BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-18
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX claims that these accounts can not be closed by chapter XXXX bankruptcy alone. They indeed were not. In the year of 2020 adversary proceedings took place. XXXX as well as all lenders that XXXX lists as supposed lenders were given 90 days to respond to the Federal Bankruptcy Court District of Minnesota, with documentation proving that the lenders were original owners of said debt. XXXX as well as all listed lenders never responded in any manner to prove their ownership within that 90 day period. Because of this the judge dismissed and discharged all future debt collection from any lenders listed as well as XXXX the servicer to these lenders. As of XX/XX/2020, XXXX court orders were mailed to XXXX over 30 times. In this process XXXX, XXXX  and EXPIRIAN were also made aware with multiple disputes. These documents were presented to the 3 multiple times as well through those disputes. According to the Fair Credit reporting Act, the 3 are legally obligated to correctly report information on my credit report. And at this point they continue to report false information even AFTER receiving the court orders.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I partner with a company called XXXX XXXX XXXX XXXX when it comes to assisting me with dispute letters that are sent out about every 60 days to all the major credit bureaus ; Equifax, XXXX, and XXXX. 

I ALWAYS receive a mailed copy of my credit report from both XXXX and XXXX, however, I have NEVER received a mailed copy from Equifax. And just to add some more context, I have been working with this company to assist me with my credit, off and on for the last 3-5 years and again, I've NEVER received a mailed copy of my credit report from Equifax. 

The mailing address that I've always used to send my dispute letters to Equifax is ; XXXX XXXX XXXX XXXX, GA XXXX I called Equifax customer service on XX/XX/ on the following number : ( XXXX ) XXXX. I spoke with a representative and explained my issue and requesting to have a copy of my credit report mailed to me, and he declined the request and said that they mailed one out in XXXX to my correct address at that time but I told him that I never received it and he placed me on hold and came back and stated that he could not send out another copy of my credit report. 

Because Equifax is one of the credit agencies that is used for a financial institution that I will be working with soon for a car loan, I would greatly appreciate if they where to start following suite and mail out a copy of my credit report every time that I mail my dispute letters to each of the credit agencies. 

I will be mailing out another set of dispute letters on XXXX, and I would like to find a copy of my credit report mailed to me within the 45 days time frame from Equifax, just as XXXX and XXXX does every time. 

Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Esusu, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX has reported a have a loan with them. I don't have a loan and have NEVER had a loan with this company. I RENT a room with them under house sharing. Last year they reported the same thing under a company called Esusu and both times my credit score dropped significantly. I disputed the Esusu last year and it was removed but my points weren't returned. I have reached out to both companies twice and have been told someone would get back in contact with me and after 2 weeks nothing! They are ignoring me just like last year. Something needs to be done because they are a rent reporting company and my good on-time payments are supposed to help increase my credit score not decrease it. On my credit report under account details it lists as rental agreement so why is this being reported as a closed loan? I was told last year by Esusu this is the only option they have to report payments and this is hurting me. My score has dropped again which is preventing me from obtaining an apartment. I DON'T want to continue to live in a ROOM! Ask this company to provide loan documents with my signature on them or remove this item from my credit report and this time restore all of my points that were taken away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CAPTOL 1 TRANFERREDMY LOAN TO XXXX XXXX. THEY INITIAED THE TRANSFER. CHARGED ME {$5500.00} AND XXXX XXXX  CHARGED me XXXX dollars to close the loan I did not request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 non-monetary relief
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed this account with XXXX and was removed from my credit report only to come back as a collection account by XXXX XXXX, I have never received any validation of debt because I have never lived at the address of the alleged account, leave contacted XXXX to inform them of the collection account I was informed that the account is no longer owned or reported by them I should contact XXXXXXXX XXXX  for removal and I have been back and forth for the past 4 years. 

