BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
Company: Avant Holding Company, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account shows that it is late I was 30 days past due. That is incorrect account was fraudulently used and I paid the balance in full once I was aware. The bank said if I pay in full I will not be reported negatively on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: MI
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:
To XXXX XXXX. I am writing this inquiry to dispute account with XXXX XXXX that is being report on my credit report as delinquent. The account involves a vehicle that was leased, and I was the co-signer. I do not refute being a co-signer on the lease and bear responsibility for the contract. My issue is Im being held responsible for a situation that I had no knowledge was occurring, and I was never notified by XXXX XXXX the account was delinquent. I have now learned the following information from contacting XXXX XXXX. During the lease period the borrower developed a pattern of delinquent payments. While this was occurring XXXX XXXX at no time contacted me by letter, phone or email to notify me of the situation. By not informing me, I believe XXXX XXXX is negligent in their duty to me as a co-signer. During this time I was also a loyal customer with XXXX XXXX in good standing. The borrower turned the vehicle in early and again I was not notified by XXXX XXXX of this situation. Information provided to me from XXXX XXXX advised they and the borrower entered into a separate agreement on payment plan to satisfy the lease. Once they agreed to the new terms on the contract, which I did not agree to, I believe I should be dislodged from any obligation or consequences of the transaction. Given there is a payment plan which will compensate XXXX XXXX, my credit score is being unfairly impacted given XXXX XXXX being made whole on the transaction. To this day I have never been contacted by XXXX XXXX   about the status of this account, and did not learn about it until I attempted to apply for credit. 
I was a loyal customer to XXXX XXXX, but I believe they are acting in bad faith by negatively impacting my credit without involving me in remediation of the credit issue.

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 2018-10-18
Company: FULTON FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We had a home built by XXXX XXXX XXXX in XXXX, NJ.in XXXX. The materials used during the process are off gassing a toxic gas called formaldehyde. Specifically the floor joists manufactured by XXXX. They are called XXXX joists. XXXX XXXX  was made aware of the problem and also made aware that with these products are in the home, the home resale value is much lower now because of the mere fact that these are in the home. The joists have been sprayed with a grey paint by a contractor hired by XXXX which was applied very poorly. It did not meet the standards that they set for the application of the paint. They came out a second time to repaint the joists. After a recent home inspection to check the air quality and what the white substance was growing on the joists, we noticed an electronic devise operating within the problem area. After research we found that the device is designed to eliminate formaldehyde  within a room of 2000 square feet. This devise was installed for no other purpose than to skew the air quality results. Even though that devise was present, the air quality still tested high. 
The tax accessor has devalued the property because of the problem, and the township has not given a certificate of occupancy because of the problem. The home is obviously worth much less than the loan amount. Anyone that is aware of the problem agrees that the home is devalued. 
XXXX XXXX  does not see it that way and have been trying to force me to close on the construction loan a transfer to a conventional loan. I have been making the payments per the loan agreement but in XX/XX/XXXX they stopped accepting my checks and actually refunded one of the recent payments. Then they sent me to collections which affected my credit score dramatically. I really need someone to have them to do what is right. 
Thanks

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 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone tried to get students loans in my name I called soon as I get the alert they stated it will be removed and its still reporting to the bureaus

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 2023-02-10
Company: Experian Information Solutions 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 status incorrect

Complaint:
I saw my credit report and saw accounts appearing on my report that I am not aware of, I contacted the credit bureaus but have not received any response. Below are the accounts appearing ; XXXX XXXX XXXX XXXX XXXX XXXX PARK XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN 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 2020-05-28
Company: EQUIFAX, INC.
State: MI
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:
To XXXX XXXX. I am writing this inquiry to dispute account with XXXX XXXX that is being report on my credit report as delinquent. The account involves a vehicle that was leased, and I was the co-signer. I do not refute being a co-signer on the lease and bear responsibility for the contract. My issue is Im being held responsible for a situation that I had no knowledge was occurring, and I was never notified by XXXX XXXX the account was delinquent. I have now learned the following information from contacting XXXX XXXX. During the lease period the borrower developed a pattern of delinquent payments. While this was occurring XXXX XXXX at no time contacted me by letter, phone or email to notify me of the situation. By not informing me, I believe XXXX XXXX is negligent in their duty to me as a co-signer. During this time I was also a loyal customer with XXXX XXXX in good standing. The borrower turned the vehicle in early and again I was not notified by XXXX XXXX of this situation. Information provided to me from XXXX XXXX advised they and the borrower entered into a separate agreement on payment plan to satisfy the lease. Once they agreed to the new terms on the contract, which I did not agree to, I believe I should be dislodged from any obligation or consequences of the transaction. Given there is a payment plan which will compensate XXXX XXXX, my credit score is being unfairly impacted given XXXX XXXX being made whole on the transaction. To this day I have never been contacted by XXXX XXXX   about the status of this account, and did not learn about it until I attempted to apply for credit. 
I was a loyal customer to XXXX XXXX, but I believe they are acting in bad faith by negatively impacting my credit without involving me in remediation of the credit issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
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: Account status incorrect

