BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency canno furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under are open end consumer credit plan as late for Purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: IA
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:
Hello my name is XXXX XXXX and I sent a dispute letter to Equifax on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX shows I still have a open dispute for XXXX dollars. I paid the XXXX dollars in XX/XX/18 the report was never removed after being assured by 2 other people and it ruined my chances of getting a house. I was declined the opportunity. This is unacceptable I would like to move further in life knowing I can get a home of my own. Please help my Im on a very limited amount of time and would like a home of my own.

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: Professional Medical Management, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This company has continually called me about a medical debt. The last person I talked to specifically stated it would be noted on my account to no loner call or send communications of any sort. She also was extremely rude. Even after i told her that there should be no further communication, she went on to ask me if i am aware of the medical debt. 

I made it clear for the second time now in that phone call to cease and desist and that i already sent written statement for that. I am sending another one today through their email XXXX. The phone number they call from is XXXX and they are called Financial Recoveries. 

They have called me again today at XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-09
Company: Santander Consumer USA Holdings Inc.
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My car was repossessed on XX/XX/2022 as of today never received letter that they repossessed my car SANTANDER CONSUMER USA reporting, books and records and internal accounting are all Fraud and grossly misrepresentation not telling all facts to this issued but they continue to accept my monthly payment and steal my car unlawful enrichment of Proceeds by selling my property. 
SANTANDER CONSUMER USA, TAX FRAUD, CONSPIRACY, DISCEPTION, they cancel debt receive tax credit from the Internal Revenue Service but failed to reported to Internal Revenue Service or never notified me but continue to accept my payments and steal my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following names are incorrect and do not belong to me XXXX XXXX, XXXX XXXX XXXX. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX Ct, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The following accounts do not belong to me and should be removed from my credit file XXXX XXXX XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/2020, XXXX is reporting an opened date of XX/XX/2020, XXXX is not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX  and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2021-09-22
Company: JPMORGAN CHASE & CO.
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: Experian Information Solutions Inc.
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 have contacted XXXX on numerous occasion about the inaccurate reporting of an account listed on my credit report. I have submitted evidence that I received from the original creditor admitting they can not verify the account and require more information. I am a XXXX and will be leaving for XXXX soon and will not be able to be present in court. Im hoping that that filing this complaint shows that I'm serious about correcting and deleting inaccurate information 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 2020-11-12
Company: Trident Asset Management, L.L.C.
State: FL
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 contact Trident Asset on more than one occasion requesting information that it was me that open up the account I had sent them police reports, FTC report letting them know that someone opens up an account in my name fraudulently. Then sent me a letter stating that it was me that open it up and a bill. I never signed a contract with them, nor the company they are collecting for and they are not providing me with the details that I requested from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: CAVALRY INVESTMENTS, LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Calvary Hired a Law firm that filed a civil Lawsuit against me in the state of Utah. Prior to the lawsuit, I received 20 to 30 phone calls instructing me to not hang up and stated the law firm name First in order to intimidate me. The callers were pretending to be lawyers. The employees were not lawyers but collection agents hired by the law firm. They left out the fact that they were not attorneys as required by law.

I admit it works. I was scared to hang up the phone in fear of legal action. I guess Calvary Svp looks at these type of violations from a business perspective. They assume most of us in financial chaos will not report the violations. They have a long history and more must be done to spot them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Convergent Resources, 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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

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 2021-05-01
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:
several inquires were placed on my account without my consent and i want them removed. In addition there was some incorrect personal information

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 2021-04-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There was a inquiry placed on my credit report from XXXXXXXX XXXX on XX/XX/2020. 
I reached out to them to advise that I had did not submit an inquiry to the company and reported the issue as fraud. To date the inquiry has not been removed from 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 non-monetary relief
Consumer complaint received 2021-09-22
Company: Experian Information Solutions 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:
I have the rights to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). 15 USC 1681b ( a ) ( 2 ) states consumer reporting agencies can NOT furnish a consumer account without written instructions of the consumer who it relates to. I did not give anyone permission to do so which is in violation according to federal law. 

I am referring to the accounts showing in the attachments below for each credit reporting agency as well as the inquiries.

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 2019-02-17
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: Account information incorrect

