BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: TX
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:
The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A States that I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One Bank- Deposited a large check to the account in person at the branch. Later flagged as suspicious. Called the number on the account to verify identity and was told everything is fine. Checked cleared and wrote out checks to disperse the funds. Account again placed on hold, checks were returned. Unable to acces the account. Spent 3 hours at the branch to resolve the issue. Was told nothing they can do, will escalate to their digital team and assured me someone will call me back. No one called me after 2 days. I called the bank again and was told it is not a digital issue, it has to be escalated to the executive team and we have to wait 45 days because it is first come first serve. Apparently there is a long waiting list of complaints to be resolved. Can not get anything in writing about the case number or who is working on the case. I was told I can write to the Executive office to file a grievance and it will only take 2 weeks. Funds are held up for no valid reason, due to their internal incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: VA
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:
My mortgage was purchased by XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) and they notified the credit reporting agencies that I was XXXX XXXX late on a payment. My XXXX  account is set to automatically make the payment on the XXXX of the XXXX and processed normally. My payment amount increased, and I was not notified so rather than processing the partial payment they held it. When my next payment arrived XXXX XXXX later, they applied it to the principal but kept holding the XXXX payment and reported it as XXXX XXXX past due. They finally contacted me, and I made the payment and adjusted my autopay. XXXX XXXX ( Company ) indicated that they applied the XXXX payment to the principal because it was in the same XXXX  My payment history clearly shows this is not their standard procedure because if the XXXX falls on a weekend or holiday the payment is processed the day before and this happens frequently. I believe they should have released the payment being held ( without notification ) and I would not have been XXXX XXXX late. When I contacted them, they reversed the incorrectly applied principal payment and the one being held after I made the additional payment to cover the difference in the new amount. I contested the negative entry as my credit score dropped over XXXX points. I reviewed the comments on XXXX XXXX XXXX XXXX page, and they appear to consistently have poor business practices.

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 2022-10-20
Company: World Acceptance Corporation
State: TN
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:
I have not been able to get any information for this account for my credit item. It keeps reporting that i have two items for this credit item, but I only had one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2023 out of blue collection company reported delinquent account to credit reporting agencies. They fail to provide any information, but they verbally self-validate debt is correct. 
I have no-idea what they are claiming and when so-called debt occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04
Company: Upgrade, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. Best regards, I remain

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since 2020 I.C System has been reporting a collection of XXXX $ on my file. I've disputed this several times we both bureaus, I've never done business with this company not sure how they recieved my information. this company is hindering me from extending credit.They are sending me mail to collect a debt that I do not owe. this has stopped me from renting housing, loan approvals, vehicles etc.

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 2023-04-04
Company: MOHELA
State: CO
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:
I attended to for-profit colleges. I do not have a GED. I was falsely certified into both programs. When I try to finish my schoolwork in 2020 at the XXXX  XXXX XXXX. I was told that I did not have a GED. I was not eligible to attend school in, although I had already attended schooling. I received my actual GED in 2020. I have over {$48000.00} worth of student loan debt that I can not use. I can not finish those classes or do anything about it except for have that much debt on my credit. This has caused me a great deal its financial stress in my life, as I can not even afford to buy a home due to the debt. I have had to file bankruptcy, which did not help with my student loans. All of the stress has caused me such a burden. I became suicidal last year, and Im struggling to stay on top of all of my bills with the way the economy is. I have tried to do everything right by enrolling in IT ours and I have applied for false certification forgiveness more times than I can count and was always told that the schools self certified me and that theres nothing I can do. I wasnt given an entrance exam on either schooling. I dont feel like this is fair as I have this debt. Now I cant even put towards something that would help me in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Mr. Cooper Group Inc.
State: RI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today on XXXX XXXX, per XXXX, my score dropped XXXX points due to a Missed Payment listed by NATIONSTAR MORTGAGE LLC. I have no contract with them or their d/b/a MR. COOPER. I have asked for validation and verification of debt. I have asked for a Request of Accounting per the FDCPA. All they can send me is a statement of account and a copy of my note and mortgage which they are nowhere to be found in my paperwork. Notice, it is a fact, affiant is aware the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. Per XXXX XXXX it states that my account with NATIONSTAR MORTGAGE LLC began on XX/XX/XXXX. I don't know how that is possible when it was XXXX XXXX XXXX XXXX Who then in XXXX of XXXX sold my information to XXXX XXXX XXXX who then in XXXX of XXXX sold my information to XXXX XXXX XXXX who then in XXXX of XXXX sold my information to NATIONSTAR MORTGAGE LLC. The only one I have a contract with is XXXX XXXX XXXX XXXX. They are not able to produce any wet ink contract between myself and NATIONSTAR MORTGAGE LLC. THEY ARE IN COMPLETE AND TOTAL VIOLATION OF ALL APPLICABLE CODES UNDER TITLE 15.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: TN
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:
n 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

