BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
Company Inquiries : XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX/XXXX  XXXX XXXX, US SM BUS ADMIN ODA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The purpose of filing this complaint is that we believe that our escrow account is being handled incorrectly by our lender. 

1. The supplemental real estate tax was paid in full by us the property owners from our own funds.

2. Even when these taxes were paid by the owner 's own funds the lender increased the mortage loan monthly payments. 
3. On XX/XX/2022, we send the lender an Error Resolution Letter with the evidence of this payment so the lender could fix or resolve such error.

4. On XX/XX/2022, we received a letter from the lender not addressing the issue that the owner paid the Supplemental Real Estate Tax and not from the escrow account. 

Attached you will find the documents showing this payment.

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 2023-07-07
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$7800.00}

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 explanation
Consumer complaint received 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/22 I sent TranUnion a letter disputing the validity of the bankruptcy. They responded with a letter that it was verified through a third party. 

I informed TransUnion that this bankruptcy has already been deleted from XXXX. I also asked them to provide proof of there investigation. Specifically I asked TransUnion to reveal the method of verification or delete this according to FCRA. They have refused to delete this item and they have refused to respond with verification methods.There actions are impeding my ability to option credit and have costed thousands more in interest. 

The item needs to be deleted from my credit report if it can not be verified with the original creditor within 30 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 non-monetary relief
Consumer complaint received 2021-06-02
Company: Allgate Financial, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX  reached out to me last year in XXXX regarding a debt from XXXX on a credit card. I informed them I would settle for {$450.00}, which they agreed through the state attorney general. They wanted me to pay by a certain date, which I responded asking them for an extension because my work hours were reduced due to COVID-19. I never received a response. 

XXXX XXXX XXXX is attempting to sue me in civil court in Arizona for over {$1000.00}. I responded through the court that I want to settle the debt for {$450.00} as initially agreed and that Arizona has a statute of limitations on credit card debt. 

I called XXXX XXXX several times asking if they would settle now that I have full time hours at work and I could pay them by XX/XX/XXXX. They refused and said they would settle for 85 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2022-07-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The XXXX and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-28
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit report and would like to formally file a dispute. This information is unauthorized and was not approved to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my report and I was NOT alerted to this information being authorized on my reports and I am insisting that they be DELETED from my credit report as soon as possible. These items are fraudulent and are impacting my GOOD relationship with creditors. I have reported the theft of my ID to the FEDERAL TRADE COMMISSION, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit that i have attached in regard to this incident. Please investigate these matters and see that the disputed items are removed as soon as possible.

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 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I checked my credit expecting to see a rise in my score because I have paid off a collection account in full. XXXX XXXX XXXX XXXX {$870.00}. I Paid through XXXX XXXX XXXX. Instead XXXX XXXX XXXX was dropped from my report and my credit has dropped 21 points. It is supposed to rise 25 points  when you pay off a collection account in full. I have a Thank-you letter from XXXX XXXX XXXX showing the amount and that it is paid in full. The original creditor, XXXX XXXX XXXX XXXX, is still on my report showing it was charged off. This is just wrong! I am being penalized for paying off a debt. I filed a complaint with both TransUnion and XXXX. They sent their results today XX/XX/2020 and stated that the information is correct and the dispute was closed. How is this possible? I would like them to put XXXX back on my report showing it is paid in full and giving me the corresponding rise in my score ... .. 
Thank-you for your time in this ... ..

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 2022-07-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ACCOUNT : XXXX XXXX ( Original Creditor : XXXX XXXX ) account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX account number : XXXX and XXXX XXXX account number : XXXX 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ; 15 USC 1692b ( 4 ) not communicate by post card ; 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: NY
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 Act convergent account number XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 Section 602A. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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 items 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 items 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 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 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 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 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 2022-03-13
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of 2022, I received notification via mail that Ability Recovery Services acting on behalf on XXXX was attempting to reinstate an old debt back onto my credit report. 
It has been several years since the XXXX and all debt collectors have reached out regarding this debt being removed from my profile. The notification from Ability Recovery Services laid out a few options that I had before the debt was replaced back on my profile. One which included Verification of Debt. The notification provided a date in which the dispute or request for additional documents were to be submitted. Two days after receiving the notification via mail, a debt validation letter was sent to Ability Recovery Services to request hard copies to prove that the debt belonged to me. I have received no additional follow-ups from the debt collection company and the debt was placed on my profile regardless. 