Fraudulent unauthorized credit inquiry by XXXX XXXX XXXX card 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 non-monetary relief
Consumer complaint received 2021-03-19
Company: Millco Management
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was an approved visit to hospital by the XXXX XXXX. The VA has communicated with the hospital and has paid. After speaking with VA and hospital it was clear that Radiologist billed incorrectly. VA has already spoken to them about proper procedures.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Waypoint Resource Group, LLC
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: Account information incorrect

Complaint:
XXXX I received a dispute report review that an account that was already paid for was still showing up on my credit report with XXXX. I submitted to XXXX both bank statement and offer letter that to the settlement was paid for. XXXX does not want to remove this off my report Ive made to attempt two attempts with XXXX to remove it. The company WAYPOINT RESOURCE GROUP has not updated the amount, even though I told them about it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Experian Information Solutions 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 accordance with the Fair Credit Reporting act XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-03-09
Company: EQUIFAX, INC.
State: AL
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:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
missed mortgage payment accusations

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 2021-06-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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 Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
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 information incorrect

Complaint:
From 2010 to present credit services such as XXXX XXXX, XXXX XXXX, XXXX XXXX, is reporting my old accounts with XXXX, Experian, and XXXX on my credit profiles as paid/zero and closed as open. This practice must stop and all the accounts must be deleted. These accounts should not be reported monthly. This fraudulent activity and unfair. XXXX XXXX XXXX XXXX XXXX XXXX  my opportunities for a financial breakthrough with a bank or credit permanently hinders because the fico score, vintage scores and scoring symptoms will not increase but surly to continue decreasing thus keeping my credit in a derogatory and negative status along giving future creditors negative reports on my credit profile.

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 2023-02-21
Company: Global Lending Services LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My global auto loan was behind and was caught up and my truck got repoded exactly one week later. It was an illegal repo and has been a negative mark on my credit. XXXX XXXX credit card was fully paid with my security deposit and charged off. It needs to be removed off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: Westlake Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
At first, when I paid the monthly payment, I thought that the whole money I am paying for would go to the Car, it turns out that I owe less money for the Car even though they put my statement as I owe them more. Instead that they lower the amount for the car, they steal it! They use just a little part from Interest but use most from both Interest AND PRINCIPAL FOR THEMSELVES! It is supposed to be less than {$7500.00} but they are stating it still as {$10000.00}. I have been paying my payment on time, so they have never been taking any Late fees.

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: ALLY FINANCIAL INC.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Around XXXX my wife ( XXXX XXXX XXXX & I attempted a transfer of two IRA 's with XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, SC XXXX. ONE FOR OVER {$8000.00}, THE OTHER FOR OVER {$7000.00} XXXX in her name ( XXXX XXXX XXXX & one in my name, XXXX XXXX XXXX. Lo & behold we found out the bank DOES NOT DO WIRE TRANSFERS! We therefor proceeded to get two bank checks and certify/ Return receipt them to ALLY BANK, XXXX, XXXX XXXX PA XXXX. As of XX/XX/23 date we can not get confirmation these monies are in our account & drawing interest & we fear we may be penalized by the IRS for not having timely transferred funds! Besides numerous conversations with ALLIED & repeatedly reciting their security questions, we still can not get confirmation of our transfer & their receipt of these funds! Today " XXXX '' besides recharacterizing my comments kept insisisting only a call from an accounting person in 1 to 2 days could answer my questions! It has been since XXXX that I began this process- How long do their business operations take??? This is ridiculous, without merit & we may take a tax loss because of their inadequate & improper handling of this transaction! WE STIL HAVE NO RECEIPT OR CONFIRMATION ABOUT OUR FUNDS- ALMOST A MONTH! I have spent over 3 weeks tying to resolve this!

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 2023-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Spoke to a gentleman regarding payment options he said I couldn't have that option it had to be paid in full. I explained I am a single mother and he told me to get a husband to pay my bills and hung up. I spoke to the manager regarding his staff he stuck up for his staff my phone was on speaker and my daughter heard both conversations. He had the audacity to tell me I should not have my phone on speaker. I told him it wasn't right for neither him or his staff to speak to me in that manner. Threats of suing, increasing the debt, and decreasing my credit score. I told him I want to the pay bill but in a realistic payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
In XX/XX/2019, an account I had with Capital One/WalMart was closed. Despite the account being closed, this account continues to report active delinquencies. In fact, the bureaus have reported continual 120 day late payments every month since the account was closed, and continues to do so. I have contacted the credit bureaus to correct this issue multiple times, but they refuse to take any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Bright Capital Inc
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I signed up for bright credit builder account and paid the {$100.00} annual membership fee. They then logged me out of my account and took more money out of my bank. I tried to get online support and they said they'd email me and they never did. I then went on and used my same social security number and banking information to sign up and they let me open a new account. They should have recognized the social security number and said you already have an account that's paid up for the year but they just want to scam me out of more money. At this point I want a refund for the entire amount

Company response to consumer: Closed with explanation