BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: American Credit Acceptance, LLC
State: GA
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:
I recently disputed late payments that are showing on my credit report for my auto. I noticed this back in XXXX and started reaching out to the bureaus and the company I have my car with. I asked the main bureaus to investigate this and update my payment as it should be. I receive a letter that the information was accurate, and they would not be investigated because they think their information is accurate. What I ask them for was the payment history to show that I was late because this is clearly a mistake on their part and it's causing my credit score to be low and me being denied for a home loan I've applied for. I was never informed of any late payments. That means that I would have a late fee and I was not aware of that. I would like this to be corrected ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have gone to a car dealership before they remake my credit they got my credit report and noticed that there were multiple inquiries that I knew I never made and I have called equal facts and they told me to make a complaint about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bmo bank has the mortgage on the home they held the insurance money for the home repairs forced us into foreclosure broke into our home while under construction and removed tools and personal items and changed lock during mandatory foreclosure mandate and after they were informed the previous time they tried and we called the police. The bank agreed to remove the foreclosure fees and legal fees and allow use to reinstate. The bank has not removed the fees and continued to charge use the fees and the foreclosure court date is approaching. We have the funds to pay the missed payments. We have tried to resolve this issue for a year but the bank has still not fixed the situation.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, I wrote the XXXX credit reporting agencies regarding unauthorized inquiries. They have not sent me information as requested regarding validation of said accounts that obtained a copay of my credit report. I have attached a color coded copy of my credit report inquiry section highlighting the unauthorized inquiries. On the dates of the unauthorized inquiries, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, I only authorized XXXX XXXX and XXXX XXXX access to my credit report, as those are the ones I have an account with. Anything outside of that I did not give consent for. 

I also previously disputed late payments for XXXX XXXX, they are reporting all payments on time to Transunion, but still showing a XXXX XXXX late status. Please correct. A highlighted copy of my credit report is attached for this item. 

In addition to XXXX, I also disputed an incorrect late payment with XXXX XXXX. As you can see, they are not consistently reporting the month of the alleged late payment. On Transunion and XXXX, they are saying the late payment was XXXX. On XXXX, they said it was in XXXX. This is inconsistent and inaccurate. As you can also see, they are not showing this account has been disputed, this shows they have not accurately investigated this account even with the submission via the CFPB portal. I demand these be deleted due to CONSTANT negligence. I will submit a FTC report if this is not corrected.

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 2023-02-15
Company: EQUIFAX, INC.
State: DE
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 mark my account current on my report for XX/XX/XXXX and once I made my XXXX payment they lodged or went back and changed an on time payment to 30 day late but make my XXXX Payment on time. I reach out to each to each credit bureau with my dispute and the company verified this lateness as accurate. 
The company never once reach out to me via phone or mail stating my account was late now in jeopardy of being late. I contact this credit card services before any lateness was ever entered and informed them I am not being informed of any mail or alerts regarding my account. The representative stated that my account was caught and there was no lateness involved with my account. I have proof of this with my statements and I submitted these statements as evidence to the reporting agencies in questions only to be told the card provider states that what they report is accurate when evidence was provided. The credit reporting agency mark it current for the month of XX/XX/XXXX but in XX/XX/XXXX the card provider when back and changed a current payment into a 30 day lateness. They have violated the FCRA and the credit reporting agency was just as guilty when they removed an on time payment two months later to reflect a previous payment on time to a 30 day lateness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: CARD Corporation
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My wallet was stolen and card along with it. Person spent over XXXX $ on my account. CARD.COM is Stating that they will need 20 entire business days to handle my dispute claim. All they need to do is contact walmart.com to find out the order details to confirm this was fraud. How come this bank is going to make a customer wait an entire month to get money back when I have bills that need to be paid and cant wait an entire month. Is there anyway someone can help speed this process up for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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:
To XXXX XXXX EQUIFAX : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. 
This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
The credit Bureaus never did a proper ''investigation '' according to the FCRA XXXX 


Th term ''investigation consumer report '' means a consumer report or potion thereof in which information on a consumer 's 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 is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.