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 2022-10-20
Company: Westlake Services, LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2022 I requested via CFPB complaint # XXXX that Westlake Financial validated their right to collect an alleged debt that they are attempting to collect from I XXXX XXXX XXXX Instead of providing the necessary Information required pursuant to Title 15 U.S.C 1692g for I the consumer to properly validated my obligation to the alleged debt Westlake Financial sent me an account verification notice. At know point did I ask for any account verification information, I simply requested that Westlake Financial provide me with documentation to validate their right to collect any monetary payment for the alleged debt. To this current day Westlake Financial has failed to provide valid evidence that I the consumer owe them for the alleged debt. It has gotten worse because on XX/XX/2022 Westlake Financial took my vehicle from my place of residents without my consent and has reported this action as a repossession. Westlake Financial has sent me notice that they will be selling my vehicle in order to recover funds that I allegedly owe them for the debt that they have failed to validated. None of my valuable personal belongings that was in my vehicle was returned to me. Westlake Financial has claimed on numerous occasions that the federal laws governing the FDCPA does not apply to them.

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 2022-03-07
Company: Absolute Recovery Services, LLC
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
The XXXX XXXX had management run off with the money and when new management came in they had us behind on our rent and they said that i owe XXXX but i really don't and the old company never ever gave us receipts like they said they where they just told us not to worry about it and then it pops up on my credit report and im trying to purchase a house as we speakes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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: Investigation took more than 30 days

Complaint:
This is in reference to complaint XXXX. The reporting agency is stating that they need 60 days to complete the investigation. " THE FRCA states that the reporting agency must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesn't happen, the bureau is then in violation of the FCRA. 

As such, I request that the incorrectly listed late payment from XXXX # XXXX be immediately deleted from my credit report. Not doing so is in direct violation of the FRCA guidelines

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 2023-01-17
Company: EQUIFAX, INC.
State: MD
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 the information with all three credit agencies several times and they have not done a proper investigation into XXXX XXXX XXXX. I sent them a letter directly and I received a reply back please see attached. Please have them remove the information off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Synovus Bank
State: FL
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 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. 

I have tried over and over for the past 8 months to dispute and remove 3 loan accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies have been on my credit report due to identity theft and fraudulent charges not made by me. I've submitted documentations such as FTC reports and Police reports to XXXX to furnish to the creditors. XXXX has yet to remove the accounts even with substantial information claiming the creditors deem the accounts as valid. I applied for XXXX and XXXX XXXX XXXX XXXX in XXXX of XXXX while being XXXX to help with my medical bills however i did not get a chance to use the cards because they were stolen and used by a thief. There is also a fraudulent closed auto loan by the name of XXXXXXXX XXXX that i did not authorize. I backed out of the deal once i was advised i would be a co-borrower. The agents agreed to remove me off the loan application and come to find out later i was still on the loan. I've sent letters and reports and police reports to have the company remove me from any business with XXXXXXXX XXXX they still have not removed me from the account. I am requesting the companies remove me from their databases as these accounts were inaccurately reporting and not handled i the correct manner to take the proper steps in resolving these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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 follow-up complaint in attempting to ensure the deletion of these erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Assuming no one cares, either way, block the noteworthy of any information or items in my credit record that came about due to alleged fraud or extortion.

