BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-02
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 status incorrect

Complaint:
This account is about my child support payment to the Texas OAG office. The account balance and the reported payments are always reported wrong to all the credit reporting agencies. 

Since XXXX XXXX, I had been awarded and receiving a monthly social security survivor benefits in the amount of {$1300.00}, to which the Texas OAG attached a lien and had since been collecting one third of my benefits every month in the amount of {$450.00}. The OAG office collects this amount from my survivor benefits promptly without fail. Also in XXXX XXXX, I settled an auto insurance claim for about {$13000.00}, and between the lawyers, the hospital bills and the rest of the other medical bills, the OAG got {$5900.00} of the settlement, and the rest went to the attorneys and the rest to the medical providers to settle the medical bills. Not a penny for went me. I do n't have a problem with the OAG taking the money for my child 's support, what I have a problem with is the reporting errors. 

For instance, my total monthly child support payment is {$340.00}, of which {$220.00} is for the chaild 's support, {$75.00} for the child 's medical, and {$100.00} to go towards reducing the arrears, which as of XXXX XXXX before the social security survivor benefits I started receiving my benefits my arrears was then at a little over {$10000.00}. But as I already indicated, the OAG office is actually {$450.00} from my benefits. Yet for the past 10 months, my credit consumer report is showing XXXX payment into the account, it shows that no payment has been made on the account for almost a year, that has always been past due for 30, 60, 90 days, and that is just not true. I have all the documents to prove it if requested. As of today when l checked the account balance, it shows that the account is past due 8 months, and the remaining balance does not accurately reflect the arrears balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I 've contacted and written Capital One Auto about the car repossession and asked them to remove it off my credit since they sold the debt to XXXX XXXX XXXX XXXX. They both have violated the F.D.C.P.A as the state of Ohio Statute of Limitations is 6 years. I 'd like for both companies to stop the harassing phone calls and to remove this account from all 3 credit bureaus ( XXXX, XXXX XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 a victim of identity theft and breach of information. Information from Capital One appears on my credit report, does not relate to any transactions that I made. It is the result of identity theft and breach of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We applied for a mortgage with PrimeLending after being pre-qualified for a loan because we were assured that we would close on XXXX XXXX, 2017 and because of the low rate we were quoted. Four business days before closing, the lender stated that they could not close the loan on that date, and the only way we could close the loan in a timely manner ( an additional 4 days ) was to go with a different loan product that required less underwriting. This increased our interest rate more than 0.5 % and our closing costs {$4000.00}. 

