BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-10-04
Company: DISCOVER BANK
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reported fraudulent transactions to Discover and disputed it. However on XXXX, XXXX and XX/XX/2018. They are reporting that I was late on payments. I was never late on payments for this card. I am requesting Discover correct this mistake as it has advesrly affected my credit opportunities. Discover has been non-complant thus far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I previously filed a complaint. XXXX The response was that I would have to open a completely new account at a branch. According to the Capital One website, this will have to be done in an official branch which I do not have access to. This can not be done at a CapOne XXXX. There are no branches in Washington state, nor within 50 miles of XXXX, OR which is a 2 hours drive from my home. How is this a legitimate answer/response to my request for Online Bill Pay which I had when I opened my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1. Payments made to NationStar in excess of the monthly mortgage amount have incorrectly gone toward interest, rather than 'principal only '. This occurred in XXXX and XXXX, XXXX. I was assured each time that amounts above the monthly payment would be applied to principal. These had later been reversed until XXXX, XXXX. I advised NationStar, in advance, of a large, principal only paydown ( set for XXXX/XXXX/XXXX ). This was incorrectly applied on XXXX/XXXX/XXXX. The reversal was not applied until XXXX/XXXX/XXXX. 
2. I desire an independent audit of the loan history since the XXXX transfer from XXXX XXXX XXXX to ensure that the current balance due is correct. My intent is to verify the payoff balance and transfer the balance to another lender via a HELOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: AR
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 XXXX XXXX XXXX and I am submitting this complaint myself. These items are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? These mentioned items should be deleted right away : 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 2023-06-24
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX XXXXXXXX, Account Number XXXX. 
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX, Account Number XXXX. 
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX, Account Number XXXX. 
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX XXXX, Account Number XXXX. 
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX, Account Number XXXX. 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE ACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: Experian Information Solutions 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:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, INC.
State: NY
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:
My personal information was stolen in XXXX, since then Ive been seeing unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like the following fraudulent accounts and inquiries removed from my credit report immediately. 

XXXX XXXX XXXX Account number : XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX US SM BUS ADMIN ODA Inquiry XXXX XX/XX/XXXX 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 an account without my handwritten instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: NATIONSTAR MORTGAGE LLC
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have authorization to represent XXXX XXXX XXXX and XXXX XXXX XXXX XXXX concerning their mortgage with Nationstar Mortgage. This authorization is notorized and I can provide a copy. The Nationstar Mortgage company is trying to get XXXX 's to sign documentation without any explaination to what or why they need the documents signed. The email I have acknowledging my authorization is from XXXX XXXX, Government XXXX XXXX, phone XXXX. But I can get no answers for my client and the contact phone number only offers me a XXXX XXXX card if I qualify. 
You may contact me for the proof of documentation. XXXX XXXX, XXXX, XXXXXXXXXXXX, phone XXXX. I am trying to serve a client who needs help. 
Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2023-10-04
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received 2 collections charges on my credit report from collection agency called Ability Recovery Services for the amounts of {$890.00} and {$940.00}. The original charges occurred from the company XXXX XXXX XXXX. The collections account was opened on XX/XX/2023. I have filed a police report and an identity theft case. I reported this fraud to XXXX online and over the phone to XXXX XXXX XXXX and to Ability Recovery Services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-05
Company: Experian Information 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: Information belongs to someone else

Complaint:
I TRIED TO GET EXPERIAN TO REMOVE FIVE ITEMS IN MY CREDIT FILE WITH THEM WITH NO AVAIL, THEY LIED, SAID THAT WOULD INVESTIGATE, THAT WAS A LIE, I KNOW THAT THEY DID NOT INVESTIGATE, BECAUSE I HAVE TWO ACCOUNT WITH XXXX XXXX, ONE WAS JUST ISSUE TWO WEEKS AGO, THEY NEED TO REMOVE ALL ACCOUNTS THAT ARE ON THE BOTTOM REPORT # XXXX DATED XX/XX/20 THAT HAS BEEN UPLOADED TO CFPB.

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 2018-09-25
Company: Eagle Financial Services, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX, I went to XXXX and needed {$700.00} to fix my car. I did not have the funds to fix my car and the repair person gave me a referral to XXXX  XXXX. I called the phone number. I do not remember the person explaining that they were going to pull my credit report. but it was pulled. They wanted to give me a car title loan. I knew that I did not want a lien on my vehicle. 

I use XXXX XXXX and saw the hard inquiry on my credit report. I have been working with a local, non profit credit counselor and we discussed this hard inquiry. 

Later in XXXX, another hard inquiry from XXXX  XXXX  from XX/XX/XXXX. I definitely did not call or talk to them about this inquiry. In speaking with XXXX, the Branch Manager, at Eagle, he says that I called him. I did not. 

I was upset enough about the first hard inquiry in XX/XX/XXXX, I definitely did not contact them again in XX/XX/XXXX. XXXX also stated that the reason I called for the loan was due to BILLS. I do not need money for bills. 

I asked XXXX if he could go back and listen to the recording of these phone conversation and they do not have recordings of their conversations. 

