BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
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:
I have contacted XXXX and Experian several times and have been ignored. We voluntarily surrendered this boat that XXXX took possession of in XX/XX/XXXX. Now In XX/XX/XXXX on my credit report it shows that XXXX have repossessed this boat again. This has negatively affected me getting credit. I am only having this issue with Experian.

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 2023-06-02
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: NC
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 Reporting Act The list of accounts below has violated my friendly protection consumer rights to privacy and confidentiality a person may not furnish any information related to Consumer to any consumer report of agency XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX 
ACCOUNT # XXXX LXXXX XXXX. ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX. 
ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on XX/XX/XXXX there were XXXX unauthorizes charges that Citibank has not credit old acct number ending in XXXX, new acct # ending in XXXX in the amount of {$360.00}. 
The unauthorized transactions are as follows ; XX/XX/XXXX, {$91.00} to XXXX, XX/XX/XXXX {$170.00} to XXXX XXXX, XX/XX/XXXX {$20.00} and {$77.00} to XXXX of XXXX. 
On XX/XX/XXXX Citibank completed their investigation and said that I was in possession of the credit card at the time of these charges and there for they did not consider it fraudulent activity. 
I have called and written to Citibank certifying that I my card was lost at the time of these transactions and I or XXXX XXXX had not authorized anyone else the use of our cards.

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 2023-10-24
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report. This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment Immediately. 
Account XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX ) Months Showing Late Payments XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023

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 2022-12-30
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have submitted payments for our mortgage through bill pay using XXXX bank for years. Our XXXX payment was sent to Shellpoint Mortgage on XX/XX/XXXX in the amount of {$3000.00}. The payment went through and money was removed from our account. 
I was notified via email that the payment was not received by Shellpoint in XXXX. I submitted documentation of the bill pay and our bank statement to Shellpoint using their web portal on XX/XX/XXXX. 
I have called Shellpoint 4 times in the past 10 days. They are telling me they can not locate the payment as the address for their billing/collections changed. We were not notified of this ahead of time. We have since changed our bill pay to the correct address. 
Shellpoint has told me they can not locate my payment and my only option is to submit another payment for XXXX XXXX has said there is no way to get this money back to our account without Shellpoint issuing a refund. It seems wrong that I have to pay twice for my mortgage for XXXX because Shellpoint lost my initial payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
On XX/XX/XXXXXXXX  I sent a payment in full using a negotiable instrument ( coupon ) and a conditional acceptance letter ( Reg # XXXX ) to Capital One Auto Finance to payoff the then stated payoff amount for my XXXX  XXXX XXXX from my XXXX XXXX XXXX  account # XXXX under the corporation known as XXXX XXXX XXXX. They refused to accept my good faith payment but did not return my negotiable instrument ( Coupon ) confirming their conditional acceptance of the payment in full. They sent me a so called " Validation of Debt '', which I did not request at the time and was no more than a list of payments made, and they threatened to accelerate my loan and / or repossess my truck. On XX/XX/XXXXXXXX  I sent a Writ in the Nature of Discovery ( see attached ) requesting 12 Documents with all related and associated instruments be provided and arrangements be made to inspect the documents within 21 days of the receipt of the Writ of discovery to determine if proper documentation of the debt had been maintained as required by law. This was ignored constituting an affirmation of disingenuous intent and a violation of the Freedom of Information Act which was a " dishonor '' of the " Notice for demand of Disclosure ''. So on XXXX XXXX XXXX  I mailed a Notice of Trespass to Capital One Auto Finance requesting that the debt be cleared and the title be delivered to me as remedy for the harm injury and loss sustained by me due to their breach of conditional acceptance. On XXXX XXXX XXXX  I sent a follow up letter to Capital One Auto finance Requesting that they cease and desist all collection activities and send me a statement with a XXXX balance. On XXXX XXXX Capital One Auto Finance stole my truck even though there was a dispute re : the loan and despite the fact that they were in breach of the freedom of information request and the conditional acceptance. This caused me great XXXX  and loss of work as well as significant financial hardship as i had to come up with approx. {$3200.00} to get my truck back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: HYUNDAI CAPITAL AMERICA
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased my XXXX XXXX on XX/XX/XXXX. My car was paid off to Kia Finance on XX/XX/2021. The dealership, XXXXXXXX XXXX XXXXXXXX sent the money for the warranty back to Kia Finance on XX/XX/XXXX per the dealership. It is now XX/XX/XXXX and I have yet to receive my refund check from Kia Finance. This is ridiculous.

