BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
The paragraph below in quotes, taken from your response to our complaint is not fully accurate and if you look farther back on the account your representative should have made a note of the call in which they called our credit union.One of your customer service representatives did call our bank while we waited to be conferenced in, but she returned to the line and told us that our credit union does n't validate accounts over the phone. So, when we were asked again to do this on    XXXX   XXXX   XXXX      we provided the information that was provided to us previously by your customer service rep.     PARAGRAPH FROM YOUR RESPONSE " You mentioned in your complaint that you would like an alternative solution because you are unable to provide the previously requested documentation. On    XXXX   XXXX   XXXX     , during a phone conversation, we offered to do a conference call with the bank to verify ownership of the bank account used for payments. At this time, you declined our offer by advising your bank will not verify information over the phone. '' It has also already been explained to you that the following items are not something we can provide and if you reference previous letters from us, it explains why. So, you are still not providing a solution that is anything that we can provide, because we are n't given those things to provide! If you do n't believe it, then call the credit union and ask them!!!     Items you are requiring to validate account.   A bank statement, voided check or deposit slip from  XXXX   XXXX   XXXX   XXXX  that includes the full account number and name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Security Credit Services, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
According to my XXXX XXXX report a company known as Security Credit Services is reporting to my credit report that they are trying to collect a {$4700.00} debt. I have never received written notice about this debt. I don't know what it's for. If it is legitimate I haven't been notified where payments can be remitted. A read a lot of reviews from this company that said they don't send written notices they just show up and try to sue people. 

What recourse do I have and what can be done? This isn't legal right? It was my understanding that you need to be notified within 10 days of them mounting collections against you, right?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: CCF Intermediate Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I took a paycheck on XX/XX/XXXX to a local XXXX Checksmart to be cashed which it was. I received a phone call on or about XX/XX/XXXX from a XXXX XXXX who says he's from Checksmart and the paycheck was apparently returned. I was a little surprised to hear this but I had wanted to work out a repayment arrangement with them. I have been a long time customer of theirs and in the interest of that relationship I decided to work with them on good faith with no documentation and the understanding that documentation would be following. To date I have received nothing from Checksmart. On XX/XX/XXXX I learned that the check had been resubmitted for payment and had cleared I was also given documentation to that effect which I offered to send to XXXX XXXX, he declined. The calls have not stopped and they are threatening to file criminal complaints against me. I have stated to them that this is an issue on several points. One - the debt has been paid in full, two - I have not received any documentation requested or even a demand letter from Checksmart which is required, three - I could have no knowledge that a paycheck might be returned. I have reiterated these points to Checksmart many times and they continue to engage in unlawful debt collection. XXXX XXXX has refused to provide contact information to send the documentation I have, I have sent the documentation to a generic customer service email address with no response. In addition to this complaint I have filed a complaint with the Ohio Attorney Generals Office

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried on numerous occasions to have my credit report updated with Equifax, my report has not been updated since 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Dovenmuehle Mortgage, Inc.
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
First off, it was a nightmare ordering and receiving a payoff statement from them. After closing, the title company wired the funds to payoff the HELOC. The wire was sent on Monday, XXXX XXXX, XXXX  at XXXX p.m. To this date, it is still not showing that I have a {$0.00} balance. I've called several times. Their customer service representatives are rude and not helpful. In " verifying '' my identity, I answered XXXX. XXXX questions for them. The last question was to verify my email address. I have only had XXXX email addresses in my life. She kept asking me if I had any other email addresses. I responded NO. She then said she couldn't verify my identity and would not be able to help me. I've called over and over again and get the same rude, disrespectful representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card
Issue: Balance transfer

Complaint:
Recently I opened a Barclaycard Arrival Plus credit card. Part of the offer included a 0 % interest balance transfer for first 12 months. I initiated a balance transfer from my XXXX XXXX Credit Card in the amount of XXXX on XXXX/XXXX/15. However Barclaycard initiated a second balance transfer in the amount of XXXX that I did n't approve. I noticed this on XXXX/XXXX/15 at which point I both called their customer service line, and opened an online message/ticket. After two weeks of no resolution, I was finally able to get a hold of someone who could answer my questions, and they told me they were unable to reverse the balance transfer, at which point I would need to contact XXXX and ask for a check in the amount of the second balance transfer amount, and then pay my Barclaycard down with that money. Since I did n't authorize this charge on my card, I fail to see how Barclaycard sending money to XXXX is my responsibility? My credit card came with a promotional offer if i spent {$3000.00} in the first 90 days, I would be rewarded with XXXX miles. However, since they have effectively maxed my credit card out with a double balance transfer I of course am unable to use the card. Also, it is making my debt ratio look much higher, and potentially pulling down my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Truist Bank received XXXX payments for my Fixed Rate option as part of my Home Equity Line of Credit and misapplied my XXXX and XXXX payments causing my Credit Line to be revoked, negative reporting to my credit bureau, and late fees attached. I spoke with Truist on XX/XX/XXXX who corrected the payments ( reflected after processing on XX/XX/XXXX ). However, they have not yet reinstated my credit line, removed the negative reporting on my bureau or responded to inquiries to their XXXX escalation line made by phone and email. With hold times more than XXXX minutes, it is not acceptable to not respond to inquiries made via electronic communications including their website, XXXX and email. I need this to be resolved as soon as possible as they are restricting my ability to borrow which if not resolved, may impact my ability to borrow on other credit products. There has been no response from Truist at any level.

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 2023-02-02
Company: Experian Information Solutions Inc.
State: OH
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 Experian regarding this negative account, I have attempted to verify this account with the creditor which I received a letter stating they do not have an account with my information. I have submitted this letter to Experian with my dispute to remove this account. SOMEHOW, experian is stating that this account has been verified? I've requested the documents used to verify this information and have not received anything. I'm confused as to how they can verify an account that the creditor has informed me I don't have.

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 2023-11-17
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XX/XX/2023 I am writing to request a reinvestigation for inaccurate reporting by Exeter Finance. I traded in the car on XX/XX/2023. When I tried to refinance Exeter Finance informed XXXX XXXX XXXX that I had too much negative equity. This was a sign that Exeter didnt even want the car. So, I found a lot that had bad weather and could get me a deeper discount and I traded the car in. Once Exeter learned of this trade on XX/XX/2023, I was reported late. These people are low down and dirty. Always trying to keep people under their control. I managed to escape, and they are just upset and trying to damage my credit reputation which according to the XXXX  they have done several over XXXX people. 
Please ask that complete payment details to be sent. This information is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: MD
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-24
Company: Finance System of Richmond, 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:
how are you reporting XXXX collections for the same account when i have XXXX? 
see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-22
Company: EQUIFAX, INC.
State: VA
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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-08-03
Company: Experian Information Solutions Inc.
State: IN
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 am filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not verify those accounts, under Section 611 ( 5 ) ( A ) of the ECRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Its been over 60 days and have not sent me one document or original contract.

Experian, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also be advised that this is my second time contacting your company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you can't just verify my account by telling me it is verified Nor can you verify my account by telling me you contacted the creditor and the account I disputed is " Verified ''. This means that IF you can't send me proof of these accounts from YOUR COMPANY, it must come off.

All in all, you have ignored my request to provided me with the documents that you have in your files that were used to verify the disputed accounts, which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly delete all information which can not be verified. '' This law is as clear as daylight, as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted 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
Consumer complaint received 2023-08-08
Company: Maximus Education, LLC dba Aidvantage
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Trying agree to payment plan that I can not afford. I also filed for bankruptcy in XXXX finalized in XXXX and listed my student loans as debt. But i am still obligated to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: NJ
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 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 an 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 2017-05-03
Company: EQUIFAX, INC.
State: WA
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 requested a credit line increase on my  XXXX  credit card. They said they would need to run my credit  (  hard inquiry ) to handle my request. I explicitly denied such authorization to perform a credit inquiry. However, they did run my credit on  XXXX / XXXX / 2017  and increased my credit line. I contacted them again complaining about such unauthorized credit inquiry. They reverted the credit line increase right away, and they sent a communication to the credit bureaus to remove that inquiry. They advised me to wait a few weeks or proceed to submit a dispute to the credit bureau. They insisted they ca n't be responsible for the information on my credit report, which is silly because the original error accessing my credit report without authorization was from them. Then, I contacted Equifax disputing the credit inquiry on my report, explaining all the situation, Confirmation Number :  XXXX . The status of that complain is " Completed '' and the result was " N/A ''. I have also contacted multiple times  XXXX  with no answer. In summary,  XXXX  performed an explicitly unauthorized access to my credit score, violating my rights, and perhaps violating the law, and they are not doing anything to fix it. Equifax denied without major reasons my request to fix this, in spite of the supposedly communication sent by  XXXX  reporting the inquiry as erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: AZ
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 have been trying to dispute incorrect 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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