BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: AZ
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:
My husband and I are about to go through a divorce and he pulled my credit report without my permission or a court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
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:
I had my credit ran today XX/XX/20 because asked for a credit increase on one of my credit cards but I was turned down because apparently there are accounts in negative standing on my credit. I looked through a copy of my credit report and I saw accounts from XXXX, XXXX XXXX XXXX XXXX XXXX that I never opened. I don't know why these accounts are on my credit report or who could have opened them in my name without my permission. I never got anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I do not have any contract or relationship with any of the companies I listed and I did not give them permission to run or view my credit information. I already filed a police report as regarding these suspicious accounts.

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 2020-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In 2017-Directly after Hurricane Harvey I was unable to work for a couple months. Since I was a victim of a natural disaster Capital One offered me a temporary payment relief plan. I fulfilled my end and paid it all current directly after it was over. Capital One placed 1 month of 30 days late and 3 months 60 days late on my credit report. I have disputed this multiple times and I receive a letter stating Capital One does not remove negative remarks from your credit report as a customer service. I dont want it removed as a customer service-I want it removed because it is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: Experian Information Solutions 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:
I sent letters via certified mail on XX/XX/20 to Experian asking them to validate certain debts on my credit report with a signature showing I owed a debt. They received it on XX/XX/20. They didn't respond until well after 30 days in late XXXX, but they backdated the results to XX/XX/20 to show they were within the 30 day time frame. That's an obvious violation of the FCRA. I sent a followup letter on XX/XX/20 asking them to provide documents bearing my signature or to remove the inaccuracies on my reports. They received it on XX/XX/20. We are going on 2 months and I have no received a response. All together we are going on 3 months and I have yet to receive any type of validation for this errors on my credit report.

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 2021-10-19
Company: JPMORGAN CHASE & CO.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft. Midwest Recovery Systems has reported an account on my credit reports that do not belong to me for the amount of {$190.00}. This does not belong to me. I was never contacted by this company about this and I have no knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Continental Finance Company, LLC
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I opened a account with XXXX XXXX XXXX through continental finance fall 2021 I misplaced the card and I have been waiting on a replacement card for a year now I call every month because they say it takes 14 to 21 days and I still havent received it yet I called and spoke to every manager about 7 times please help

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 2017-12-15
Company: BBVA FINANCIAL CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is a follow up complaint in addition to my first one that was sent on XX/XX/17 evening, after sending my first complaint, my wife was finally able to reach a representative of BBVA, after trying for almost two weeks ; however, after speaking with the BBVA rep, they told my wife that BBVA did not receive our XX/XX/XXXX payment, and that we were 43 days late, and they had turned our account over to collections. 

We paid our car note payment for the month of XX/XX/XXXX on time, and my wife sent a copy of the payment to the BBVA representative, and after the BBVA rep received our proof of payment that was made in XX/XX/XXXX, they refused to receive our payment for XX/XX/XXXX ; and stated they had to get the XX/XX/XXXX payment issue fixed first. 

This shows incompetence on BBVA part, because they somehow lost our payment that was sent on time in XX/XX/XXXX, and to make matters worse, they were showing us being 43 days late, which means they could have scheduled our vehicle to be repossessed without us knowing it ; all because of their incompetence. 

We dont understand why BBVA is being so difficult, and I cant reiterate enough, that it does not make any good sense as to why BBVA will not allow us to make our car note payment online anyway! 

BBVA have been so unprofessional, we have wondered if we were really making payments to the real Bank!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, 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:
I have recently applied for a loan with XXXX XXXX  which goes through XXXX XXXX bank. I was denied and sent an adverse action letter explaining why. it stated as follows " The consumer reporting agency contacted that provided information that influenced our decision in whole or in part was : Equifax, XXXX XXXX XXXX, XXXX GA XXXX, ( XXXX ) XXXX. '' Then it shows this " Your credit score : XXXX Date : XX/XX/2022 '' The issue I have is that Equifax is showing my credit score at XXXX as of today on XXXX XXXX and they claim to update it daily. That is a XXXX point difference. I don't know who is the XXXX in error XXXX XXXX Equifax and XXXX XXXX bank all punt the blame to each other leaving me with no recourse to solve this issue. Thank you for taking the time to look in to this matter in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: LA
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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2018-12-13
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to court on XX/XX/2018 for a debt of {$1100.00}. I pled guilty and discussed with the debt collection agencys attorney the repayment plan. The attorney stated I could make {$25.00} payments and that these could be made through my current debt management agency. I was to call the debt collection agency to set up my payment. 
I called on XX/XX/18 and spoke to a XXXX. He told me that my payment would be {$220.00} a month. I relayed to him what his companys attorney told me I could make a {$25.00} payment. He put me on hold and then said he can only do {$150.00}. He also told me I could not send in a payment by check. He stated I had to give him either my routing and transit number or my debit card number. 
I felt completely pressured to give him my private bank account number and feel extremely violated. I did not want to give any non public information of mine to him but Felt pressured to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company called several time asking for an XXXX XXXX. Asked company to stop calling and then called back to back right after for sbout 5 minutes. Used fowl language as well.

