BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
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:
I pulled my report and still see the accounts that I have been disputing appearing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is clearly a violation of my rights and demand that these items be removed on my credit report ASAP.

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 2020-12-14
Company: EQUIFAX, INC.
State: OH
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 a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
in whole, I filed BK in XX/XX/2017, XXXX was the mortgage company at the time, the were supposed to reaffirm my mortgage loan with my attorney. I found out about 3 weeks ago that the loan was never reaffirmed at the BK filing/hearing in the courthouse, and XXXX transferred the loan to Freedom Mortgage. I have been making payments for 3 years to Freedom mortgage and they never reported any of the payments to the credit bureaus. so I have been going round and round with my XXXX XXXX Attornery, BK courthouse, mortgage company on the fact that reaffirmation was never filed, everyone dropped the ball, and the repercussion is, no credit reporting to the bureaus which means this has not help to rebuild my credit!!! and noone cares to fix this grave mistake, then I find out that due to no reaffirmation, legally speaking I am not responsible or obligated to even pay the mortgage because it was part of the BK filing discharge!!! but I have been paying for 3 years!!! I need serious help here ... .please assist or if you can refer an attorney of someone that can help me with this disaster!

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 2022-03-14
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I went on forbearance with US Bank because I was laid off due to Covid. I began talking with US Bank in XX/XX/XXXX to begin the resuming my mortgage payments. I was told that I was in a plan, it was unclear as I did not select it. Every month I called and was told everything was ok and it was. After discussion they said they had to cancel the current plan ( not clear what it was ) to put me on a new payment plan. That plan was described that the payments would go onto the end of the loan. They wanted me to start payments in XX/XX/XXXX. I paid XXXX by phone but there is no record of the payment. I was told I could make a payment any day of the month. The XXXX payment was made on XX/XX/XXXX for {$860.00} but US Bank does not show it as paid. I made 2 payments on XXXX XXXX ; 1 for XXXX and the other for XX/XX/XXXX. The payments cleared my bank on XX/XX/XXXX for {$850.00} and XXXX XX/XX/XXXX for {$830.00}. US Bank does not show these as paid. On XX/XX/XXXX I became aware when I met with US Bank mortgage loan originator XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX branch that my loan was sold to XXXX XXXX XXXX She looked for my missing payments but was unable to find them. She said she had never seen anything like this at US Bank. XXXX XXXX XXXX has no record of the payments. I am shown as being delinquent in payments that I made that no one can locate. XXXX XXXX seems to be moving towards foreclosure but speaking with them is nearly impossible. I did manage to speak with XXXX XXXX on XX/XX/XXXX. She said my loan was " in flight '' so they did not have access to the information but I was not to worry. On XXXX XXXX, XXXX I made a payment via phone for {$830.00}. XX/XX/XXXX I called to be sure my XXXX payment was on track. I spoke to a XXXX who said my payment was returned on XX/XX/XXXX, I do not know why. I said I have the funds and would like to pay it but he advised me not to as it would only go to the end of my debt. One of the two banking systems has {$2500.00} that I paid in good faith.

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 2021-10-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX fico  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. XXXX XXXX  say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Colony Brands, Inc.
State: AL
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:
This insignificant company -- Ginny 's -- is reporting that I had a 39-day late on an item I never received in which it agreed back inXX/XX/2020 that there was an accounting error. I have demanded this item be removed from my credit report but each time I dispute XXXX lies and states it has been investigated and no update. CORRECT YOUR MISTAKE GINNY 'S AND DELETE THIS BOGUS ITEM. XXXX 's latest investigation : Date Submitted Date Completed Results XX/XX/XXXX XX/XX/XXXX View Dispute Results According to XXXX an investigation was completed in two days. There was no investigation done in two days. This bogus item from Ginny 's should be deleted immediately. I have never, ever had a 30-day late on any of my accounts with many that have been paid in full. I am surprised at Ginny 's because on record I am an excellent paying customer and often paid in full and keep receiving automatic credit line increases without requesting. I hardly ever use this card because I have other major credit cards that are often paid in full -- no lates, no missed payments. XXXX is the only credit bureau that is reporting this bogus information. It is so irritating that this bogus information will sit on my credit report for 7 years. I will never accept this!!!! The only adverse account I have had in over 10 years. Unbelievable!! Ginny 's are aware they are reporting bogus information because I contacted the CEO back inXX/XX/2020 and not sure why the accounting error has not been corrected -- the start of the pandemic. XXXX has a track record of reporting bogus information and refusing to due proper investigations and follow FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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 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 non-monetary relief
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
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: 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 items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: SECURITY FINANCE CORP
State: WI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/XXXX I checked my credit report on XXXX and seen that I had a open loan for the amount of {$1300.00} from Security Finance Corporation with a monthly payment of {$150.00} a month. I have no idea about a loan and I never did an application for a loan or received any money. On XX/XX/XXXX I called Security Finance Corporation and was transferred to XXXX to do a fraud dispute. XXXX informed me that Security Finance Corporation purchased my information from XXXX and sent me a check in the mail. I informed her that I never authorized any form of a loan nor did I receive a check. I asked her if this was illegal and she said it is not. XXXX said the next steps was for her to send me an affidavit and have me sign it and get it notarized at Security Finance Corporation at XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX and then they would investigate the situation. XXXX told me she would call me back in 2 days from XX/XX/XXXX when the affidavit was ready for me to come and sign at their XXXX office location.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to dispute the consumer report inquiries conducted on my behalf without explicit permission. I did not authorize of any such investigation, and I request immediate deletion and clarification of this matter. I have filed a complaint with the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: ALLY FINANCIAL INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made a payment to Ally Financial on XX/XX/2022 via tendering a postal money order XXXX XXXX TENDER OF PAYMENT. and my postal money order was dishonored and returned to me and they not state the reason why it was not honored and accepted

