BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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 have credit monitoring thru XXXX  due to the XXXX breach. Someone has been applying for credit recently in my name. One of the creditors applying for my credit report ( XXXX ) has verified that they had an inquiry done in my name and has had me fill out paperwork to have the inquiry removed from my report. CapitalOne Bank, however, has had two hard inquires into my credit reports, but maintains no records of the inquiry, so they tell me, and therefore I can not process the removal of the fraudulent inquiry from my report. The fact that the data submitted to the credit agencies seems to be fraudulent, but I can not verify that because CapitalOne does not maintain records of failed credit attempts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 dispute these and it gets me no where, even on the website it wont let me, these are not my accounts, I am working hard to get my account in shape and its steadily adding these accounts from someone else! 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$750.00} XXXX XXXX Authorized User XXXX $ XXXX XXXX Authorized User XXXX $ XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX-auto Inquiry from XX/XX/XXXX + Misc . 
XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Retail, Not Elsewhere Classified XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/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 2023-09-27
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX is in violation of the FCRA. XXXX XXXX XXXX XXXX is reporting negative inaccurate information on my credit report. This is NOT my account, it is reporting negatively on my credit report multiple times. The report shows this XXXX XXXX opened XXXX, XX/XX/2021, all of the posts on my credit report have an account # XXXX. This is not my account and needs to validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XX/XX/XXXX, Experian gave my credit report to XXXX XXXX XXXX XXXX who did not have permissible permission. For 5 years, I have repeatedly requested the copy of the permissible permission used by XXXX and Experian. This led to a loan that I did not sign nor have possession of the vehicle. XXXX and Experian sent the attached undated and incomplete application as proof of permissible permission that was even completed after my credit report was pulled. I constantly requested the valid permission used by Experian who just passes the buck to XXXX and who then constantly replies - " At your request to conduct a reinvestigation, we contacted the data furnisher ( s ) or public record ( s ) vendors and asked them to verify the accuracy of the information with which you disagree. They responded and stated that the account is to remain as is. The result summary was sent to you on XX/XX/XXXX for review. ''

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 2023-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions.

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

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 2022-04-18
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:
Despite the several written requests that I had sent, there were no changes done on my credit report that I had previously disagreed with. This is unacceptable on my part since I am planning to take up a new credit soon and these items are hindering me from getting new credit. 

I have tried to dispute the late payments and I have not been successful. 

Account : XXXX XXXX XXXX  XXXX {$49000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account.

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 2022-12-08
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, which is against federal law. The last letter I sent to the three credit bureaus included the words last XX/XX/2022 in it, but no response was received. In accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), these accounts must be verified ( 1 ). ( A ). If you fail to verify these accounts, I will file a lawsuit against you. In order to quickly settle this issue, kindly follow the legislation. I need you to correct the following accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My rights under the FDCPA have been violated. This Law states that The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. This company is also in violate of HIPAA. 
Theses companies are in clear violation of this act : 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

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 2017-06-16
Company: Heritage Financial Group, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company name : Heritage Corporation XXXX XXXX XXXX XXXX, XXXX, IN XXXX Phone : XXXX XXXX This company has reported derogatory information to major Credit Bureaus on my behalf. Company claims that a debt of {$11000.00} is owed and has been charged off. i have written this company and requested for documentation to be provided to me of original contract and proof of my identity agreeing to such debt. In response this company represenative by the name of XXXX XXXX, replied to my letter stating she has no record of debt on file. this letter was recieved XXXXXXXXX2017. However, this company continues to report derogatory information into my credit file. <P/>I am asking that this company delete this inaccuracy out of my file after failing to supply me with any information that I have requested. This debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I DON'T HAVE ANY REPOSESSION ON MY ACCOUNT PLEASE UPDATE IT AND REMOVE IT TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In reviewing our account information forwarded to XXXX XXXX XXXX, we have discovered numerous discrepancies. In the period between XX/XX/XXXX the date the BOA Claim was filed and XX/XX/XXXX there were 25 MISC POSTINGS made to our account 12 of which were made prior to updating the new mortgage information. 

1. Our HARP Mortgage new principal balance is {$790.00} greater than the BOA Claim. 
2. The Trustee dispersed a total of {$5900.00} to BOA that doesnt appear to be posted to our account. 
3. We made three ( 3 ) payments of {$860.00} XXXX {$2500.00} XXXX which were not applied to our account. 

The undocumented MISC POSTINGS combined with the other discrepancies noted above have resulted in all subsequent interest and principal calculations as well as our escrow account balances being incorrect,. 

Therefore we are respectfully requesting a thorough audit of all the MISC POSTINGS applied to our account between XX/XX/XXXX and XX/XX/XXXX. All postings should be clearly described, identifying the individual amount associated with each description. In addition the three discrepancies noted above must verified and shown they were applied to our account. In the event the audits findings do not agree with the following balances in the system as of XX/XX/XXXX, we will require a month to month posting and calculation of all subsequent payments through the date the mortgage was sold. 