I have noted that this company apparently has been notorious for this happening in the past with other clients.

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 2022-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A company named XXXX XXXX XXXX contacted my brother in law stating I needed to sign electronic documents. They said if I didn't sign them I'd be arrested. He called and gave me their number. I called them. They are trying to say I owe a debt for a capital one card that I have never had. Nor has this debt ever been on my credit report. They said I can be arrested if I don't pay. I have never heard of this debt nor have I ever received anything in writing regarding it. Their phone number is XXXX. And they said I have a legal case number of XXXX. 
I explained I have never had this card. Nor have I ever received anything from them. They said it doesn't matter and I must pay either in full or payments or be arrested and go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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 am requesting an investigation into an incorrect 120 late payment posted fromXX/XX/XXXX. Beginning XX/XX/XXXX my Capital One account changed from ( Visa to Mastercard ). This caused inaccurate payment postings. I had difficulty paying online and was unable to post payments correctly. The payments were posting to the incorrect account. I had excess on one account and a late charge on the old account. I continued to get mail stating I had n't made a payment.
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I contacted Capital One and the representative was confused about my request, but I was finally able to speak with someone that understood my problem. The representative was able to assist me to finally post the payment to the correct card, but it left me with an inaccurate and unfair reporting to XXXX. Capital One continues to report that I was 120 days late making a payment. This account had a maximum balance of {$180.00} part of which was fees from untimely payment due to the change with credit card types. I did n't request the change in credit card types and I did n't request to have the accounts incorrectly posting payments. I had n't had any delinquent payments prior to this credit card change ( Visa/Mastercard ) and have not had any late payments with any creditors since this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a credit card with XXXX. It is a credit card company which debit your account every week after you make purchases. I closed the bank account that I was using for automated payments during my divorce. When I realized that, I immediately contacted the company which takes payments for XXXX and set up payment plan. I did that in XXXXXXXX XXXX XXXX. Since then I have made 3 payments and paid off my account completely. I paid off every dime I owed before account was charged off or went into collection. Following the last payment everything was fine. However in XXXX XXXX XXXX, the XXXX reported my account to the all three of credit bureaus as charged-off/collection account with over 5 missed payments and showing that I still have balance owed. None of this is accurate. I paid of the account and made payments on the dates that they stated I have not made payments. I contacted the company which took payments and they sent me the letter showing that I paid in full ( see attached documents ). I then contacted XXXX and after couple of emails they stopped replying or attempting to fix the issue. Because of this, my credit score has significantly dropped, and I have hard time qualifying for any credit or applying for jobs. XXXX has refused to remedy the issue and just completely ignoring me. This is extremely unfair since I worked hard paying off the account and making sure all of the payments go through to fulfill my obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: CAVALRY INVESTMENTS, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX i was notified by XXXX XXXX that a judgement of {$4000.00} was made against me plus a {$1100.00} legal fee. Making the amount owed to be {$5200.00} Then I got a letter from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, IL. that they are doing the garnishment for XXXX for {$4000.00} plus court with a total of {$5200.00}. In XXXX of XXXX the garnishment stopped because it was paid off. In XXXX of XXXX I received another letter from XXXX XXXX XXXX saying that XXXX had said they had not received any payment since XXXX XXXX. That the were starting another garnishment for {$3100.00} for the balance still owed. The amount of money taken out of my paycheck has been as follows. The year XXXX was {$2400.00}. The year XXXX till XXXX was {$2700.00}. The year XXXX after XXXX was {$1000.00} ( the start of the 2nd garnishment ) The year of XXXX so far being over {$600.00}. This means I have had over {$6600.00} on the garnishments. If they go the full amount they expect to take out of my pay it will be {$8300.00} for a garnishment that was only suppose to be {$5200.00}. The garnishment is still being taken out of my pay every week. If I have to a copy of my pay stubs for the amounts shown can be provided. They should have the record of payments made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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