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 2023-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I retained a family court attorney XXXX XXXX to review some perfunctory mediation documents pursuant to completing my divorce. In an effort to retain her I used my Capital One credit card to secure her services. On or about XX/XX/XXXX I received a billing statement from XXXX XXXX in the amount of {$350.00} which I sumitted to Capital One. Susequent to my submission I received a statement from Capital One which showed a charge of {$1500.00} which I didn't have knowledge of nor did I authorize. I later learned that my attorney had used my card to access funds to pay her fees without telling me in despite the fact that I sent her an email telling her that I processed the charge that was on my card and would rather not use my card for any future charges. 

I made a call to Capital One and informed them of all of this and entered into a resolution dispute process in which I learned for the first time that XXXX XXXX had essentially used XXXX to finance her services by apparently charging my card for {$1500.00}. Capital One has not been transparent about their actions with me and I have exhausted every avenue open to remedy what has occurred. This weekend adding insult to injury, Capital One essentially threatened me with additional interest on this alleged transaction. They insisted that I needed to pay them money by XX/XX/XXXX or I would have to pay further interest on the initial charges from this transaction. XXXX XXXX provided me with a screen shot of XXXX notifying her that they had received {$1100.00} from Capital one, which is the balance of what they claim I owe them. Sadly they did this while taking the {$250.00} I remitted to them at their request to avoid being charged additional interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: OK
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 monitor my credit reports through my XXXX XXXX card which provides me my credit score, and XXXX XXXX. 

I was notified that a new account from XXXX XXXX XXXX XXXX XXXX  XXXX via email from XXXX XXXX on XX/XX/XXXX. I didn't recognize the account, an initially thought it could be related to my new XXXX XXXX account which I opened just a couple of weeks earlier and had yet to appear on my XXXX report. 

However upon looking up XXXX XXXX - XXXX XXXX  on XXXX, I found that it was most likely a credit card from the company XXXX. I didn't understand what this was, I do not do business with XXXX or own any of their products. It was also a very low limit card ( {$1000.00} ) which didn't make sense to me because I have over {$10000.00} in credit limit through XXXX XXXX and XXXX. 

I filed a dispute with XXXX and later with Equifax regarding this account, and put a fraud hold on my credit score to stop new accounts from being opened. I don't have an identity theft service like XXXX so I don't know what to do other than dispute the information with the credit reporting agencies and hope new accounts aren't opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: MOHELA
State: FL
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:
To whom it may concern, Through multiple conversations with representatives at Mohela regarding expected timelines of when payment counts will be updated, what payment count I could be expected, and what the specifics of the TPSLF requirements would apply to my loans, I seem to be receiving conflicting information. Even for seemingly simple straightforward information, such as " expect an update in 90 days '' from submission of a document, then turned into " XXXX business days '' when I contacted at the 90 day mark. Only then, when I reach out at 90 business days from processing, does it turn into " 90 business days following a decision being made. '' Which then results in an XXXX of 2022 XXXX still not being reflected on my portal 144 business days later. This is particularly upsetting as I believe I have reached 120 payments if the proper counts according to XXXX were applied. Additionally, I have been concerned that I have 8 total loans, and 2 were knocked off schedule due to an administrative error, fixed within the last 6 months, to only now be off scheduled again. This is particularly difficult, as I had been counseled by XXXX XXXX out of consolidating them because " They will all be counted to the higher of the loan payments and continue to move as a group. '' The wait times, conflicting information, and what responses that are being provided have now exhausted my patience, as there have been at least 2-3 XXXX submissions before the XX/XX/2022 that were never processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation