BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: National Enterprise Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep receiving calls when Im at work and they also threaten me to call my employer and to verify I was at work. What kind of business is that? They call me during my work hours and threaten me to sue me, also that they will freeze my bank accounts and collect my wages.

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 2023-05-09
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : CHILD SUPPORT ENF AG/N Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-11-29
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:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent about my accounts dated last XX/XX/2021. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX5 USC Sections 1681i within the time allowed by law and continuously reported as unverified information on my Credit Report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX- XXXX {$0.00} XXXX  XXXX {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: EQUIFAX, 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:
Hi there, I have had a good credit and always make payments responsibly. XX/XX/2020 I saw a fraudulently opened loan account on my credit report and filed a police report and ftc report, sent a copy to a XXXX XXXX  which claimed to be a lender. However there was no investigation open by XXXX XXXX  and they left the things as it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Made an investigation with all major credit reporting companies about a Debt Buyer Company : XXXX XXXX XXXX which has no license as a debt collector in the XXXX of XXXX XXXX as per State Debt Collection Statutes and did not ERASE this debt collection information ; DECREE # XXXX LAW # XXXX of XX/XX/XXXX and Law # XXXX dated XX/XX/XXXX. 

Reporting companies are placing this information twice with the Original Creditor and also the non state compliance debt collector XXXX XXXXXXXX XXXX which has no license as a debt collector to the residents of the XXXX of XXXX XXXX THEY DO NOT MEET THE REQUIREMENT OF THE FEDERAL REPORTING CREDIT ACT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX XX/XX/2020 : I filled out the form at XXXX XXXX XXXX  and selected Experian. 
Experian responded with " Sorry, we are experiencing technical difficulties. '' Unacceptable. If they are required to provide the service, failure to do so must have consequences.

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 2021-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CAPITAL ONE/CABELAS Inquiry : XXXX XXXX, 2020, XXXX XXXX XXXX XXXX : XXXX XXXX, 2020, XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23
Company: American Credit Acceptance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have 2 loans with AMERICAN CREDIT ACCEPTANCE BOTH AT 20 % INTEREST. I have tried to pay my loan down by paying more than the minimum payment. They do not apply any additional funds to my principal balance. I have been paying one of my loans for 20 months and my balance does not go down. I have tried to see about getting my interest rate lowered ... .they refuse. I can not get out of either vehicle because I am up side down XXXX in XXXX and XXXX in the other. I would like all of extra payments applied to my principal balance, and a lower interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit was extended by American Express for business that is no longer operating. Payments were negotiated and are paid as agreed, although creditor has erroneously updated credit reports as bereft of payment arrangements. Updates fail to demonstrate the account is no longer past due, derogatory and payments are applied monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Mid-Michigan Collection Bureau
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:
XXXX Credit bureau has been reporting 14 collection accounts to all the credit bureau after several debt validation disputes. The disputes were performed by three credit repairs services and myself. I have never received any information regarding this debt ; the only response is this company wrote in the remarks " Consumer disputes this account information '' but I have never received any correspondence or proof from this company. There are two entries for XX/XX/XXXX and twelve entries XX/XX/XXXX. I have no idea what these charges are and the volume of these entries on my credit reports are concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have contacted Bank of America twice about this issue by phone. Its been three weeks since I requested a check refunding a credit balance I have on my account. What is going on? THEY ARE REFUSING TO RETURN MY MONEY.

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 2019-11-15
Company: Experian Information Solutions 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:
FRAUDULENT ACCOUNTS HAVE BEEN OPENED IN MY NAME WITHOUT MY PERMISSION OR KNOWLEDGE. MY INFORMATION MAY HAVE BEEN INVOLVED IN A BREACH BECAUSE I HAVE NOT APPLIED FOR A NY CREDIT OR OPENED ANY NEW ACCOUNTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am refinancing my home and was looking for the best rate. I reached out to a company called XXXX XXXX and spoke to someone named XXXX XXXX. I told her I had been talking to XXXX and they had pulled my credit score on XX/XX/2021 so I DIDN'T want XXXX to pull my score if it was going to be considered another hard inquiry. She told me it would not impact my score. XXXX sent me information from the CFPB website that says you have a 45 day window when it comes to mortgages inquiries. I told her she could pull the report but that was because I was under the impression it would NOT count against me. I have written to all 3 credit agencies and they told me the window is 14 days. They have said they will not remove the inquiry. The inquiry I am disputing is from XX/XX/2021 XXXX XXXX lending via XXXX XXXX. I wrote to XXXX XXXX but the letter was returned saying they had moved with no forwarding address. I would like this hard inquiry removed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send these letters off and spent my hard earn money. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am begging for help at this point!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: EQUIFAX, 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:
I have requested numerous times that Equifax remove all remarks from my XXXX XXXX account opened in XXXX. The remark is the following " Account previously in dispute - Now resolved by data furnisher ''. They removed it from the current account comments, but it is still in the accounts historical information and I have requested that it be removed there as well. 

I have also requested numerous times that Equifax delete my consumer statement from my credit file that was added on XX/XX/XXXX. The consumer statement says the following " PLEASE REMOVE REMARKS FROM MY XXXX ACCOUNT STATING " CONSUMER DISPUTES THIS ACCOUNT INFORMATION ''. Equifax has told me numerous times it has already been removed, but in fact it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently ( XX/XX/2019 ) requested to XXXX XXXX XXXX XXXX credit card department to issue a new XXXX XXXX  card over the phone. It was immediately approved for a credit limit of {$3200.00}. 