Our extension with the seller is now about to expire, and we have not been cleared to close, even at the higher interest rate. Not only have we been forced into a bait-and-switch scheme because we have no other choice at this point, the seller may choose not to extend the contract again and we will be in breach of contract with the seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I sent a letter addressed to Credit Bureaus on XX/XX/XXXX to remove fraudulent information found on my Credit report that are completely unknown to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, & # XXXX & I am including these items once again : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2019, my purse containing all of my identification and personal information was stolen. Due to this, on XX/XX/2019, I initiated the process for a 1-year fraud alert to be placed on my credit reports. On XX/XX/2019, I received confirmation that the fraud alert was successfully added to all three of my credit reports. I was told that this fraud alert would require creditors and lenders to contact me directly, before issuing credit in my name. On XX/XX/2019, I received an alert from my credit monitoring service, stating that a potential creditor pulled a copy of my credit file because I applied for credit or services with them. I immediately contacted this creditor to inquire about this alert. Upon speaking with a representative, I was told that an XXXX credit card was opened in my name. I explained my situation and the representative transferred me to their fraud department. The fraud department could not explain to me why I was not contacted prior to this card being opened, even though I had an active fraud alert on my credit reports. I explained that there is an active investigation in progress with my local police department, for credit cards that were used from my stolen purse and that the detective requested that I report any additional identity theft that may occur in the future. I asked for the account number and details about when and where the card was opened and if any charges had been incurred on the card. I was told that they were not able to release any information to me until I completed a report at identitytheft.gov and mailed it to them. In the meantime, I was assured by the representative that the account was closed. In the days that followed, I completed the report and mailed it to the credit card company, as I was instructed to. On XX/XX/2019, I received an XXXX credit card in the mail. To confirm that the account had been closed, as I was previously told, I contacted the credit card company again. An associate advised me that the account had not been closed but had been frozen to prevent further charges from being incurred. I was then transferred to the fraud department to discuss the situation further. I waited on hold for 30 minutes before being disconnected. I called back and went through the same process of being transferred to the fraud department. When I asked if I could have the direct number to the fraud department, in case I was disconnected again, I was told no. When I asked approximately how long the wait would be, I was told that it would be a long time, but they couldn't give an estimate of how long. After waiting on hold for an hour, I hung up and decided to take further action by submitting this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: C2 Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019 An application for a Pre-approval was submitted with C2 Financial with the loan officer XXXX XXXX. We communicated with our loan officer of prior bankruptcy 's and the need to pull credit upfront to ensure the pre-approval we received was accurate. We also provided tax returns and bank statements to verify income. I requested a copy of my credit report and was emailed over another customers full credit report compromising their information. ( Not sure if they were ever told ) A pre-approval was issued to us on XX/XX/2019. We went out shopping for a house with the prequal and went under contract on XX/XX/2019. On XX/XX/2019 I got a call from XXXX  ( Manager to XXXX  ) letting me know that we did not qualify for the loan they had us placed in due to the time frame in which the bankruptcy was discharged,. This is easily found on the credit report. This make the amount in which we offered to but the house to be more than the loan we could get. I gave no orders to XXXX  on what our plan of action would be and told him we would be looking at what could be done, like coming up with the additional fund cash. On XX/XX/2019 XXXX took it upon himself to tell the selling agent for the house we are under contract on that we were not moving forward with purchasing the house. This almost put us in breach of our contract loosing the house of our dreams. We have sence hired a new lender to complete our loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: IL
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 still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the THIRD complaint I have had to make about the lack of response. My first two attempts were made on XXXX and XXXX and was accompanied by a dispute submitted directly to Experian. The dispute number were as follows : XXXX XXXX XXXX XXXX While I understand that there is a pandemic which can cause delays, I have not received anything from them since my dispute on XXXX. This is not a delay : this is negligence on the part of Experian, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by Experian to resolve anything. the DAY after I filed my original complaint, data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX must be held accountable and to the standards clearly outlined in the FCRA.

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 2017-10-30
Company: Consumer Portfolio Services, 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:
It states on my credit report I lived in Oregon, I have never ever lived in Oregon. 
It states on my credit report there are XXXX inquiries, that i have never applied to ever XXXX XXXX, XXXX XXXX XXXX XXXX, CONSUMER PORTFOLIO S and they show up on my credit reports sometimes more than once It states on my credit report i have an open balance with XXXX when I included it in my bankruptcy, i included all my debt in bankruptcy so it should all be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: EQUIFAX, INC.
State: DC
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've sent dispute letters to XXXX, Equifax, and XXXX and have yet to hear back about the unverified Items on my report. The letters were sent out on XX/XX/2020, and XX/XX/2020, it's now been 30 days, and the Items remain on my report, and inquiries that have no account on my account also was asked to be removed but still report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
These consumer reporting agencies are reporting fraudulent and inaccurate information on my report and is violating my right to privacy under FCRA law XXXX5 USC 1681b! 
There are reports showing that this account " XXXX XXXX XXXX XXXXXXXX '' has late payments which are inaccurate and each individual credit reporting has different late payment dates for this account which is inaccurate and fraudulent!

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 2020-09-05
Company: EQUIFAX, INC.
State: MS
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 sent Equifax 3 different letters dealing with negative items that on my report on XXXX THAT are inaccurate and incomplete and should be remove as such.I have attached the 3 copies below for further viewing and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Had a emergency hospital visit XX/XX/2022. I WAS covered by insurance. The hospital did not charge the insurance agency and instead charged me directly. I had no idea about this debt until it appeared on my credit report. The company A R Resources NEVER contacted me notifying me of the debt. They also reported the date of first Delinquency is the day I was RECEIVING TREATMENT inside the hospital not 30 days late. This collection in itself is fraudulent. Please remove this. Seeking possible litigation if not resolved. Equifax has yet to look into this erroneous information which is a defemation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: Experian Information Solutions Inc.
State: PA
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:
These consumer reporting agencies are reporting fraudulent and inaccurate information on my report and is violating my right to privacy under FCRA law 15 USC 1681b! 
There are reports showing that this account " XXXX XXXX XXXX XXXXXXXX '' has late payments which are inaccurate and each individual credit reporting has different late payment dates for this account which is inaccurate and fraudulent!