XX/XX/XXXX Principal Balance {$190000.00} XX/XX/XXXX Escrow Balance $ 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 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 filed a dispute on XX/XX/XXXX with transunion about mistakes made by lenders and the delinquency was removed XX/XX/XXXX. However the credit scores are not corrected for the months since last XXXX when the mistakes were made to XXXX when I filed the dispute. And transunion agent told me the reason they don't correct the score of the previous months because the lenders don't look up the history records but only the current one. First time to hear that lenders only look at the current credit score when you apply credit or any kind of loans. Actually my credit card company drop my credit limit by {$6000.00} because of the negative credit report and I can't get back the original limit even the current credit score is back to good. Please indicat transunion about credit score correction. If you made mistakes on the credit reports you have to correct all the mistakes you made, not just for one current month. Otherwise I will be seeking damage here.

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 2023-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear CFPB, I am writing to bring to your attention some inaccuracies on my consumer profile that you have on file. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to have my credit report be accurate, complete and not misleading. 

On Mon, XX/XX/XXXX, Capital One and I agreed to the settlement of an account in the amount of {$350.00}. I was asked to make either two payments of {$170.00}, with the first payment due by XX/XX/XXXX and the second payment due by XX/XX/XXXX. I paid the full balance of {$350.00} on XX/XX/XXXX, thinking that the account was settled and done. 

However, I received a letter from Capital One stating that I still owe {$90.00}. I called a Capital One representative on XX/XX/XXXX, and they said not to worry about it and that it would reflect differently on my consumer report. This turned out to be false, and the information on my consumer report remains unchanged. 

This is a violation of 15 USC 1692e 807, which prohibits false or misleading representations. Specifically, it is a violation of subsection ( 8 ), which prohibits communicating or threatening to communicate credit information which is known or should be known to be false, including the failure to communicate that a disputed debt is disputed. It also violates 15 USC 1692d 806, which prohibits harassment or abuse, specifically subsection ( 2 ), which prohibits the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

I am requesting that this account be deleted from my consumer report completely, as it is settled and done with. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: Capital Management Services, LP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my consumer report and noticed an error on there. Debt from XXXX is being reported late 150 days late in XX/XX/2019 and 120 days late in XX/XX/2019. I disputed the error to the bureaus on three occasions explaining that how can an item be late 150 days late and then 120 days late? I requested verification and the bureaus never provided verification but continued on saying the debt was accurate and verified. I never gave any of the three bureaus permission to furnish the debt on my consumer report to begin with. That violates my consumer rights, pursuant to 15 USC 1681b ( a ) ( 2 ). I recently received a letter from a debt collection agency by the name of capital management services in regards to the debt mentioned. I know they are a debt collection agency because they stated in the letter that " This is an attempt to collect a debt ; any information obtained will be used for that purpose. This communication is from a debt collector. '' That also violates my consumer rights due to the indication of collecting debt. Debt collectors are not supposed to use any symbol on an envelope ( which they did ) or indicate that they're in the debt collection business. This is identity theft and both the credit reporting agencies and collection agency are violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: Experian Information Solutions 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:
A thorough investigation was not conducted. I initially sent a notarized letter through certified mail on XXXX XXXX. I did not receive an email from Experian stating that the investigation was open until XXXX XXXX. US Postal service annotates that Experian received the certified letter on XXXX XXXX. On XXXX XXXX, less than 48 hours after the investigation was open, Experian concludes that my investigation was complete. There were 8 items listed on my dispute letter and Experian only investigated one item according to the dispute results. The one item that they did decide to dispute is still inaccurate. I also requested documentation to prove that these items were accurate and so far I have received nothing.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I have been dealing with the bureaus for a while now. All through out these process, my life has been so much affected, my job, my livelihood. These items are not verified otherwise, the bureaus showed me how they verified these. I have been asking for the method of verification from them, but to no avail. 

I feel that my rights have been violated over and over again. I need these items reviewed and removed from my 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 2021-09-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to a wells fargo in XXXX, pa. I have 2 accounts there with substantial money in both accounts. I gave manager my valid license and she refused to cash a XXXX wells fargo check, my check. I had credit cards, medicare card, XXXX XXXX XXXX with me and she said no cash. She said the only way to cash my check is only with wells fargo debit card, which I do not have or want. I was a long term customer of wells fargo for decades. I filed 3 complaints with this psycho woman and they took her side. I need help with this matter.

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 2022-12-08
Company: Experian Information Solutions Inc.
State: MT
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$0.00}. 

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 an 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 2023-06-29
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a CFPB complaint against this company pending. That compliant has not been responded to by the original creditor and XXXX XXXX has continued to call me. which at this point is harassment.

Company response to consumer: Closed with explanation