However rather than having only 1 hard inquiry from XXXX  XXXX XXXX on XX/XX/2019, my Transunion  credit report shows 2 hard inquiries from XXXX  XXXX XXXX. 

In no circumstances, any person can have two hard inquiries from the same bank for the same type of card on the same day because if the card will be disapproved in the first request, it will be again disapproved in the second request whereas I have been issued credit card. Secondly, if the card will be approved on the first hard inquiry, there is no meaning for anyone to again immediately tell the customer service associate to launch another hard inquiry after approval of the card! Therefore I explained that there were not two hard inquiries.

Please remove the 2 hard inquiries and increase my credit score accordingly.

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 2021-04-27
Company: EQUIFAX, 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 information incorrect

Complaint:
Equifax and XXXX  are both reporting a balance on an account that was settled several months ago. The account is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This account is older than 7 years and past the statute, I want it removed. 

XXXX XXXX TransUnion XX/XX/XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$530.00} {$530.00} No. of Months ( terms ) : 0 0 High Credit : {$530.00} {$0.00} Credit Limit : {$300.00} {$300.00} Past Due : {$530.00} {$530.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Unpaid balance reported as a loss by credit grantor. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/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 2020-07-18
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:
Individual : Bankruptcy XXXX XXXX, XXXX - {$0.00} Discharged CH-XXXX Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type Individual Responsibility Individual XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX + {$200.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$160.00} XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$27.00} Needs Attention XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX + {$21.00} Needs Attention XXXX   XXXX XXXX Reported : XXXX. XXXX, XXXX + {$96.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$190.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$23.00} Needs Attention XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX + {$63.00} Needs Attention XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX + {$29.00} Needs Attention XXXX   XXXX XXXX Reported : XXXX. XXXX, XXXX + {$23.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$430.00} Needs Attention Public Records Things like bankruptcies and legal judgments against you can show up on your credit report and do some damage to your score. 
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$39000.00} Needs Attention XX/XX/XXXX Creditor Name XXXX  Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- accounts not mine or ftc violations

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 2020-09-07
Company: Mr. Cooper Group Inc.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have filed several complaints against Nationstar over the past year because of their mishandling of my escrow account that has led to serious credit reporting problems. Nationstar has denied my allegations and CFPB has failed to investigate my complaints. I now have definitive proof of Nationstar 's lies, operational errors and financial mismanagement which has been fraudulent and malicious. 

I am attaching the records that I have sent recently but represent Nationstar 's lies. The cover page is a copy of a letter from XXXX, my former homeowner 's insurance policy that is the basis of my complaint. Nationstar has denied that it mishandling the processing of my escrow account for more than one year. In fact, Nationstar 's operation malfeasance has been going on for almost 3 years. 

The letter from XXXX is a homeowner 's policy renewal one year AFTER that policy was cancelled and replaced with XXXX XXXX. When I received the policy renewal I called my former insurance company, XXXX, to inquire why that were sending me a renewal. XXXX told the me the policy was still in force and had been paid for by Nationstar out of escrow. A copy of the renewal dated XXXX is attached. Nationstar has denied that it has double counted my escrow account. Nationstar lied to CFPB and to me for more than one year and knew that they had mishandled my escrow and refused to address the problem. 

I paid for XXXX XXXX insurance policy out of my own funds and Nationstar began escrow for XXXX XXXX as well creating a severe negative and erroneous balance in my escrow account. Nationstar has also lied to credit reporting agencies that I missed my mortgage payment. They know that is also a lie! Nationstar must make amends to my credit report, reconcile my escrow account and ensure that all payments and accounting has been reimbursed to me. I will be reporting financial accounting fraud to the SEC and will be filing a lawsuit to investigate Nationstar which may result in a class action lawsuit that may involve CFPB as well given CFPB has failed to perform its most basic duty ... .investigate consumer complaints. 

Nationstar is a corrupt, fraudulent, lying company and I will not stand for this XXXX. I will not stop until Nationstar has been sued, sanctioned by regulatory agencies and hopefully bankrupt because if they can't figure out my simple problem there is a systemic operation problem or outright fraud in this firm. You lying XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
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 information incorrect

Complaint:
I have a mortgage company ( XXXX XXXX ) that we have been making payments to. They have made several mistakes and misreported late payments to the credit bureaus ... 11 total. I've asked the bureaus to process my request and update my mortgage to paid as agreed and remove these remarks ... nothing has happened and this is killing me. Attached is a document that XXXX XXXX sent us after we threatened to sue them agreeing to remove the late payments. Please help us

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
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: Account information incorrect

Complaint:
I have a mortgage company ( XXXX XXXX ) that we have been making payments to. They have made several mistakes and misreported late payments to the credit bureaus ... 11 total. I've asked the bureaus to process my request and update my mortgage to paid as agreed and remove these remarks ... nothing has happened and this is killing me. Attached is a document that XXXX XXXX sent us after we threatened to sue them agreeing to remove the late payments. Please help us

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 2019-10-25
Company: Charlottesville Bureau of Credits, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is a duplicate collection account for Valley Credit Services on my XXXX report and both XXXX and the creditor refuse to correct the error.

Company response to consumer: Closed with explanation