Yes, I got phone calls and yes, I got letters. I did not contact them again once I found out that they wanted to put a lien on my old XXXX XXXX XXXX. 

I have disputed both hard inquiries through XXXX  and XXXX. XXXX took them off. XXXX  states that they stand due to XXXX XXXX  stating that I am the one that initiated these loans. I called the Branch Manager to see if he could assist me and he insists that I called in for the loan in XX/XX/XXXX. I know that I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
Opportunity financial is still showing up on my credit report as a charge-off they agree to take it off if i settled with them and i did just that a year ago Ive sent plenty of certified letters and got no responds.it is reporting on all three of my bureaus XXXX XXXX XXXX finance is reporting a late payment of {$570.00} From XX/XX/2022 i was never late with that payment and I've sent at least 4 certified letters so they can correct it and they never did it is reporting on all three of my bureaus XXXX XXXX is on my credit report and they agreed to remove it if i paid in full and they never did it recently i was able to get it removed from my XXXX but its still reporting on my Equifax and XXXX list of tracking number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: LA
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 being violated by the Credit Monitoring Service Equifax and XXXX XXXX. I have been requesting verification and validation from these companies since XXXX XXXX but they continue to ignore me, adding negative remarks on this charged off account, and responding that this account has been verified but never sent me any proof of the investigation process used to verify this debt which is illegal. Each month these negative remarks are hurting my credit and is a defamation of my character because I have been denied employment, housing, and credit which have caused me embarrassment and terrible XXXX.  This has caused me a financial hardship which affects me being able to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Maximus Education, LLC dba Aidvantage
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:
I have XXXX  loans with XXXX College in which the POTUS has forgiven the loans. I have disputed the remaining loans on my credit report, but without any luck they remain there, on all 3 reports. When I look at financial aid website, they are not there so I know for sure they have been forgiven. I need this taken care of. I am a XXXX veteran, so as soon as I can get those abolished I can apply to get the rest them discharged. I am currently trying to buy a house, but with XXXX in XXXX  loan debt on a fixed income, that is not going to happen anytime soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: CarMax, Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello On XX/XX/2021 I made a final payment of {$6000.00} to CARMAX Auto finance to settle my debt. In our agreement this would be reported to all of the credit bureaus so that the information could be properly updated and the negative status of charged off, closed as bad debt, and any other incorrect negative status. Could be removed. 

Since that time I have applied for credit cards, auto loans, and even a mortgage with the results being that I am not accepted due to a negative status account on my credit report. One company even directly told me that it is the status of the CARMAX account that is hurting my ability to be approved. I have listed the status that is being shown from each bureau which has negatively impacted my life. 

I have a documentation letter stating that this debt has been paid per our agreement and it will be reported properly. 

Parties involved. 
CARMAX AUTO FINANCE XXXX - CHARGE_OFF XXXX - Account paid in Full was a Charge-off XXXX - Paid in settlement. {$20000.00} written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone stole around XXXXXXXX XXXX from my Wells FARGO debit card. I contacted Them and nothing was done to get my funds back to me. I was only giving this claim number 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 2023-08-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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 XXXX of XXXX my wife and I purchased a door at Lowes in XXXX NY ( all aspects including installation cost ) for our home, current door needs to be changed plus we had a family gathering was scheduled for XXXX of XXXX. After months of excuse delays, up to and including days of delivery of back of forth with manager ( XXXX ), who exclaimed " what, do you want me to give you a free door '' ; another supervisor and or store employee, " do you want me to go make you a door myself '' This, in an attempt to see if the manager would rush the order and or consider discounting the purchase for the missing delivery multiple times within/by a month. To which He ( XXXX store manager ) replies, '' trust me I will discount it, but you have to take delivery '' I ask what would be the discount %, he refuse to say, at which point, I said forget entire purchase, the discount and refund the account. On XX/XX/XXXX, 2 days after I ask for a refund, XXXX emailed me a scanned copy of refund receipt. To date XX/XX/XXXX, after 3 dispute attempt with Synchrony and over 25 phone calls and emails from Lowes Synchrony Bank harassing me, I am being ask to pay outstanding balance of XXXX due XX/XX/XXXX for a door purchase that I NEVER TOOK DELIVERY FOR. I have saved text, voice message, dozen of emails and it they keep on coming. I want the harassment to stop, I want my account brought current and compensation for the XXXX filled stress of opening my email and seeing call from " Synchrony '', the argument this cause between my wife and I and effect this have on my credit. Please help.

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 2023-11-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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 had written XXXX about this issue and they refuse to remove this hard inquiry off my credit report, I explain to them that its illegal to report hard inquiries on someone report with out there consent or proof of documentation. Which XXXX XXXX fail to valid any evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Ive been trying to use their American Express Amex gift cards and all I keep getting is declined! Ive had a XXXX dollar XXXX and now a XXXX dollar one and everytime I try to use on online orders I get denied and authorization charges. I cant seem to find any help either regarding this

Company response to consumer: Closed with monetary relief