Complaint:
An attorney that was assigned to be my children 's advocate attorney in XX/XX/XXXX, continued to bill in spite of her lack of help for my children. I paid her retainers and monthly payments. My ex was responsible for half of all billings. He never paid his half. The attorney was dismissed from our case in XX/XX/XXXX. She continued to bill after. She then wrote off the debt and sold it to a collection agency. The collection agency then tagged my credit for {$28000.00}. The attorney write off was {$11000.00}. Bottom line, the amount billed is inaccurate, unjustified and illegal billing. The collection agency has been unwilling to work with me and take this off my credit, preventing me from buying a house. Further, I offered a debt settlement offer to gather an agreement to enable me to purchase a home and the collection agency was unwilling and extremely rude to come to any agreement. There are several complaints online about this collection agency and I believe it should be illegal for any collection agency to out anything on a consumers credit prior to obtaining a judgement that is awarded after proof from both sides is evaluated. I want this collector to be fined and made to get off my credit report to allow me to buy a home. Further, if I am unsuccessful in getting him off of my report, I will lose my escrow deposit and will be forced to file chapter XXXX. I need help to get this bully off my credit report and go about any further reporting after the correct amounts and agreements have been made. 
I have tried to dispute with the credit reporting agencies and the collector, XXXX XXXX keeps changing the dates and showing a ledger that is not accurate, justified or legal. He has put the collection on all 3 credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
1. I settled my Capital One account and it should be reporting as a XXXX balance. 
2. I filed a dispute with XXXX and within three days of the dispute XXXX reported the account as " verified '' with an outstanding debt of {$2500.00}. 
3. Either Capital One or XXXX failed to fully investigate the status of the account in a manner consistent with the FCRA. 
4. Either Capital One or XXXX has reported this account as closed on my consumer reports, but XXXX shows that the balance has been reported for 55 months as part of my credit utilization. 
5. Therefore, the credit bureau shows my utilization as 27 % while XXXX shows my credit utilization as 170 % due to the manner in which Capital One and/or the credit bureaus report the account through their internal systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: ALLY FINANCIAL 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 status incorrect

Complaint:
Ally Financial has continually reported 30 day late payment for the past 90 days when we are current and on time with our payments. We have spoken to them more than several times to try and get them to correct their mistake with no result. Every time we speak to them we get the run around and they say they are going to correct issue but dont they post the following month too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09
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:
Equifax is not blocking accounts on my credit report which are fraudulent. I have submitted a FTC fraud report to them, sent an affidavit which the bank requested & sent them numerous letters which demonstrated I was the victim of identity theft. Equifax continues to not comply with FCRA & I believe are willfully noncomplying. There are numerous XXXX accounts reported to my credit report which are fraud & I'd like them removed. The bank has already discharged these accounts internally so I have no idea how they claim they're being verified ... I need these accounts removed from my account at once ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was told that I could not apply to have a private student discharged due to XXXX. I am a service connected XXXX  veteran. All of my student loans were discharged because of my XXXX  except the one " private '' loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: PA
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:
Inaccuracies have been furnished to my consumer report. If a proper investigation was done for accuracy and integrity prior to the reporting of this information Equifax would not be in violation of federal law. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Opportunity Financial, LLC
State: SC
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:
Upon pulling my consumer financial report I discover that there is information that is deemed to be fraudulently reporting from this company. On XX/XX/2021 I sent certified mailing informing them of these fraudulent actions. I have discovered that this debt collector Pursuant to 15 USC 1692 ( a ) have violated my privacy completely. I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). When looking at the amount owed on my consumer credit report pursuant to 15 USC 1692e ( 2 ) ( a ) the character and the amount is misleading to the amount, reporting on my report is of a positive balance which is a misrepresentation. This company also seems to have committed identity theft due to myself never doing business with them about this matter and purchasing my information concerning me as a consumer in order to collect on a debt pursuant to 15 USC 1692e ( 10 ). I notice that this company is also showing on my consumer report as a charge of which is also a violation pursuant to 15 USC 1692e ( 12 ) and has damaged my reputation and have also hindered me to obtain certain jobs. I have attached documentation that I have sent to this company concerning this matter certified mail # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was a loyal customer of Wells Fargo banking for 4 years. 
I was also a victim of unauthorized credit cards, opened account & funds stolen from my accounts. 
Ive had so many financial setbacks due to the banks actions to steal my hard earned money & valuable personal information. 
I can not even obtain a checking account from any financial institutions because of the impact Wells Fargo has left on my credit report. 
I wouldve never imagined of becoming a victim of bank fraud & stolen funds! 
I dont think theres a way to repair the Damage mentally or financially!

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 2021-09-22
Company: CNG FINANCIAL CORPORATION
State: SC
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:
Upon pulling my consumer financial report I discover that there is information that is deemed to be fraudulently reporting from this company. On XX/XX/2021 I sent certified mailing informing them of these fraudulent actions. I have discovered that this debt collector Pursuant to 15 USC 1692 ( a ) have violated my privacy completely. I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). When looking at the amount owed on my consumer credit report pursuant to 15 USC 1692e ( 2 ) ( a ) the character and the amount is misleading to the amount, reporting on my report is of a positive balance which is a misrepresentation. This company also seems to have multiple debt reporting sue to seemingly selling this account but still reporting on my consumers report which is a violation of 15US 1692h. I notice that this company showing on my consumer report as a charge off which is also a violation pursuant to 15 USC 1692e ( 12 ) and has damaged my reputation and have also hindered me to obtain certain jobs due to being present on my consumer report. I have attached documentation that I have sent to this company concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They keep on sending me a notice out on an old loan debt past 7 year period!!!

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