BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
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:
I am a victim of Identity theft. I have enclosed and Identity theft report an a letter citing all the fraudulent accounts on my credit report. Under XXXX XXXX XXXX, I demand you to Blocked and Removed these items on my consumer report. You must notified the furnisher of this information that I have filed an Identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, 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:
upon reviewing my credit report I discovered a XXXX XXXX XXXX XXXX  that is reporting inaccurate information reporting 30 day late payments for XX/XX/XXXX and XX/XX/XXXX thus causing me great hardship and damaging my credit score the card is reporting late to XXXX, XXXX and EQUIFAX I have called them several times I spoke with manager named XXXX XXXX ID XXXX on XX/XX/XXXX he confirmed that no late payments where made in XX/XX/XXXX or XX/XX/XXXX he they the incorrect information would be updated and upon checking it still has not. I want I need this information updated As Soon As possible these accounts need to be updated as paid as agreed and opened on time. upon reviewing my credit report I discovered a XXXX XXXX XXXX XXXX that is reporting inaccurate information reporting 30 day late payments for XX/XX/XXXX and XX/XX/XXXX thus causing me great hardship and damaging my credit score the card is reporting late to XXXX, XXXX and EQUIFAX I have called them several times I spoke with manager named XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX he confirmed that no late payments where made in XX/XX/XXXX or XX/XX/XXXX he they the incorrect information would be updated and upon checking it still has not. I want I need this information updated As Soon As possible these accounts need to be updated as paid as agreed and open on time monthly payments show on time that I attached but the reporting is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
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: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2022-10-31
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX CARD XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-01-14
Company: Clarity Services
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:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
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:
I was made aware of some accounts on my credit report that do not belong to me today XX/XX/2020 when I was denied from getting a loan. I had no idea that these accounts were on my credit since I did not open them nor did I allow anyone to open them in my name. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any purchases or payments towards these accounts. I'm not sure who could have stolen my personal information to open these accounts but I have already filed a police report. I do not have any written or verbal contract with any of these companies and I have never given them permission to run or access my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as remove or update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX Balance {$2.00}, XXXX  XXXX Balance {$400.00}, XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$1000.00}, XXXX XXXXXXXX Balance {$570.00}, XXXX XXXX XXXX Balance {$1100.00}

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 2023-11-26
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
USAuto went out of business then a company called westlake have been calling threatening to take my car Im driving a XXXX XXXXXXXX XXXX I have never sign any paperwork with this company they calls me 7 days a week for payment I have had the car for XXXX years and they asking me to pay almost XXXX for the car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: MOHELA
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When the new XXXX plans rolled out, I thought my payments would be automatically recalculated according to the new rules, which would have resulted in a lower monthly payment for me. I was previously on the XXXX plan, which had calculated my monthly payment to be {$310.00}. After my plan was rolled into the XXXX plan, my monthly payment stayed the same but I was placed into forbearance. I submitted a new IDR on XX/XX/XXXX in the hopes that it would update my payment amount. Forbearance will be done on XX/XX/XXXX, which is when my next payment is scheduled to be auto-charged. MOHELA has still yet to update my payment amount and if they dont, I will be left paying more than I should be. I have tried calling but due to my work schedule, I can not be on hold for hours and hours at a time. 

Further, I had a name change due to being married so I submitted the documents to get my account name changed. I submitted on XX/XX/XXXX then again on XX/XX/XXXX. The name discrepancy due to this name change not being processed has me worried that my IDR recertification will not be processed. 

Its not right that they processed my auto debit paperwork BEFORE processing my IDR recertification, especially with no word or update on the status of the recertification. Overall, it seems like a suspicious practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: NC
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 was not sent an error ; I am a consumer by law and my information was misused and now I have some false information that is not XXXX XXXX accurate accounts on my credit report. Unauthorized use of my credit report. I have sent dispute letters to the credit bureaus. However, they failed to follow proper cause.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: WELLS FARGO & COMPANY
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:
I spoke with bank in regards to my account and was assured that my account wouldn't be reported as late to the credit bureau due to me having ongoing financial struggles because my industry has slowed down due to the economy. This is the second time that my account has been inaccurately reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-04-05
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX Balance : {$340.00}, XXXX XXXX XXXX XXXX Balance : {$2300.00}, XXXX XXXX XXXX XXXX Balance : {$41000.00}, XXXX XXXX XXXX XXXX Balance : {$4600.00}, XXXX XXXX XXXX XXXX Balance : -

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 2022-01-10
Company: AR Resources, Inc. (FL)
State: NC
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 not received any confirmation on how the company has validated the alleged account attached in Exhibit A reporting on my Consumer Report, which I refer to in a sworn affidavit testimony I sent to them. Therefore I request that you consider this a final notice to the offices. Past this point, the company is willfully -Defamation my Character - Violation of the Fair Credit Reporting Act - Violation of the Fair Debt Collection Practices Act - Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ).

The CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that they are reporting. ***** ( copied from the affidavit attached ) ******

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: ARVEST BANK GROUP, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Listen this form is leading toward NSM favor non regulated mortgage lender I sign my blue ink mortgage with XXXX XXXX XXXX XXXX XXXX XXXX  bought my mortgage on XX/XX/XXXX I am asking you to show me as part of trial evidence my CUSIP # and the PSA # I do have a CSA Court of Special Appeals case active # XXXX I did not give XXXX or XXXX permission to securitize and pool my home loan My loan was paid off in full and I demand lien release and reinstate me as owner on title The lower court orders summary judgment denied me my common law trial by jury rights and due process of law Local county Sheriff XXXX XXXX XXXX - did not have 4 point seizure warrant and used badge and gun intimidation to force me out of my home on XX/XX/XXXX I am stepping back on property this month I have been told by many agencies you are the end of the road and you can get the evidence I have been seeking and you will respond. 
I live in MD so DC just down the road so i wish to speak with you in person Lender Name CMC Central Mortgage Company XXXX XXXX XXXX XXXX   Loan/Account/Case/Other # XXXX Type of Loan - residential primary home mortgage I know what I am asking for and what I am looking for so any delay obstruction tampering will be on record Yes I have filed complaints with FINRA SEC FHFA OIG MD OAG CID - ETHICS - MD RE will be filling next week MD AGC attorney grievance commission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have recently reviewed my credit reports on XX/XX/ from TransUnion and have identified unauthorized inquiries that have appeared on my TransUnion credit profiles XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not provide consent for these inquiries, nor do I have any affiliation with the entities or individuals responsible for them. As a result, I believe these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I understand that the FCRA requires credit reporting agencies to maintain accurate and up-to-date credit information, and unauthorized inquiries have the potential to negatively impact my creditworthiness.

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 2019-09-25
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/19 my mortgage with Roundpoint Mortgage Servicing Corp was paid off. At this time I had {$4600.00} in my escrow account. On XX/XX/19 my escrow balance went to {$0.00}. On this day I called their North Carolina office to find out what happened to my money.I was told that they sent me a check for the amount.On XX/XX/19 I again called them because I had not received the check. At this time I was told that they had mailed the check out on XX/XX/19.On XX/XX/19 I again called because I had not received the check.This time I was told that it takes 7 to 10 business days for it to get to  me. Since it was the seventh business day since they mailed it I should get it by the end of the week.For the record it does not take USPS 7 to 10 business days to get a piece of mail from North Carolina to  Florida.On XX/XX/19 I again called because there was no check. I wanted them to stop payment and send me a new check. I was told that they could not stop payment until 30 days had elapsed. I would have to wait until 8? XX/XX/19 to request a stop payment. However XX/XX/19 was a Saturday and Monday was a holiday so I would have to wait until XX/XX/19. He did give me the check number which was XXXX so I could give it to whoever took the call on XXXX.On XX/XX/19 another call and requested a stop payment and new check.At this time I was told that it would be 2 weeks before I would see the check. They had to make sure that the check had not been cashed and then issue a new check. Today,XX/XX/19, I called because no check. I gave them 3 weeks! The first thing out of her mouth was that it takes two weeks just for the stop payment process. I can stop payment on a check with my bank today. Who are they kidding. She put me on hold to check on the process. Are you ready? She came back and told me that the employee who submitted the stop payment request had not submitted the check number for the stop. The section which handles these requests rejected the request and my ongoing process came to an end. Do you believe this. If I had not called, nothing was going to happen in getting me my money. At this point they have had my money for two and a half months. Im sure they are making money on my money.She submitted the proper paperwork but it is still going to take two weeks to stop payment and another two weeks to get a check to me. This is totally unacceptable. Three and a half months to give me my money. I should be able to charge them interest! The bare minimum they should have done is wire transfer my money to my Florida account ; but they won't.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
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: 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2020-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
1. On XX/XX/XXXX, I called CapitalOne and requested to make a transfer of funds from CapitalOne to XXXX XXXX XXXX. The representative from CapitalOne instructed me to initiate the transfer through my CapitalOne banking app. I put my XXXX credit card information in correctly on the app and submitted the transfer request for {$3000.00}. 2. On XX/XX/XXXX, I received a statement on my app that the transfer was made to XXXX XXXX as opposed to XXXX  ). I do not have a XXXX account. I called CapitalOne and told them I do not have a XXXX account. The representative from CapitalOne told me to wait 14 days to make sure that the money did not go to XXXX. 3. After 14 days I called back, and CapitalOne ( a supervisor ) told me that they would have to put a stop to the check that they incorrectly sent to XXXX. They said that this would take 5 working days. 4. I waiting 5 days and called CapitalOne back. The money was not returned to my CapitalOne account. A CapitalOne representative said there is nothing they can do because the check was cashed by XXXX. They told me to go to XXXX and to request the money be returned to CapitalOne. I called XXXX, and they told me that CapitalOne needs to request the check from XXXX. CapitalOne then sent me a copy of the check. On the check, it shows the XXXX credit card number that I entered into the app correctly ; however, the address on the check shows that it was sent to XXXX and not XXXX. 5. I went back to XXXX and they said they could see the check in their system, but that CapitalOne needs to request the check. I went back and forth for months now, and CapitalOne is refusing to resolve the issue and are insisting that I pay the {$3000.00}. 6. I went to a physical XXXX bank, and although they were not able to help me, they told me that CapitalOne has incorrectly sent checks to XXXX before and that I was not the first person to have this issue. XXXX. I have filled out a previous report with the CFPB, in which CapitalOne said they faxed XXXX a request for the money. XXXX on XX/XX/XXXX sent me a letter saying that they did send the money to CapitalOne XX/XX/XXXX, and that it was cashed by CapitalOne on XX/XX/XXXX. On XX/XX/XXXX I called CapitalOne and customer service was saying that they were not able to help me and that they have no record of the check being sent to them from XXXX.

Company response to consumer: Closed with monetary relief