They also violated the law because according to 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 I did not give nobody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Credit Corp Solutions Inc.
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 information incorrect

Complaint:
These reports are incorrect. I have requested that the credit companies remove them but they have not. The dates are wrong, the accounts are wrong altogether. 
I have sent validation letters to all XXXX bureaus. XX/XX/ I have disputed them multiple times, XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is regarding account # XXXX which you claim I owe you money. Please REMOVE this account to from all Credit Reporting Bureaus. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on any of my credit reports from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of { {$5000.00} } in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

- Very Respectfully, 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 2021-12-19
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian  about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported 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 non-monetary relief
Consumer complaint received 2019-11-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I submitted my monthly payment on XX/XX/XXXX and used my bank account information for the payment. On XX/XX/XXXX my payment got rejected for an unknown reason. when I contacted the customer service on XXXX the person told me that my bank account rejected my payment. I call my bank right after that call and the representative from my XXXX XXXX XXXX bank confirmed that no transection was submitted from citizen bank. Then I tried multiple times to make payments online and for an unknown reason, the citizen bank online service blocked my XXXX   XXXX XXXX checking account numbers. 
I called again on XX/XX/XXXX and after explaining the details the representative submitted my payment again. 

The payment amount is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CO XXXX  XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX andXX/XX/XXXX XXXX/XXXXXX/XX/XXXXXXXX sent disputes to credit Bureus. These companies are all frauds, they tempt you saying low credit approved but decline after pulling hard inquiry.
i even called them and there is no proper person to speak with and i end up getting ignored and agitated.

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: EQUIFAX, INC.
State: NV
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:
In accordance with the fair credit Reporting act 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 States : A consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2021-07-23
Company: EQUIFAX, INC.
State: NJ
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:
These two companies continue to report false/ inaccurate information on my Consumer Report. Ive contacted both companies asking for Validation of the information their reporting on my profile and I have received anything, so according to Fair Credit Reporting Act i know they have 30 days to respond to any issues I have but its been beyond 60 days with no response. 
Please Update my account by deleting XXXX XXXX from my Report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
This company is reporting stuff that I did not do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-30
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
AFNI bought my account from XXXX. I have been dealing with this issue for several months. I am trying to buy my 1st home and this is hindering the process. I have literally been going through this since XX/XX/2016. 
I keep calling AFNI requesting an itemized list of the charges because I know I do not owe this amount. They sent a generic form saying I owe x amount of dollars but they wo n't tell me what I owe for. They tell me to call XXXX. I have called XXXX literally over 50 times and talked to numerous people ( because they transfer me to 4-8 different people. The last person usually " accidently '' hangs up on me. Anyway, everyone at XXXX tells me they ca n't tell me what I owe the money for because " their files are archived. '' I have told AFNI that XXXX can not give me any details. I told this to XXXX today. She says, " Well if XXXX ca n't give you any details because their files are archived, what makes you think we can? '' Therein lies the problem. They say I owe a debt of ( now ) {$930.00} but they can not support the " why '' part of the debt. I have a feeling I was charged for things such as early terminations ( I was out of contract ) and/or equipment return fees ( I hand delivered these to a representative, ) etc. Nobody can answer this question. I informed XXXX I was going to file this complaint today if I did n't have the information and she told me to go ahead and file because they do n't have any copies of bills and they only have the amount. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: BMW Financial Services NA, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made a {$7000.00} payment on XX/XX/2021 to BMW Financial Services and trying to pay off my leased car. The pay off quote as of XX/XX/2021 was {$42000.00} and after the payment of the {$7000.00} I waited 3 days and the online account shows the payment was received and account has a negative balance - {$7800.00} but it shows the pay off quote is {$42000.00}. I have called BMW financial services 5 times and they keep running me around and not helping to correct the pay off balance and they are refusing to give me credit for my {$7000.00} payment and give me a correct pay off quote in writing so I can pay off my car and release the title. They are horrible and unethical and are withholding my money and refusing to let me pay off my car. This is unethical and illegal both! 


Account XXXX XXXX thanks, XXXX XXXX

Company response to consumer: Closed with explanation