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 2020-03-04
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received in the mail an unsolicited and unwanted credit card, apparently affiliated with a timeshare. I did not activate the card. 
I was shocked to subsequently receive a billing statement in XXXX albeit with XXXX  due amount. I called the company to ascertain what exactly happened. I notified the company, Barclay bank that I neither was informed of any credit card application ; nor authorized ; nor signed any application. 
I spoke to five different employees, one twice ( XXXX ) in Customer Service, Fraud, and a Supervisor. I was appalled to learn Barclays perspective - that the timeshare company ( Wyndham  ) has the opinion I authorized the card. 
Not only have I received negative impact to my credit score by issuing this card fraudulently, cancelling it becomes another adverse credit event. This is unacceptable, and I seek your assistance to rectify this atrocious conduct.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I recently contacted you about a bankruptcy showing on my credit report. You responded back that it was " updated '' after your investigation. Now I am wondering if you really did an investigation at all. The information is the same. What exactly did you update? I have already contacted the court and in their letter, they stated they do not provide information to credit bureaus. The court is the original source to verify bankruptcy information. I also looked in XXXX as well. I know that you did not do your due diligence in " verifying '' this information because you have the name of the courts wrong. Can you please provide me with the name of the furnisher you verified this information with, who you spoke to, and the dates you contacted them? I would like to know how and where you verified this inaccurate information that is reported under my social security number on my credit file.

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 2021-10-15
Company: EQUIFAX, INC.
State: CT
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 disputed for 4 months with no results andy rights being violated as a consumer. I found multiple inaccuracies and FCRA violations which i brought to each bureau 's ( XXXX, Equifax and XXXX ) attention and Not only did they not delete these accounts but they never sent me a response at all within 30 days after receiving my disputes. 

I have attached the accounts with all the violations listed with pictures of these as well. 
According to THE FCRA these accounts must be deleted but for some reason these companies think that they're above the law and dont do what is required of them. 
These accounts are creating damages in my personal and financial life due to their false reporting and I need it fixed immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: WELLS FARGO & COMPANY
State: IL
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:
Ive been complaining to Wells Fargo auto for 5 months now about my balance for my car 5 months ago the balance was XXXX its still showing XXXX as of XXXX I went over and Beyond to make double payments to change my debt ratio.

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX and Dept of EducationXXXX XXXX XXXX  XXXX XXXX XXXX ) and XXXX XXXX XXXX All of the proof of these accounts are provided in the attachments The following have violated my rights.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 instructions15 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 2020-12-14
Company: ALLY FINANCIAL INC.
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:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, GA XXXX SSN : XXXX DOB : XX/XX/XXXX File : XXXX Re : Account : Ally Account XXXX ( Under maiden name, XXXX XXXX XXXX ) To Whom It May Concern : Ally Financial continues to report incorrect information on my credit reports. This was a car loan for a car that was a total loss in an accident and paid by my own insurance, and by GAP insurance provided by the lender. When the loan was paid off, I received an overage check that is attached. This should serve as proof that the account is paid in full, not charged off and should have no late payments since the payoff date of XX/XX/XXXX. 

Please remove this item from my credit report using the attached canceled check as proof of payoff. Thank you. 

Sincerely, 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 2023-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I received a text message from capital one automated text asking if I authorized a {$100.00} payment from XXXX. I replied back no. On XX/XX/XXXX I received a text saying it was charged. Upon further investigation on my part capital one has been paying XXXX for 5 years with a card that has been expired since XXXX, that they have on file. I have not been using XXXX as I have no reason to. I rarely use my home laptop and when I do it is for XXXX projects. I called the fraud department on XX/XX/XXXX and spoke with a rep and a manager. After discussing the situation thoroughly, I learned that XXXX only has to charge the expired card and get rejections 5 times and on the sixth time the transaction will be approved. At the conclusion of this call I was told that all of the charges would be investigated. Apparently the investigation has already been concluded and the previous years charges were not removed. I have never been able to any type of credit nor debit card passed the expiration date and I do not believe that I should be responsible for Capital Ones faulty system. I filed a complaint with capital one 's complaint department and the XXXX XXXX XXXX I was told by capital one that master card would provide XXXX with new cards credit card numbers when customers cards expired. I do not think I should be liable for the following charges : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Each charge was XXXX. My interest rate is 28.15 % so each year the charges totaled XXXX. The total for XXXX years was {$1800.00}. I don't think I or any customer should be liable for charges to an expired card that master card and capital one authorize.

Company response to consumer: Closed with explanation