Complaint:
XXXX and Experian are reporting lates in XXXX, XXXX and XXXX,XX/XX/2020. ( Please see page attached from my credit report from XXXX,XX/XX/2020 ) Experian is now reporting on my most recent credit report that I was allegedly late in XXXX, XX/XX/2020. ( Please see page attached from my credit report. ) First, I was never late on this account ; and second, Experian has now changed the month that I was allegedly late. This false reporting of all late payments appearing on my credit report are incorrect and is seriously harming my credit score. XXXX is reporting correctly. I request that the late payments be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2021-10-05
Company: DISCOVER BANK
State: MA
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:
This account is being reported with repetitive XXXX marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
To XXXX XXXX. I am writing this inquiry to dispute account with XXXX XXXX that is being report on my credit report as delinquent. The account involves a vehicle that was leased, and I was the co-signer. I do not refute being a co-signer on the lease and bear responsibility for the contract. My issue is Im being held responsible for a situation that I had no knowledge was occurring, and I was never notified by XXXX XXXX the account was delinquent. I have now learned the following information from contacting XXXX XXXX. During the lease period the borrower developed a pattern of delinquent payments. While this was occurring XXXX XXXX at no time contacted me by letter, phone or email to notify me of the situation. By not informing me, I believe XXXX XXXX is negligent in their duty to me as a co-signer. During this time I was also a loyal customer with XXXX XXXX in good standing. The borrower turned the vehicle in early and again I was not notified by XXXX XXXX of this situation. Information provided to me from XXXX XXXX advised they and the borrower entered into a separate agreement on payment plan to satisfy the lease. Once they agreed to the new terms on the contract, which I did not agree to, I believe I should be dislodged from any obligation or consequences of the transaction. Given there is a payment plan which will compensate XXXX XXXX, my credit score is being unfairly impacted given XXXX XXXX being made whole on the transaction. To this day I have never been contacted by XXXX XXXX   about the status of this account, and did not learn about it until I attempted to apply for credit. 
I was a loyal customer to XXXX XXXX, but I believe they are acting in bad faith by negatively impacting my credit without involving me in remediation of the credit issue.

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 2022-12-14
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: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2018-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A XXXX : XXXX, N/A XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX, XXXX : XXXX, Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX. XXXX XXXX XXXX : XXXX, XXXX  : XXXX Transunion : 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX   XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : 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 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2019-03-06
Company: Waypoint Resource Group, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
FRAUD ACCOUNT OPENED UNDER MY NAME FROM WAYPOINT RESOURCE GROU XXXX XXXX XXXX  XX/XX/2018 {$160.00} {$160.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: BB&T CORPORATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I went to the bank in BB & T in XXXX XXXX XXXX XXXX PA XXXX Last XX/XX/2018 we went to see if we could increase our line of credit HELOC account from {$80.00} to XXXX after waiting and calling we were approved after couple weeks we got the letter in the mail our HELOC interest rate went up from 4.25 % to 5.99 % .. what they did they close our HELOC account line of credit {$80000.00} without informing us.. and they open a new line of credit wich is 5.99 % .. the only reason that we ask the bank of our HELOC account to increase the amount from {$80000.00} to {$110000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: Conn's, 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:
Conns Account # XXXX XXXXCalled to pay full account balance of {$320.00}, was offered a settlement of {$250.00} ( which I paid ). 
XX/XX/20 Conns reports to all 3 credit bureaus that as of XX/XX/20 Im 30 days delinquent in the amount of {$64.00}. 
-I file a dispute with XXXX  the very same day stating information reported was incorrect. 
XXXX-I contact Conns about account. Customer service & collections depts. state account settled, and recommend to file a dispute with Conns credit bureau/recovery department XX/XX/20 letter received from Conns stating their investigation determined the reporting was valid & would provide a copy of the complete payment history to validate ( was not included in letter ) XX/XX/20 Conns reports to all 3 credit bureaus that as of XX/XX/20 my account is 60 days delinquent in the amount of {$65.00}. 
-I file a dispute with XXXX  stating reporting is incorrect. 
-I contact Conns Collections dept. states account is settled for an amount less than the full balance, states that is also what they are reporting to the credit bureaus and files another complaint with the Conns internal credit bureau/recovery dept. 
-I also speak with Conns customer service who stated the settlement was not reflective on their end & there was an amount of {$90.00} due or a payoff amount of {$86.00} ( {$65.00} balance {$25.00} late fee ( $ XXXX, XXXX, $ XXXX= {$25.00} ).  She stated she was not sure why the account was reflecting that way & recommended filing a complaint ( which I did )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2018-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
I have an account showing on my XXXX credit report. The account is from Capital One Credit Card. It was charged off in XX/XX/XXXX. It was reporting as still open so I disputed it. Capital One then started showing the account as charged off, however they show the date of it being charged off as the current month in XX/XX/XXXX, so they are reporting a new charge off every single month. I disputed it with XXXX  and the date was corrected, however the next month it was back showing as a brand new charge off for the current month. I disputed it again, it was corrected, however again the next month it shows as a new chargeoff being charged off again in the current month. I disputed and it was corrected again, and just today it showed up as being charged off as of yesterday 's date, XX/XX/XXXX. I would like this resolved immediately. I shouldn't have to call and dispute every single month in order to have an accurate report. Capital one is manipulating the chargeoff dates in order to collect on this account that had unauthorized charges on it. It needs to be corrected or completely removed from my credit report. This is an illegal practice on the part of Capital One. Each time this has made my credit score drop 35 to 55 points. If it were reported correctly that would have happened in XX/XX/XXXX, the date it really charged off and although the chargeoff in general would be affecting my score, it would be aged and my score wouldn't be dropping every single month they fraudulently report wrong information on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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:
There are fraudulent hard inquiries on my credit report that I did not authorize on my XXXX credit report. I reached out to the creditors and they refuse to do anything about it even though I've told them it's fraud. I also reached out to XXXX and they refuse to remove it as well, even though nobody can verify it. 

Hard Inquiries : XXXX - XX/XX/XXXX Capital One - XX/XX/XXXX XXXX XXXX XXXX of XXXX - XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief