BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and 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 inquiries 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 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: U.S. BANCORP
State: CA
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:
US Bank reported my loan as over 30 days late when it was being paid off. 
It has been paid in full. I have not been able to get help from US Bank. I mailed a formal request in with documentation and no one has contacted me. I have submitted a claim on XXXX and it was not removed. This mistake has destroyed my credit score unnecessarily. I was simply paying off a HELOC with another one. XXXX XXXX requested a payoff from US Bank, then there was a small amount due left over due to an inaccurate payoff being provided, and I immediately paid that. There was zero reason why a mortgage late should have been reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with 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 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. Has 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 : It alsos states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse items of information, other than records of convictions of crimes which antedates the reporting by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I've been reporting crimes that took place at Robinhood to support and they have been gaslighting me and writing irrelevant responses. Robinhood needs to be immediately shut down and liquidated to repay creditors. Executives like " XXXX '' need to be arrested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Investigation took more than 30 days

Complaint:
This company continues to report inaccuarate information that mislead any creditor to deny me for a loan. They said they verified the information but can never show me the procedure or answers i asked in my letters

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 2023-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
XXXX XXXX  sent me an offer for 0 % interest rate for balance transfers. So I opened an account on the offer code sent to me via mail. I once account was open I used the balance transfer of {$10000.00} from my Bank America account to XXXX account. That was XX/XX/XXXX, that the balance transfer was confirmed by XXXX. Weeks go by Bank of America reflects no reduction of the transfer amount of {$10000.00}. I call XXXX and they stated they sent the funds to Bank of America. XXXX instructs me to call Bank of America as the issue is on their side. I call and Bank of America says no they did not receive the funds to call XXXX. Call XXXX back and told the funds are sent and will hit my Bank of America account in a day or two. I wait a week nothing. I called both banks several times including XX/XX/XXXX when Bank of America agent states they see the {$10000.00} funds disputed and unsure why and what. But then not shown in transactions. She was confused and sent me to the transfer department directly. Transfer department says no nothing there and no dispute to go to XXXX bank. Got nowhere with either bank then. Called again a day later and told by XXXX to verify the account I do so and mention it was several times. Person at XXXX says the issue is the wrong account info given. Total lie but ok as it was verified several times prior in phone calls to XXXX. I call on XX/XX/XXXX to both banks and get nowhere. I am told by XXXX here is the tracer number bank America can look it up and XXXX sees it and verify funds went to BOA. Tracer # XXXX. I was asked XXXX XXXX  for a confirmation of funds transferred and was told it will take 24-48 hours for that department to send me the record receipt of funds transferred. After asking twice for that confirmation on XX/XX/XXXX I got an email from XXXX that stated transfer was successful but dated XX/XX/XXXX. Having that tracer number and my customer ID XXXX. I call the banks both again and told by Bank of America they opened a dispute case on this and I would hear back regarding this situation. I have not and it is nearing a month now. I have been stuck in limbo since XX/XX/XXXX showing a credit card debit doubled what it is. My credit score fell XXXX points due to all this. I am in the process of purchasing a motorcycle and this has directly impacted me and me monetarily at this point. Neither bank will help and both tell me to go to the other bank.

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 2020-12-21
Company: CBC Companies, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Chapter XXXX Bankruptcy # XXXX This is not my public record ftc Chapter XXXX Bankruptcy # XXXX This is not my public record ftc Chapter XXXX Bankruptcy # XXXX This is not my public record ftc Previous Address XXXX XXXX XXXX XXXX XXXX TX XXXX -- to be removed --

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Synchrony Bank stopped sending me paper bills. I do not do online payments. Never have. I started not getting bills, once a new card was issued adding my husband. I started in XXXX getting emails, stating account was delinquent. Made numerous calls requesting a bill. In XXXX, I requested and finally go a paper bill... We paid the entire amount. Now, in XXXX, I get a notice stating we owe {$1200.00} I requested a paper bill yet again, on XX/XX/XXXX. They said they can not give full bills... Just the delinquent payment. I have requested that this account be closed, back in XX/XX/XXXX and have since destroyed the cards. I need to see if someone is using this card because it is not us. We were hacked back in the fall of XXXX and I want to make sure this is not part of that incident.

