BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have recently sent a dispute over to Capital One Auto finance due to inaccurate late payments I had on my report. This account is closed now because I paid off the car in XX/XX/XXXX. I know that any misinformation on your report can hinder you from gaining more assets or liabilities in the future. My credit report shows that i have good payment history and paid as agreed from XX/XX/XXXX, and XX/XX/XXXX. I have recently printed off my credit report and it shows my payment history.

I wanted Capital One auto finance to update the info to show I did have good payment history with them and was never late on my payments. by law i can challenge the creditor and credit bureau if something is inaccurate. at least 1 out of 4 people in America has inaccurate info placed on their report and this is the issue for me. I have sent 3 letters out to the Credit bureaus and Capital One Auto finance. So I wanted to Make the creditor prove that I were late, as they are reporting it to the credit bureaus. If they can't prove that you were late, ask them to delete the negative item.

This can improve your score.. Sending a copy of me being late on payment on my credit report does not match my report and i need more receipts stating the dates completely that I was late on my payments bearing my signature. I have sent a notary letter to them along with
letters stating to remove unverified accounts off my credit report if they cant prove it.

This is a violation of 15 U.S.C. 1681 under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application and any documents reported correctly, who in the company verified these accounts. how did they verify them, and provide me with the individual, business address, telephone number of the person or business contacted during my re-investigation. They sent letter and credit report but no changes were made at all. all 3 CRA have not updated the account upon request regarding Capital  One Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I tried to cancel a transaction through paypal, but it still went through and i never received the item this transaction was placed for. Amount was {$400.00} and was taken out on XXXX XXXX, XXXX by XXXX XXXX through paypal, he is in XXXX. I have emailed him twice and no reply ever. I have tried paypal and they said transaction is too old to help me. I took this long because i kept disputing through my bank and every dispute takes up to 90 days to get a response. I tried to dispute through bank over and over. Final answer from bank of XXXX was that they cant credit back a transaction done through ACH. They stated if it was done through my card, they could have helped me. My complaint is against my bank AND the scammer guy that took my money as well as paypal for not being able to help me. Basically, this guy just stole my money with the help of paypal and bank of XXXX. The company that shows under XXXX XXXX is XXXX, I was originally going to get tail lights and cancelled my transaction. PLEASE HELP ME as this is alot of money i have lost. Paypal also said they would send the seller a message and copy me on it and i never got this. They stated they could send him an email informing seller they would remove him from being able to use paypal in future, but i doubt they sent it as i never got email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-21
Company: CORELOGIC 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:
The response received was not enough, whereas these companies did not put for any effort to remedy this issue. There was a freeze on my credit for all three credit bureaus therefore running my credit should have been impossible to do. Also, the name and the last four digits of the social security listed do not match my personal information. 

XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX I tried to contact the companies directly and was told to go away. I called each of the companies to request removal. I will continue to report your company until the inquiry is removed or the status of an account is positively update 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 2022-02-11
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:
I HAVE A DISPUTE THESE ITEMS. AND DIDNOT GET ANY INVESTIGATION RESULTS. THE INVESTIGATION TOOK WELL OVER 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 non-monetary relief
Consumer complaint received 2022-02-11
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:
There is a account under XXXX XXXX reporting to my credit profile. I am not responsible for this account. Please investigate the info reporting. If youre unable to verify, please remove immediately. I have disputed previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Green & Sons Agency, Inc.
State: UT
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:
Outsource Receivables is reporting a debt on my credit file that needs to be removed. I recently took a look at my credit and noticed this debt is still reporting after I paid it. I paid this account to them even though I never received a 30 day right to dispute on this account which is a violation under the FCRA and the FDCPA. I however know that Outsource has the capability to remove any accounts since they are the furnisher and can report to the bureaus as they deem necessary. I ask that they remove this collection as it has been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 2020-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern I have sent in my Police Report from the Police Department to all three Bureaus Someone Broke into my house and all of my Personal Information was stolen and I been dealing with Identity Theft ever since this incident Happen to me and my Family This is Really Affecting me in a really bad way i need this to be fixed, please block these Accounts off my credit

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 2020-09-20
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It is impossible to speak with a representative at LoanCare. Have you ever seen a loan servicing company with such poor reviews? 

I can't log onto their website, even though I had no problem doing it yesterday. I'm unable to use the " forgot password '' functionality. Their website is a joke. 

I am SO sad that my mortgage was transferred to this company. They do not deserve to be in business.

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 2018-09-10
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are grave errors that I recently discovered during a review of my credit report ... there are no contracts for the accounts ... these accounts were settled quite sometime ago with the original creditors.Consequently, I have contacted the collection agencies, and they have informed me that they have not and can not validate these erroneous debt claims, because they do not exist ... now this is against F.C.R.A. law, and litigation will follow if they are not removed ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18
Company: EQUIFAX, 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:
In mid XXXX XXXX, I filed a written dispute with XXXXXXXXXX, Equifax, and XXXXXXXX to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the XXXX XXXX verifying the debt belonged to me. I 've since received notice that my investigation was closed with all accounts verified from ONLY Equifax, but did n't get any proof from the XXXX XXXX or credit bureaus with the original signed document. My primary concern it that Equifax has incorrect information on my file, and this is prohibiting me from acquiring credit for life necessities. EQUIFAX IS REPORTING INFORMATION WHICH WAS REMOVED FROM THE OTHER XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize my credit report to be used, in this case they used it multiple times without achieving any benefit but my credit history was affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize my credit report to be used, in this case they used it multiple times without achieving any benefit but my credit history was affected.

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 2020-09-20
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:
I was unsuccessful uploading supporting docs to the existing dispute as told to do by email. I was advised by Experian rep XX/XX/XXXX to start another dispute over the phone & to up load the docs to Experian/upload and the alleged bankruptcy would be deleted. I uploaded docs showing deletions from other 2 bureaus and other docs & proof my lexisnexus file is frozen in  which they stated they verified the info. XX/XX/XXXX received 2 more emails stating Experian opened more disputes, I spoke to a rep who was rude and gave conflicting info, stated you can't attached docs to bankruptcy. was transferred to supervisor who stated they shouldn't have opened so many disputes in error. I am being told incorrect and conflicting information on getting incorrect incomplete information off my record. This is a violation of my FCRS rights needs to be deleted immediately.

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 2023-04-21
Company: General Motors Financial Company, 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:
Someone got a hold of social and using it to try and get credit from different places and cars also trying to get account for credit, causing all kind of credit inquires on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: National Credit Systems,Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This debt is ov er 7 years old and i m still having problems with this company damaging my credit. This company chages there name everytime i dispute negative information on this company. the bureause will remove the item but this company vwill comeback as a new company and report negative things on my year,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
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: Information belongs to someone else

Complaint:
this is getting ridiculous, I have sent a complaint that i am a victim of identity theft and for the XXXX TIME EXPERIAN KEEPS SENDING THE SAME MESSAGE AND ASKING FOR THE SAME DOCUMENTS THAT I SENT NUMEROUS TIMES, IS THIS A AUTO RESPONSE? IS NO ONE IN EXPERIAN XXXX, 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 2018-09-10
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company sent me a typed up bill from a computer with my name but a wrong address saying that they verified that I owe {$570.00}. I have a fraud alert placed on my credit reports. They failed to show me documents that I personally signed with correct dates authorizing these charges. They are reporting false information and damaging my life.

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 2023-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit 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:
I am writing to follow-up regarding my dispute for the following transaction : - Transaction Date : XX/XX/ - Transaction Amount : {$2400.00} - Disputed Amount : {$2400.00} Bank of America has failed to properly follow their own dispute process and has threatened closure of the dispute, even after sufficient evidence was provided that was not adequately considered.

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 monetary relief
Consumer complaint received 2018-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 started this process in XX/XX/XXXX when I pulled my credit report and seen all of the student loans listed. Some to XXXX and some to Department of Ed with incorrect balances and incorrect late payments. I started on my journey of trying to get those corrected and disputed with the credit bureau and has been unable to get any assistance the accounts just come back as verified. I contacted both the department of ed and XXXX and I have yet to hear back. All of my loans were closed and refinanced in XX/XX/XXXX into one loan. I was in school off and on through the years getting my degrees and never was our of deferment due to being in school. I have been unable to get any feedback on those late payments for XXXX when I was in school before my loan was sold. The Department of ED shows I have 7 accounts with the same account number of XXXX and 3 with account number XXXX. Some of which show a balance which they should not because all of my loans were consolidated. They all show different open dates even though they were transferred from XXXX at the same time. All of the accounts listed under XXXX show a balance of XXXX and the account numbers with XXXX show a balance of XXXX. I reviewed all accounts with XXXX and I have only ever had one account with an amount of {$5200.00} and only one with {$3100.00}. I am not sure what is going on. they still show balances. Show charged off with balances even though I looked on the XXXX and all of my loans are through fed servicing now. Even though they show charge off they also reported a 120 day late for XX/XX/XXXX even though they were sold at that time. This is all confusing and I have gotten no where with getting any of this fixed. No help from the credit bureaus or the company or the ombudsman from the company. I have yet to hear back on any of my disputes on these issues.

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 2020-07-27
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: Was not notified of investigation status or results

Complaint:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, Company Inquiries : 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