BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX  I logged into my account to see the charges to make an extra payment on and above the monthly auto recurring payment and noticed that three disputed charges including two {$29.00} and XXXX cents from an unknown merchant were reposed to my account by Capital One I contacted Capital one and was told that on XX/XX/XXXX   a notice was sent to my capital one account dashboard to which I failed to respond. I was logged in while speaking with the representative and told her that I don't see any notices, did not receive any emails, no phone calls nor received any letters requesting more information. 

Please see 3 attached snap shots of my dashboard I asked the representative why don ' they send a simple encrypted email or a letter or just call my cellular? then she hung up on me. 
I called again & spoke with another rep who told me the same story and again I stated that there was nothing in my dashboard and asked to be connected to a supervisor. 
XXXX, a supervisor also insisted that a notice or letter was sent to my capital one dashboard on XX/XX/XXXX  and refused to give me her last name, office telephone, extension or employee ID nor her supervisors name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: EQUIFAX, INC.
State: WI
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, Equifax, and XXXX are all reporting a bankruptcy on my credit profile which XXXX XXXX deleted. I received bankruptcy letters from the courts stating that they do not submit information to the credit bureaus and I sent that same letter to XXXX XXXX and they deleted it from their system. I notified the all three credit bureaus multiple times and gave them the letters from the bankruptcy court and XXXX XXXX but they still are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our mortgage, and in a letter dated XX/XX/XXXX, Freedom Mortgage ( our initial mortgage company ) confirmed that the loan had been paid off. I failed to stop automatic drafts and we had an escrow balance, so the company owed us {$4900.00}. The check did not arrive, so I contacted the company in XXXX, fearing that the check had been stolen from our mailbox or not delivered to the correct location. In this phone call, I was told that the company would stop payment on the initial check and reissue another one. This check never came, so I called again on XX/XX/XXXX. In this phone call, I was told that the person who handled my first inquiry in XXXX wasn't actually able to initiate a reissue of the check, since it hadn't been 30 days since the original check was issued. Evidently this problem had been disregarded, no one followed up with me, and no check was set to be reissued. On this same XX/XX/XXXX phone call, during which I spent roughly an hour on the line, the Freedom Mortgage representative set up yet another reissue. I requested that this check be sent certified mail ( which I said I would pay for ) so it could be tracked, and they said that was not possible. I asked if I could be notified when the check was sent, and they also said that was not possible but I could call again 48 hours from that phone call to follow up. I called back on XX/XX/XXXX, and the representative said that the new check was to be dispersed no later than XX/XX/XXXX and I could call back to check again. I called for a fourth time on XX/XX/XXXX, when the check had not yet arrived, and the representative confirmed that the check was mailed XX/XX/XXXX, and my only recourse was to call back again on XX/XX/XXXX to have it cancelled and reissued again. 
There is no place on their online portal to handle an issue like this in a timely manner, so it seems that my only option is to sit on the phone for extended periods of time. I have received all other postage without issue from Freedom Mortgage for the duration of our time as customers. I was told that the only way for this company to get our money to us is through a check sent in the mail. It has now been nearly four months and the company has failed to provide the money we are owed.

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 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 15 U.S.C. 1681 SECTION 602 A. States that 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 an 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 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 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 2019-01-02
Company: ERC
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: Old information reappears or never goes away

Complaint:
It was reported on my credit that i owed XXXX XXXX XXXX XXXX dollars. it was reported on XX/XX/2018. The company XXXX XXXX has taken over the debt. i have since called the company between the dates of XX/XX/XXXX-XX/XX/XXXX can't remember exact date, but i called and asked if i paid off the debt will it be deleted off my credit report. i was told yes but i would have to pay in full. so i did pay in full and the money pulled out of my bank account on XX/XX/XXXX. i was then told by my credit fixing company that it shows paid but the company is still keeping it on my account. i called on XX/XX/XXXX and asked the enhanced company why is it not deleted off my account i was told they don't delete but they do show its paid in full and kept on the account. i then explained to them that's not what was originally told to me and in fact it was stated that my account would be cleared. i then told them due to this my credit score will remain in a negative light and i wasn't sure why if my account is cleared of the debt why can't it be deleted. again i was told they don't delete items off the accounts, they just say it was paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: RAYMOND JAMES BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage was transferred to Raymond James Bank a few months ago. 

They sent me a letter telling me that my mortgage has changed to them and asked for my bank account info for payment - which I found suspicious since the loan number was different and I hadn't received anything saying Raymond James Bank was my new lender from my existing bank ( XXXX ). They had said my loan would be transferred to " XXXX XXXX XXXX ''. 

I called RJB to figure out if it was legitimate or fraudulent. They had the right info about my existing loan so I ended up setting up my account and signing up for automatic payments over the phone. 

Then a couple months later I got a notice in the main that my account was delinquent. I called and it turns out that the automatic payments wouldn't kick in for 2 months ( which they never told me on the phone ), and once the payment was missed, the automatic payments were cancelled too. 