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 2022-07-08
Company: EQUIFAX, 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:
In a accordance with the fair credit reporting act XXXX  account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 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 2023-01-21
Company: Kikoff Inc.
State: MD
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:
'KIckoff is reporting information again not Condusive to 15 U.S.1681a ( 2 ) ( a ) ( i ) Exclusion of Transactions and Experiences Particularly Late Payments as so much No Written Authorization Given to Disperse Information to Various Agencys, Bureaus and the Likes ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: CAVALRY INVESTMENTS, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying for years to resolve this debt with this company. I have sent many letters and calls asking them to provide in FULL detail their claims I owe the amount they are requesting me to pay. This debt is from XXXX  and was bought out from another debt collector. I have asked to provide me ALL transactions with my signature of all purchases totaling the amount owed. All they sent were copies of only a few months before default. I am disputing the amount owed to Cavalry Portfolio Service due to them not proving the TOTAL amount owed and their continued reporting to Credit Bureaus of current monthly status to keeping account open. They have damaged my credit and reputation. I am writing to your office to please help me resolve this clear violation of my consumer rights by Cavalry Portfolio Service. They are unfairly and inaccurately reporting on my consumer report and it is negatively affecting my character, my mood of living, and my general reputation. I have been damaged as a result of their unfair and inaccurate reporting. I have exercised my specified remedy, notice of debt violation, ( Pursuant RegulationF,12 CFR 1006 ) many times with no response. I sent a notice of debt validation ( Pursuant RegulationF,12 CFR 1006, 15 USC 1692 ) as well as cease and desist all forms of communication with me pursuant 12 CFR 1006 ( c ) ( 1 ). Cavalry Portfolio Service has violated my rights pursuant 12 CFR 1006.34 ( c ). They have failed to provide all the required Documentation as per my request under the new rule Regulation F and validation of debt. the law is explicitly clear, and Cavalry Portfolio Service Debt validation period has ended LONG AGO and they FAILED TO PROVIDE ALL REQUIRED validation information AS PER LAW 12 CFR 1006.34 ( c ) Validation information. They are still trying to communicate with me through furnishing unfair and inaccurate information on my consumer report. ALL collection activities on this ALLEGED DEBT that they FAILED TO PROVIDE MUST BE DELETED immediately. Please help me by assisting me in resolving this clear violation of my consumer rights by Cavalry Portfolio Service reporting the collection and the disputed status on my Consumer report with a DELETION IMMEDIATLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
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 2021-05-14
Company: EQUIFAX, INC.
State: VA
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:
having my information taking by some and them using it to demolish my good name credit report is a problem i have been trying to fix and i am hoping submitting this report will help to removed and prevent my identity to never be stolen and for someone to be able use it again.. please help by removing those bad debt of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: MI
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 called Equifax to remove multiple inquiry 's that I did not give my permission to be on my customer report. They sent a letter XXXX, XXXX, 2021 stating that it will not be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A few months ago I went online to check my accounts. One of my credit cards had a balance of {$7800.00}. Called Bank disputed the charges. Looked at my other credit card, {$2500.00} worth of fraudulent charges. I called Bank reported it. At this time I withdrew all my funds from the bank. I can no longer trust a bank that does not protect the finances of their customers. The bank supposedly has been working on these fraudulent charges for quite a few months. I am extremely livid about what has happened. During this time dealing with the bank has been extremely difficult. I have suffered emotional stress significantly based on the situation. Drink all this time I have tried numerous upon numerous times to call the bank and find out the status of the investigations. Each and every time I have called, I get put through department to department of department only to get extremely rude customer service that talks over you and does not listen to the customer. I can no longer speak to this bank or call them based on emotional distress. I also filed a dispute and a charge of {$130.00} back in XXXX. I was told if the merchant does not reply within 60 days that money will automatically come back to me. It is the end of XXXX, I have yet to see the funds. One representative says the credited my account with the I asked how they can credit an account that's not there as it's been closed. No answer. I talked to another rep, she said the account was closed so they sent it back to the merchant. Two different stories. At this point I do not care who's got the money. I am really becoming quite ill in dealing with the situation. It is now affecting my health none of this is necessary. If Bank of America would do their job and protecting the finances of their customers, this would never have happened. I do not trust Bank of America with one red cent. I want nothing to do with this Bank whatsoever.

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 2023-04-27
Company: Nelnet, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I DO NOT CONSENT TO YOU SHARING MY PRIVATE INFORMATION WITH THIRD PARTIES, INCLUDING BUT NOT LIMITED TO, CREDIT REPORTING AGENCIES AND OTHER COMPANIES. I DO NOT HAVE BUSINESS WITH THOSE COMPANIES AND I DO NOT CONSENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
PHH, my mortgage company, added a {$500.00} charge for a " Special Assessment '' in XXXX. 

I never approved this charge or appraisal. 

I also was charged {$30.00} for a payoff fee. 

I never approved this charge, either.

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 2023-02-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
RE : Property Address : XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX Loan # : XXXX Borrower ( s ) : XXXX and XXXX XXXX We originally opened a HELOC with XXXX. Loan was transferred to XXXX. 
Full payoff in the form of a bank check was sent on XX/XX/XXXX and received by XXXX on XX/XX/XXXX ( see attached proof of receipt ). Check was cashed XXXX XXXX XXXX ( see attached ). 
XXXX ) XXXX has listed the account on my credit report as charged off. According to our records the account was never in charge off by either XXXX or XXXX. I would like this corrected on my credit report. 

XXXX ) The XXXX release letter lists XX/XX/22 as the payoff date. This should be corrected to XX/XX/22 when the check was received as per the attached documentation.

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