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 2017-11-02
Company: Charlottesville Bureau of Credits, Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notice from a collection company Valley Credit Service XXXX in XXXX XXXX stating that I ( XXXX XXXX XXXX owed Md. XXXX XXXX XXXX XXXX XXXX XXXX, Md. XXXX {$210.00} for services in XXXX XXXX. Firstly, I have never been a patient of this group. Secondly I do n't know where this XXXX XXXX the visit comes from??? 
A little background. My wife, XXXX, was a patient of this group while XXXX XXXX XXXX XXXX XXXX in XXXX up until XXXX XXXX when she was XXXX. Because she lives in XXXX XXXX Md she is told to get a new nephrologist because they do not practice in that area. My wife did so and her new Doctor is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. He was her doctor from XXXX XXXX through XXXX XXXX, XXXX. At which time my wife had an XXXX XXXX at XXXX on XXXX XXXX, XXXX. XXXX spoke to her original doctor, which is no longer with this group, regarding the supposed charge for XXXX XXXX. XXXX XXXX XXXX told her he never put this charge in my file. In the meantime this group sent to my XXXX and XXXX and were paid {$270.00} This is a fraudulent claim. My wife did not have an office visit!!! 
As for me, how did they get my social security number, etc and file a bogus debt on my credit report? XXXX XXXX billing person for Md. XXXX group said she never sent it to them in my name ( XXXX ) ; however, the fact is I have a sworn affidavid from the collection agency showing her signature that she did in fact send it to them. No one has yet to apologize they just told me to wait and pull your credit report to see if it is gone in XXXX. All I ask is a letter from them stating the truth about this debt and the collection agency. They all tell me they do not have to do anything for me as it is the law. They made the mistake why do I have to jump through hoops to get this resolved. It was their error and done without my knowledge. 

Lastly, why did my wife, XXXX, never receive any kind of bill from Md. XXXX XXXX for over 4 years??? And when one came it was in my name not hers.??? Please note each letter states a different amount owed, i.e. {$270.00} - {$220.00} - {$210.00} so which is correct????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
credit reporting agency will not update my mortgage as paid off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2018, I made an online wire transfer of {$3000.00} USD from Citibank ( USA ) to my account at XXXX ( XXXX ). I inadvertently used the number of a closed account as the receiving account ( at XXXX ). After investigating, XXXX advises the transfer was not posted to their system, but was immediately returned to Citibank on XX/XX/2018 

I've asked Citibank to investigate this twice, and both times they claim they do not have the funds.

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 2019-04-11
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Ive been unable to create online acct w SSA. According to the SS Administration, this is due to weird credit reporting by credit bureas. I called XXXX  and Experian and arranged for free report to be mailed. 
I called XXXX  and they refuse to help me without me sending my drivers license AND copy of SS card. They claim this is due to my not answering verification questions as they see fit. ..I then realize that XXXX has my home address listed incorrectly ( I have a XX/XX/2018 copy of my report ). I call again to try and get this corrected. I reached a US supervisor, " XXXX '', who said all I need to do is OPTION B : send my license and a copy of my utility bill and I was NOT required to send copy of SS card. OPTION A was to call Consumer Care XXXX and ask via phone, a lot easier. I called this number and after asking repeatedly for a U.S. supervisor, finally got to " XXXX '' ID XXXX    XXXX. She refuses to help me. Asked me verification questions but ultimately said that I have to send in Drivers lic. AND SOCIAL SECURITY CARD. I said to her that XXXX said all I needed was electric bill to prove my address. She questioned ID # of XXXX, and said that she has no record of a " XXXX ''. I told her I didn't have a ID # for XXXX. Guess she doesn't believe me. She proceeded to list the number of times I had called in over the past 2 days. I explained that should have no bearing on this, AND that yesterday all I was asking for was a copy of my report. TODAY, I am asking for XXXX   to also CORRECT my address. She refused, saying that I had to send in license AND SS card copy. I explained that this is overkill, esp when I have to go to a bank lockbox to retrieve it. She hung up on me, but made sure she ended the call herself by saying 'bye '' in order to not get into trouble. She expressed annoyance that I was unable to hear her with the background noice on her end. I called her on this, and explained that I have trouble hearing in general and esp on a cell phone, but she defended herself and denied that she was giving me a hard time.

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