After calling I immediately paid the balance and called back to verify it wouldn't be reported as late to the credit bureau, but it turns out they had already sent the delinquent status to the credit report. 

They promised that they would fax letters to the credit bureaus to remove the negative marks, but that was several weeks ago and the negative marks still remain on the credit report. 

I've emailed and called them several times and still have gotten no response from them about the issue with my credit being resolved. 

The RJB online presence is extremely dated and difficult to navigate ( e.g. to tell what the outstanding balance is or set up automatic payments ). In this case my flawless credit of XXXX dropped nearly XXXX points due to mix ups in their payment systems that weren't communicated to me, and now several weeks after I've paid the balance and discussed the credit issue with them they've failed to address it with the credit bureaus.

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: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is HRRG # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, HRRG failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) HRRG failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation HRRGis held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where HRRG is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. HRRG has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2023-07-27
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company 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 2023-01-04
Company: Experian Information Solutions Inc.
State: LA
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 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. 

Account XXXX / Account XXXX XXXX. XXXX Bank # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Bank XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX Services # 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 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 item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2021-11-23
Company: OPORTUN 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: Credit inquiries on your report that you don't recognize

Complaint:
On Monday XXXX XXXX, 2021, I attempted to see if I prequalified for the OPORTUN XXXX Credit Card. On the website, www.oportun.com it states explicitly that checking for prequalification will not require a hard inquiry which would impact your credit score. It explicitly states that only a Soft Pull would be performed! 

However, after supplying my personal information which was required to confirm my identity, I received a text to my phone with a link to confirm my identity and upload documents. Then I was led to page that said my application and documents were under review. I never submitted any documents nor was I ever told if I was prequalified or not! Yet I was then notified by XXXX that a hard inquiry had been made on my credit file! I did not authorize any hard inquiry. 

Oportun XXXX Credit Card is engaging in predatory lending practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$94000.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$94000.00}

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX and transunion AND FICO CORPORATION REFUSE TO ADJUST ANY OF MY CREDIT SCORES AND ARTIFICIALLY, AND WITH MALICE, DROPPPED MY CREDIT SCORES AT FICO EARLIER THIS YEAR AND ARE KEEPING THEM ARTIFICALLY LOW DESPITE OVER A YEAR OF ON TIME MORTGAGE PAYMENTS, 4 YEARS OF ON TIME CREDIT CARD PAYMENTS, AND NO OTHER LINES OF CREDIT OR PROBLEMS ON MY CREDIT REPORT!! MY SCORES ARE LOWER THAN THEY EVER HAVE BEEN DESPITE YEARS OF ONTIME PAYMENTS AND NO DEBT!! THIS IS XXXX, DISCRIMINATORY, AND DISCRIMNATES AGAINST XXXXXXXX XXXX XXXX PEOPLE, AND XXXX PEOPLE LIKE ME!! FICO, AND THE THREE CREDIT BUREAUS ARE DOING THIS INTENTIONALLY, LIE TO THE PUBLIC, DISGUISE THEIR SCORING MODELS, REFUSE TO CREDIT YEARS OF ON TIME PAYMENTS AND DESTROY PEOPLES LIVES!! INVESTIGATE AND PROSECUTE XXXX, XXXX AND TRANSUNION AND THE FICO CORPORATION FOR THEIR FRAUD AND ABUSE OF THE CONSUMER!! STOP DAMAGING MY ABILITY TO PUT A ROOF OVER MY HEAD WITH YOUR ARTIFICALLY LOW XXXX DISCRIMINATORY CREDIT SCORING MODELS!! YOU DO NOT KNOW HOW MUCH INCOME I HAVE AND ARE ARTIFICALLY KEEPING MY CREDIT SCORE EXTREMELY LOW FOR NO REASON YOU DISCRIMINATORY XXXX  CORPORTATIONS!!

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 2021-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
two fraudulent accounts were being reported on my credit as having a balance due with Capital One. i disputed the items with all credit bureaus including XXXX. the accounts in contest were deleted from my XXXX  report on XX/XX/21 after investigation. 
the items have now been reinserted which is a violation of the FCRA. the amounts of the accounts are for {$3300.00}, and {$11000.00}. all documentation has been provided to XXXX, and to Capital One through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, Experian, and XXXX all claim they verified my backruptcy from the courts and the court stated that they don't verify bankruptcies to the credit bureaus.

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 2023-05-03
Company: EQUIFAX, INC.
State: AZ
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:
Please delete these fraudulent accounts from my credit report as they do not belong to me and I have no knowledge of them. As per the provisions of USC 1681g, I request that you remove them from my report within 15 days. I have attached the necessary documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My MoneyGram account was canceled for no reason. I have used the mobile application for a couple of years sending money to my relatives. I used the account recently a couple days ago tried to use on XX/XX/2021 to find my account was blocked. I called to request the reason for such action they refused to disclose. Please investigate to avoid hardship for my relatives abroad that rely on my remittances.

Company response to consumer: Closed with explanation