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 2020-07-06
Company: Agency of Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection agency refuses to validate the debt. I request legal validation of this debt, original creditor, last invoices, original amount owed, notices sent and addresses notices were sent to as this is my legal right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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: Information belongs to someone else

Complaint:
its a bunch i have hard inquires on here that was not done by me i called tried to dispute online nothing credit is still the same.. 

Also its address that are not mine on there as well as a ss number thats not mine on there as well... 


XXXX XXXX {$750.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX  {$580.00} XX/XX/XXXX XXXX XXXX  {$150.00} XX/XX/XXXX XXXX XXXX {$370.00} XX/XX/XXXX XXXX  {$1200.00} XX/XX/XXXX i have XXXX inquiries that i did not do nor authorize to be done on my behalf.. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: MS
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:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-05-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
i have called Experian and filed a dispute on a voluntarily repo from XX/XX/XXXX. My husband lost his job and it was either keep a boat or our home. This was a boat that XXXX XXXX XXXX took back and sold. Now in XX/XX/XXXX it is showing on my credit report that it was repossessed again in XX/XX/XXXX. I have called Experian and XXXX and completely ignored. This is showing on my credit report and my husbands credit report. I want this corrected to show the date was a voluntary repo in XX/XX/XXXX not XX/XX/XXXX. This has affected my negatively in getting a loan.

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 2021-09-29
Company: CBC Companies, 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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX Innovis XXXX XXXX XXXX XXXX, PA XXXX FAX XXXX To Whom It May Concern : Under the Virginia Bill of Rights, I have the right to put a security freeze on my credit report. 

This is my official request to have security freeze put onto my account. 

On or around XX/XX/XXXX, I contacted XXXX XXXX to submit a fraud complaint regarding three charges on XX/XX/XXXX, XXXX, XXXX. When submitting the complaint, I explained I was unaware of the charges and had not authorized payment, and I had not signed any sales slips. After XXXX refused to cancel the billed amounts, I complained to CFPB. XXXX responded by suggesting I contact XXXX XXXX, XXXX, XXXX, and Innovis. Since there are no signed sales receipts, XXXX has committed fraud. I have attached the paperwork needed for your review. 

If this matter should reflect negatively on my credit account, I will seek protection under 15 US Code Chapter 41 for protection if necessary. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There is an address I never lived there 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 2023-09-27
Company: Experian Information Solutions Inc.
State: MN
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-05-08
Company: EQUIFAX, INC.
State: AR
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:
I disputed negative items on my consumer report with Equifax on XX/XX/2023, unfortunately I didnt send it certified mail so I cant prove when Equifax received it, and I already know that its just my word against their word. I do know that I sent Equifax a dispute letter, and they have not yet responded, and by law they are required to respond within 30 days after receiving a dispute letter from the consumer. 

Attached to this complaint is a copy of the dispute letter I sent Equifax, and since they have not yet responded to my first dispute, I am requesting that they delete all items that I have listed on my attached dispute letter since they are in violation of the FCRA, which makes all my disputes unverifiable. If Equifax indicates that they never received my dispute letter, then I am requesting that Equifax conducts a Consumer Investigation, not just a verification with the furnisher of information.

15 USC 1681a ( e ) indicates that a consumer investigation means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he or she is acquainted or who may have knowledge concerning any such items of information. I will expect Equifax to give me the names and phone numbers of those they spoke with after their investigation, otherwise the negative items on my consumer report will be unverifiable and must be removed. 

Thank you for your cooperation Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: WELLS FARGO & COMPANY
State: MD
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:
My credit is messed up because of old payments I just wish my credit was fixed I'm XXXX XXXX XXXX This is invading my privacy.

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 2022-05-03
Company: Premium Credit Bureau
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/15 I spoke with the company and told them I never approved of a hard inquiry but It was done anyway. Call and was sent to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a history of usaa doing shady practices on my account. I have a scheduled transaction on my account every pay day. Usaa decided to do the transaction a day early when my funds were low and hit me with a {$30.00} fee. This was a scheduled transaction! I feel this isnt right and I hope usaa fixes it, refunds the fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: AL
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 recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following items from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This card is fraud and affecting my credit it needs to be removed immediately

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