BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
On XX/XX/XXXX. XXXX  I was emailed to make my payment to Capital One. The payment is due on the XXXX of the month. I tried the night of the XXXX to make this payment online. Upon trying to log in my account was locked. I contacted Capital One to attempt to make a payment. I was told that I was a Authorized user and not the primary therefore I had to control of the anything. 

On XX/XX/XXXX I was emailed from Capital One informing me that my payment was late. I attempted to make this payment on multiple occasions. I was informed everytime I wasnt the primary user. If Im being contacted to make payments but not allowed to make payments. I have a serious problem with this. 

Fast Forward to todays date. XX/XX/2022. I was emailed by my credit reporting agency that I had a delinquent account on my credit report due to late payment. AFTER multiple attempts to speak with someone to pay my {$25.00} minimum payment. I was finally able to pay what they are say is now {$60.00} dollars on my account. 

I share this account with my husband and we both have been using these cards for a while. I now have paid a late fee and have delinquent remarks on my credit report. I would like for this to be corrected in my credit report. As I am also taking steps to see what I can do to have Capital One correct their mistake. During this entire encounter I was never helped to unlock my online account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
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:
Transunion is incorrectly reporting me as an Authorized User on the XXXX/XXXX - partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called and spoke to a representative and removed myself as an authorized user from this account. They removed me as an Authorized User on XXXX and XXXX  however Transunion has not removed this from my report. I have contacted the bureau to fix this issue however I was unsuccessful. This negative reporting is harming my credit score. This line item needs to be removed from 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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent multiple dispute letters to Transunion disputing XXXX chargeoffs on my file that are being reported inaccurately!! Both chargeoffs, one from XXXX card and one from XXXX XXXX are reporting different balances, last date of activity and account open date from XXXX!!! XXXX has removed both these accounts for the exact reason!! This is a violation of the FCRA, information should be the same on all 3 bureaus .... I demand another investigation and for the accounts to be removed for inaccuracy

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 2022-03-26
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I moved out of an apartment complex call XXXX  at XXXX XXXX on XX/XX/2021 and requested an itemized bill. I also provided my forwarding address and the manager replied they would send me an itemized bill when it was ready, but they sent my account straight to collections without sending me any notification via mail, Email, phone, nothing. I also had a coapplicant And they did not contact him either with the itemized bill or past due balance or anything. The only reason I saw it was because It appeared on my credit. I sent them all my emails requesting bill information and they never responded they ignored me and sent my account to collections.

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 2022-03-26
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: Account status incorrect

Complaint:
According to Experian, collections for federal student loans have been placed onto my account from XX/XX/XXXX through XX/XX/XXXX. The second collections notice shows collections reports for another federal student loan from XX/XX/XXXX through XX/XX/XXXX. 

The first loan amount is {$2500.00} and the second is {$1700.00}. 

According to " House XXXX XXXX XXXX '' ( XXXX ), " Every provision contained in or made with respect to any obligation which purports to give the oblige a right to require payment in gold or a particular kind of coin or currency, or in any amount of money of the United States measured thereby, is declared to be against public policy, and no such provision shall be contained in or made with respect to any obligation hereafter incurred. Every obligation, heretofore or hereafter incurred, whether or not any such provisions are contained therein or made with respect thereto, shall be discharged upon payment, dollar for dollar, in any such coin or currency which at the time of payment is legal tender for public and private debts. '' HJR-192 goes on to state : " As used in this resolution, the term 'obligation ' means an obligation ( including every obligation of and to the United States, excepting currency ) payable in money of the United States ; and the term 'coin or currency ' means coin or currency of the United States, including Federal Reserve notes and circulating notes of Federal Reserve banks and national banking associations. '' HJR-192 superseded Public Law ( that which passes as law today is only " color of law '' ), replacing it with public policy. 

This eliminated our ability to PAY our debts, allowing only for their DISCHARGE. 

In addition, " 15 USC 812 '' explains that these " debts '' should not have been reported in the first place. With that being said, I am owed {$1000.00} per collections report as of the year XXXX through XXXX. 

Due to these reports, my credit score has been oppressed, ultimately keep me from being able to purchase a home, get approval for loans and other credit based financial opportunities.

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 2023-03-17
Company: Atlanticus Services Corporation
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I called Aspire credit card on XX/XX/XXXX about a fraudulent charge I seen posting on my account a representative put me in touch with fraud department and they said they would credit back the charge and send me out a replacement with in 7 to 10 days. A week later I noticed on my account the last four of my card number changed so I thought everything was good. I received a letter on XX/XX/XXXX stating there was fraud on my account and it was suspended. I called and spoke with them again they said that everything was ok but the card was not sent out for some reason so they would sent it out now and I could get it within a couple days expedited I told them that ok just send it regular mail. I received another letter a week later I called back on XX/XX/2023 they told me my card was lost or stolen at first then I talked to a supervisor by the name of XXXX who told me they could not confirm address but they had already sent me out two letters by this time. I asked for a supervisor over him to call me back he said it would take two business days and took down my number. On XX/XX/2023 I called back again due to not hearing anything spoke with another supervisor who told me the problem is the card count was not on account now he can send me out a card in 3 to 5 business days he also said he did not know why the supervisor has not called back for follow up because they should have called me on the XXXX. I dont understand why every time I call them I get a different reason why the card is not being sent out and have to keep calling back. I have been on time with my payments and now am paying for a card and fees of a card XXXX dont have in my possession due to there company and issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, 2022, I realized that I owed {$1200.00} for XXXX 2022, {$1200.00} for XXXX 2022, and was about to owe {$1200.00} for XXXX 2022. That I would owe over {$3000.00}. I had been told that I was in forebearance and that I only had to pay {$390.00}. Suddenly I was about to be in foreclosure and my forebearance would end on XXXX. I had paid the {$390.00} and most of the time over {$1200.00} a month during this forebearance. I was freaking out and was told the only way to avoid foreclosure was to end my current forebearance and apply for a new forebearance. The agent with SPS new that I had no income coming in and that I would not be approved for any new foreberance. They said that the only difference it would make for me to end my current forebearance and start a new one is that with my current forebearance I only owed {$1200.00} and that if I ended my forebearance early and reapplied I would then owe {$1200.00}. I thought the only difference was {$14.00}. That is how SPS tricked me into ending my forebearance early.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: FL
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-15
Company: EQUIFAX, INC.
State: NJ
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:
On XXXX, XXXX, after pulling my credit report, I notice multiple unknown accounts on it that did not belong to me, doing my own research and asking for some help to dispute from a friend of mine, he recommended me to start disputing the inaccurate information, So I did, months went by and I was able to remove some of the accounts, unfortunately, on XX/XX/XXXX, I pulled my updated credit report and I saw a new erroneous collection account on it, I am reaching now CFPB website to file a complaint for this account that is not mine, I am expecting XXXX XXXX XXXX XXXX  '' to be remove from my report because I am not the debtor of this account, hopping for good results to come in my next update credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is 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 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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed most of my accounts because they contain transactions and experiences. According to 15 U.S. Code 1681a - Definitions ; rules of construction. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;.

