXXX. I have not missed any payments since then. 
I contact Guaranteed Rate at least twice a month, sometime up to four times a month. I have spoken with numerous employees. I have left messages. I have had my account escalated to supervisor more than 15 times and have yet to hear from a supervisor. They do not return my calls. I was told that there was a mistake make on my account and that my file is in underwriting. Ive been told that that my file is with a supervisor waiting for them to sign off. Excuse after excuse. 
I have had NO resolve on my case/file. What is it going to take to get this matter resolved and to bring my home out of the forbearance program? Again, its been 9 months. I have requested to have my payments deferred several times. 
My house being in the forbearance program has made me miss out on opportunities to get my home refinanced to a lower interest rate. Quite honestly, I think its intentional and that the bank wants me to keep paying at the higher interest rate.

Company response to consumer: Closed with explanation