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 2020-07-14
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. My friend is doing a refinance for me. When he pulled credit it triggered my servicer NewRez to have their call center try and solicit me. They without my permission locked up my FHA case number and refuse to release it to my lender. I have sent a letter stating I wanted it released as well as emails. XXXX XXXX at NewRez is the loan officer that pulled the case number. Others that were notified at NewRez were  XXXX and XXXX who stated, " Please see request for this FHA Case number transferred to another lender. This is a Call Center loan in Clear to Close status, loan # XXXX XXXX. '' This statement is false. I never applied, signed any disclosures or had an appraisal inspection so how can I be " clear to close ''? They are also stating that I have to have my loan that I never started cancelled in their system before they will release the case number. The delay NewRez is causing me can translate into rate lock extension fees or worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: CT
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:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 - 60 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) Also, Equifax is reporting this account in duplicate. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates, as well as a duplicate account, is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 gave Transunion a direct dispute on XXXX XXXX. Submitted on XX/XX/XXXX. File number XXXX. Completed on XX/XX/XXXX. Creditor info is XXXX card services XXXX XXXX XXXX. XXXX De. XXXX. XXXX. Balance says {$690.00}. Credit limit is {$500.00}. XXXX Balance cant be more than the credit limit violation # 1. XXXX says current status is in collections its not violation # 2. Opened on XX/XX/XXXX ( 7 years ago ) should be removed from my Transunion credit report its still there violation # 3. As I said I disputed this info on my Transunion credit report but they sided with XXXX. According to 15 US Code sub chapter III -credit reporting agencies Transunion . Code 1681N - its supposed to be 100 % accurate if its not then its a violation and I should be awarded a check from Transunion for 3 violations for {$3000.00} for ruining my credit with false info.

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 2021-10-19
Company: LEXISNEXIS
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:
Company has reported inaccurate unauthorized information to report and I am demanding this account be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I have disputed this debt multiple times yet you keep saying its my de t. I need debt validation. Send me some kind of proof with my signature on it showing this debt is infact mines. Because I have no knowledge of this debt and it needs to be removed from all 3 credit bureaus asap n not to pop up again.

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 2020-04-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have tried to fix the issue with the credit bureau and they continue to report unverified and inaccurate data on my credit file.

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 2021-09-06
Company: EQUIFAX, INC.
State: NY
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: EQUIFAX, INC.
State: NV
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 concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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 2022-10-01
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: Account status incorrect

Complaint:
XXXX has reported the wrong balance owed to the credit beaurus the amount of XXXX. The correct amount owed is XXXX not including the payment I made that's pending to post. I included screenshots of what the bearus say I owe XXXX shots from my account of what I actually owe. including my social and I'd for verification 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 2020-01-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've been trying for the last few weeks to set up a my.equifax.com account. Because my credit file is thin, they have asked me to mail in documentation. 

After that, they entirely stonewalled me. Calling them just causes me to go around in circles before they hang up on me. ( I have recordings, but because Equifax still reads out personal data like social security numbers, I'm not going to publish those ). They promised me on XXXX, for example, that I could talk to an agent at some point, then never actually scheduled the call as far as I can tell.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
A {$95.00} annual fee was paid XXXX card ending in XXXX. This card was closed XX/XX/XXXX, I am owed a refund of the annual fee - no credit has posted to my account.

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 2020-07-14
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
i bought 2 money orders on XX/XX/2020 to pay my XXXX rent and sent them in the mail to my landlord. My landlord contacted me at the end of XXXX and informed me she never received the money orders. I then found my receipts for them and contacted Western Union and they informed me that they were never cashed. They told me what i needed to do to get a refund check sent to me so i can pay my rent. I filled them out and sent them in to Western Union. After not hearing anything back from them i called in mid XXXX and they informed me they sent a refund check out but it did not go to me or my address. After speaking to numerous supervisors and customer service reps i have gotten no where they informed me to email my documents again and they would escalate the issue but still almost 2 months later and i still do have a refund check for the XXXX dollar money orders i purchased. Which means somewhere there has been fraud committed because someone had to have altered the refund information to be able to issue a check out that was my money to someone else. I am needing help to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I received an email alert sent by XXXX XXXX that I have a new inquiry on my Experian credit report. I have not contacted anyone or any business that has the right to pull my credit report in the past days or months. As such, I have not given authorization to anyone to make an inquiry on my credit report. I called XXXX and they transferred me to Experian and they said they can't remove the inquiry on my file. This is an unauthorized inquiry that I am reporting and they will not do anything to help me at all.

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