They are also in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave permission to furnish a report on me. And they refuse to stop. They are allowing non affiliated companies to pay them to furnish unlawful information. And XXXX. They have destroyed my livelyhood and my ability to care for me and me child. 

I am the consumer to which the reports pertains to. I am the only one that can verify false information. Financial institutions that pay the credit reporting companies to furnish unlawful information should not be consulted about accurate information pertaining to me. They are also committing identity theft by doing actions that I am not aware of.

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 2022-06-06
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: Account status incorrect

Complaint:
I called your department after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw an UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SS Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA 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 2023-04-11
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 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 explanation
Consumer complaint received 2018-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate information from my credit report. I have submitted numerous disputes thru the company and credit reporting agency, I have yet to be provided with proof or any correspondence. This account/debt does not belong to me and is harming my credit character.

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 2022-08-10
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX PARTY COMPANY IS REPORTING INFORMATION OF A XXXX XXXX XXXX  TO ALL 3 CREDIT BUREAUS OF MY CREDIT FILE. THIS INFROMATION WAS NEVER REPORTED BY THE FEDERAL BANKRUPTCY COURTS. XXXX REPORTED THIS ON MY CREDIT FILE AND WAS NEVER A PARTY TO MY XXXX XXXX BANKRUPTCY REFERENCE FILE # XXXX. 

A FORM 609 WAS SENT TO XXXX UNDER THE FCRA GUIDELINES REQUESTING THE REMOVAL OF THIS INFORMATION FOR : XXXX XXXX XXXX / DATE OF BIRTH : XXXX SS # XXXX / TEXAS XXXX XXXX DATE OF DISMISSED WAS XXXX / BANKRUPTCY FILE # XXXX XXXX HAS CONTINUED TO IGNORE MY REQUEST OR RESPOND TO MY REQUEST TO REMOVE THIS ITEM FROM MY CREDIT FILES ON XXXX EQUIFAX/ XXXX. 

THE TEXAS XXXX XXXX HAS FURNISHED EVIDENCE THAT THEY NEVER SUBMITTED DOCUMENTATION TO THE 3 MAJOR CREDIT BUREAUS XXXX EQUIFAX/ XXXX AND THAT I WOULD NEED TO TAKE THIS MATTER UP WITH XXXX. 

XXXX REPORTED THIS ERONEUS INFORMATION TO THE 3 MAJOR CREDIT BUREAUS WITHOUT THE RECOMMENDATION BY THE TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRUSTEE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Rocket Mortgage, LLC
State: ME
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We tried to refinance our existing mortgage with same XXXX bank that presently holds our mortgage at a higher rate. 
Everything was great, new lower rate, very high credit scores, more money in XXXX bank than our mortgage balance, we are putting 80 % down. It all went smooth till a couple days before closing the said it was unacceptable property type but it is same property we have been paying a higher rate on the last XXXX years. This also coincided with news of higher interest rates and world affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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: Their investigation did not fix an error on your report

Complaint:
I have submitted multiple complaints to the CFPB about Equifax 's failure to remove an erroneous bankruptcy on my credit report. I have submitted to them all of the supporting documents showing proof that it was deleted by the Consumer reporting agency they continuously claim is verifying the information. Because of their failures, this has hurt my ability to obtain credit including being charged higher interest rates than I should have been charged if they just do their jobs and remove this false and erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: AL
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:
I have written several letters and have not received a response. The letters are in regards to me reviewing my Credit Report and noticing the unauthorized out dated incorrect and erroneous information that is being furnished on my credit report. I have 34 accounts that I demand be deleted from my credit report as pursuant to 15 USC 1681 ( a ) ( 3 ) and 15 USC 1681 b ( 2 ) Equifax assumed this role and my direct written instruction/permission was never given. Equifax is in violation of my Right to Privacy according to 15 USC 1681 4. Equifax did not exercise its grave responsibility, was unfair and was partial. Furthermore, Equifax did not have a permissible purpose under 1681 b 2. I never instructed Equifax to furnish this report and i never consented to this report in the first place. I am demanding that all of these accounts be deleted from my report and file along with my phone number and all inaccurate names. Please see attachment : All items with a black circle or the word deleted next to it, I demand be deleted

Company response to consumer: Closed with explanation