BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I reviewed a copy of my current credit report and show a complete or inaccurate information listed. The creditor XXXX XXXX Account # : XXXX Credit reporting history is listing inaccurate late payment for this account on ( XX/XX/2020 and XX/XX/2020. I have not only paid this account in full but I have never missed a payment to this account. Please update to show credit report that account payment history was never late and remove late payments to account. Also I attempted on a number of occasions to reach out to have late payments deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presun that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-13
Company: C/C Financial
State: PA
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:
A company is reporting twice ( for the same debt ) on my credit report. I tried disputing it ( both ) but theyre still in my credit report which is hurting me.

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX  XXXX XXXX CARD XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought at home at XXXX XXXX XXXX in XXXX, MA in XXXX. We have sold it and must close on XX/XX/XXXX. The Buyer 's attorney found TWO mortgages of record that were never discharged from BEFORE our purchase. One was XXXX, recorded XXXX XXXX XXXX XXXX XXXX XXXX page XXXX. Mortgagors are XXXX XXXX and XXXX XXXX XXXX. Dated XX/XX/XXXX in the original amount of {$56000.00}. The second is XXXX in the amount of {$250000.00} dated XX/XX/XXXX and recorded at XXXX XXXX XXXX XXXX page XXXX. The Mortgagors are again XXXX and XXXX XXXX. 

Bank of America took over these banks according to the FDIC. My complaint is that I CAN NOT get a phone number to contact at Bank of America to get the mortgage discharged. EVERY customer service phone number goes the same way. The computer asks for your account number or SS #. If you have no account it demands your SS #. Then it directs me to my credit card balance and hangs up. I went to the only local open Bank of America on XXXX XXXX in XXXX, MA and told my problem to a mortgage officer there. I was given a number to call and assured it would work. " Just keep pushing XXXX if it asks you for information. '' I did as told..it kept asking for my account number, then hung up after telling me to call back after I had the account number. Their web sites are useless. I AM GOING TO LOOSE MY SALE!!! 
PLEASE HELP, there is no number that I can find to call. 

Under Massachusetts law they MUST provide a discharge when asked, but you can't ask them!!

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 2022-12-20
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:
I submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2022-04-03
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MY ADDITIONAL PRINICPAL PAYMENT REVERSED AND APPLIED TOWARDS INTEREST??? 

I ALREADY HAVE AUTO PAY ON AND THE MONTHLY PAYMENT DUE FOR XXXX WAS ALREADY MADE ON THE XXXX OF XXXX OF THE XXXX CALENDAR. 

I WILL SUE YOU IF YOU DONT APPLY THE ENTIRETY OF MY ADDITIONAL PRINCIPAL PAYMENT TOWARDS THE PRINCIPAL OF MY LOAN AND IF THIS HAPPENS AGAIN. 

THERE IS NO PENALTY FOR ADDITIONAL PRINCIPAL PAYMENTS AS WRITTEN IN MY ORIGINAL LOAN. 

THIS IS MY ONE AND ONLY NOTICE BEFORE LEGAL ACTION. YOU HAVE ONE BUSINESS DAY TO RESOLVE THIS MATTER. 

OTHERWISE I WILL CHARGE YOU AT AN INTEREST RATE OF 125 % PER DAY ON THE MONEY NOT APPLIED TO MY PRINCIPAL IF IT IS NOT RESOLVED. 

I AM ABSOLUTELY ON MY LAST NERVE HERE. RIDICULOUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021 I'm in the middle of making a home purchased when I had my credit report pulled & noticed that there was a collection account from XXXX  XXXX under ( PORTFOLIO RECOVERY ASSOCIATES below details ) i called the collection company on file and was told I owe {$1000.00} ( usd ) & that if I don't pay they will proceed to sue me & ruined my credit I advised the rep that this is not me and there is an error after much back & forth i notice the call was going nowhere so I decided to reach XXXX  XXXX and advised them about the matter they proceed to take me trough the step to getting this corrected I have never had a passed XXXX  XXXX account only my current XXXX XXXX  card that is in excellent standing. i have never left a debit unpaid or missed a payment in non if my loans or credit cards. 

Also I have an open claim with XXXX  XXXX # XXXX CASE ) I have done the same with XXXX. 


PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am XXXX and regularly order from a food company, XXXX XXXX. Because I order daily, their drivers make excessive mistake. I filed claims with Wells Fargo claims department. They incorrectly charged my account back for XXXX XXXX errors. 

Then they charged me a XXXX $ overdraft fee! Then they told me my account was being closed for " excessive claims ''. These are unfair & illegal practices. Especially of withdrawal for overdraft fees per government regulations. 

Thank you for your attention and assistance 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 explanation
Consumer complaint received 2020-08-15
Company: V and H Portfolio
State: TN
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 company XXXX XXXX reported this account on my XXXX   credit report originally with XXXX XXXX XXXX back on XX/XX/XXXX. This account was disputed and removed from my credit report sometime between the original date reported and XXXX. On XX/XX/XXXX, this same account was added back to my credit report under Vance and Huffman LLC. Based on FCRA, its unlawful for reinsertion of a previously deleted account unless i'm notified within the 5 business days which i was not. Also the original amount listed was {$1200.00} and the new account show {$1200.00} on my credit report. I've disputed this account several times asking for validation and they've failed to provide a contract with my signature that allows Vance and Huffman them to place this information on my credit report. I've attached the response they sent me with paperwork that they've printed my name on but again no signature acknowledging i'm responsible for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15
Company: Commonwealth Financial Systems, 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: Account information incorrect

Complaint:
It shows I owe medical bills still. They have already been paid and I should not be still oweing anything from them. It should not be still showing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2022-12-20
Company: EQUIFAX, 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 XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Prosper Marketplace, Inc.
State: AZ
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 a loan with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ), PROSPER, and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ), PROSPER, and XXXX/XXXX  with no successful resolution. There was definitely an error on their part.

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 2021-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020, I was scammed out of {$350.00} by XXXX and they refuse to return my funds. I reached out to Capital One and they have the ability to get my funds back, but refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Common Wealth Financial Systems Inc. re-aged an old medical account and submitted it as a debt owed to them to the major credit bureaus. I do not owe this company anything, I have never signed any agreement with them. I reached out to the company and asked them to remove the inaccurate information from my account and they sent back a letter in reference to the debt including a list of my medical procedures. I sent back a response for them to remove the info from my credit reports and also to cease distributing my medical history because I did not sign a consent for them to use my medical information. They have violated my HIPPA rights. 
The company posted a debt of {$920.00} with an open date of XX/XX/2021 to my credit report. I have asked that they remove it and I have not received a response as yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: NM
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15
Company: Square Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I moved away from my old address in XX/XX/XXXX and never cared to do a address change. 
On XXXX I wrote out a check to a friend and watched him deposited the check. Somehow the check landed in my account but also bounced from insufficient funds but was also told that the check cleared. Then when I address the banker that helped me out most the time he altered the transactions not knowing that I already have statements of it printed out and made slot of copies. This caused me to did into other activities and transactions which now I discovered involved all of my banks and accounts. 
No matter what I do ( change email, phone, phone number ) it doesnt matter. It will be compromised at will and if the bank can alter the transaction to a transaction I made a week ago that just got posted. How can I not recognize it to dispute it. 
Im limited with sources to help and no attorney is willing to take my case. Im asked to go into mediation but this involves more then just the bank that request me to mediation. It involves everything account associated with my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was in the hospital with XXXX for nearly 4 months they didnt know if I was going to make it or not. I have a Kohls charge card that I just got before I went into the hospital. I couldnt pay my bill while in the hospital so I had my mom call them and tell them that I was in the hospital and I was unable to pay until I got out. When I got out I went to pay my Kohls bill so that I could use it again and my credit limit was XXXX my balance was XXXX and they wanted {$450.00} to open my card up again I got it down to {$160.00} to pay them to get it caught up and ask them if my card would be in good standings and if I could start using it again and I was told yes because they put me on a Covid plan I then tried to use my card and it was declined I called back and talk to a supervisor and they told me they closed my account after I made {$160.00} payment I asked if they would re-open my account since I had become current and I was on a Covid plan and I was in the hospital prior to that and they refused I would like my account re-opened because it is current and compensation yes I would like compensation somehow

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance {$500.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$9000.00} XXXX , XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX {$9000.00} XXXX XXXX Inquiry : XX/XX/2022

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 2023-07-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm having several issues with an account listed as XXXX  ' on my credit report from Equifax, identifiable by its last XXXX digits as XXXX '. Firstly, the 'Date of First Delinquency ' is recorded as XX/XX/XXXX. According to Pennsylvania 's statute of limitations ( Title 42 Pa.C.S.A. 5525 ( a ) ), this debt should now be unenforceable. Despite disputing this with Equifax, it hasn't been adequately addressed.

Secondly, the reported balance for this account stands at {$650.00}, which I have disputed. I requested Equifax to validate this figure under the Fair Credit Reporting Act ( FCRA ), but they have failed to do so.

Lastly, the payment history for this account is incorrectly reported. The account is listed as being 60 days delinquent for XXXX consecutive months from XXXX to XX/XX/XXXX, which is mathematically impossible. A XXXX delinquency should logically progress into a higher degree of delinquency if not addressed. This is a violation of section 623 ( a ) ( 2 ) of the FCRA, which mandates accurate credit information reporting.

Company response to consumer: Closed with non-monetary relief