BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
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 placed disputes in regards to my payment with Equifax about my reported payments on my Mortgage account. As of today the payment has not been reported. I appears that Equifax is taking its time to update incorrect information which delays the reporting of the correct Credit Score. 

This appears to be a deliberate act. I also dont understand how my scores are moving by XXXX, XXXX and XXXX points with all the no reported payment being corrected on other accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Exeter Finance Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
see FTC report # XXXX this account first reported on my credit report in XX/XX/2022. i requested Exeter provide me with the alleged contract with the " terms '' they stated I agreed to. They never provided me with this alleged contract which is proof of fraud/identity theft because i never signed a contract with them. They are invading my privacy, harassing me, threatening to STEAL my property & it does not belong to them nor have i given them any security interest. They have never loaned me anything. I have never agreed to anything with them & they have failed to provide any proof. I am demanding a cease & desist of all illegal activity. If they can't provide me sufficient documentary evidence that i have any legal obligation to pay them or to seize my property & Exeter continues their efforts, I will file for litigation for actual damages caused & they will be held criminally liable. Your prompt attention & response are both requested & required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My bankruptcy from 2013 had my ex-husband 's house on it., It was not my house. Experian will not remove it.

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 2023-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid 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 was sold a counterfeit watch via website XXXX. Private seller sold watch thru this website. I have provided proof ( in form of photos, as well as verification from watch manufacturer of this product being counterfeit ) of the fraudulent item to the CC company & XXXX. 

Now the CC company says documented verification from manufacturer, as well as a submitted report to law enforcement, will NOT remedy this situation.

I am victim of crime ( across State lines- watch shipped from PA to FL ), and I have been asked to provide proof, which has been submitted, to no avail.

Please help. Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Genesis FS Card Services, Inc.
State: NV
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Caliber Home Loans, Inc.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I signed up with Caliber Home Loans via a mortgage broker in the State of New Hampshire. During the application process I asked both the mortgage broker and Caliber directly if there were any fees associated with making a payment online. They stated that there were no fees to make a one time or regular payment for my mortgage so long as the payment was made on time and not returned. 

Today, I attempted to make my normal mortgage payment, and I was notified that I would be charged a {$3.00} fee as of XX/XX/2018 for a single payment online. This is an unfair fee that was not disclosed to me in my original mortgage process. I feel that this fee is absolutely unfair to the consumer, and should not be legal without disclosure in order to protect consumers. What is to stop Caliber Home Loans from increasing this fee substantially? I should not be charged to make a simple payment online, especially after confirming that no fees would be applied with my broker and with Caliber Home Loans prior to engaging in the loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 my wife and I applied for a HELOC loan with Fifth Third Bank at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Loan Number : XXXX. We met with XXXX XXXX filled out the application and were told they would contact us about the information they would need. 

The following week I received the request and got all my information together and personally handed it to XXXX, she then forwarded it to the loan officer in the home office in XXXX, OH. This is were things started to go wrong, they needed one more document from my insurance agent which was forwarded to XXXX the same day they asked. 

Shortly after this they start requesting the same documents that they already had, W2,  XXXX XXXX, etc. On XX/XX/XXXX, again I brought all the documents that their Loan Specialist, XXXX XXXX says were missing. The following week she asks for more copies of W2 's, this would have been the third time. I questioned what was happening with my information as I was worried about where it was going and who had access to it. I was told not to worry about it. After voicing my concerns I was told they could not find out anything in a timely maner because XXXX XXXX was working from home and she has no telephone! 

I called twice wanting to know what was going on, talked to XXXX first week of XXXX and also the local branch manager and she said she would call me back, but no call, it seems everything is up to MS XXXX who I think is the only bank executive in  American that does not have a PHONE! I was told this by three employees of the bank and I just don't think this would fly with the bank management. 

Fifth Third has had all the info they requested as of XX/XX/2020. As per ECOA guidelines I am entitled to an ruling on my application within thirty days. I feel because I questioned the security of my person information they have refused to process my application for a loan. 

Respectfully XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: MO
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:
unauthorized hard inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$130.00} on the XXXX XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and needs to be removed from my credit report. I have attached a copy of the letter from XXXX XXXX XXXX dated XXXX for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this 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 2020-11-26
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:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled 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 2023-02-22
Company: CITIBANK, N.A.
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I made several transfers from my savings account to my checking account that triggered a fraud warning. Citibank closed access to my account and said it was under review. I called several times to remedy this and was told they " can't verify my phone number. '' Citibank fraud protection then sent me a letter to verify my account on XXXX. I responded to the letter immediately. On XX/XX/XXXX, I called Citibank to see if my account is unlocked yet. They said it is still under review. 

I want to close my account and receive a check in the amount of the balance. They are holding my money hostage. They have been telling me the review will happen in 24-48 hours since 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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 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 non-monetary relief
Consumer complaint received 2020-10-09
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: Investigation took more than 30 days

Complaint:
I have disputed several times to show that I paid off XXXX account. The credit bureaus are not validating it properly even after I provided documents to show that my account is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Jana Ferrell & Associates LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, OK XXXX Phone : ( XXXX ) XXXX-XXXX claims that I owe a debt to XXXX XXXX XXXX XXXX. 

I have no knowledge of this debt, I have sent numerous letters to XXXX XXXX XXXX XXXX and they have all been returned. I have disputed it with XXXX numerous times and XXXX refuses to remove this XXXX from my credit report! WHY?! It IS NOT mine and the debt collector refuses to answer my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: BARCLAYS BANK DELAWARE
State: DE
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 found out incorrect information has been reported to my XXXX  credit bureau from creditor name Barclay credit card. I'm an authorized user on my husband 's credit card account. First of all, I called Barclay company to report my husband 's death about a month ago. They told me that I didn't reliable for his debt for this account and account will be closed immediately. Today, I got a message from one of my credit monitor company show that I have delinquent 30+days past due for this account. I tried to call them this morning to get resolved for this issue. They told me to call their collection company and also said they will help me to solve this issue. After I finished talking to their collection company, they told me that they didn't have anything to do with dispute incorrect information on my credit report. I have to call Barclay company back, explaining everything from the beginning again. He put me on hold and told me that one of their department that handle the dispute will call me back, but I told him that I need to update my contact information because my phone # on their file is no longer valid anymore. He tried to update, but it was unsuccessful. Now, he told me that I have to write the letter to them because they can't update my phone #. I also filed a dispute with XXXX  credit bureau about this 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 2023-02-20
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX I became an employee of XXXX XXXX XXXX  and switch my account over from XXXX XXXX. I received {$750.00} in XXXX XXXX to pay off the remaining balance from XXXX which was I was told was {$580.00} and which I paid and was told I was ready to go. After 2 months I get a bill from XXXX saying that I owed them {$120.00}. I called and after multiple hours of speaking with several reps that I did not owe this and they would take the charges off my account. Yesterday XX/XX/XXXX I got a notice that my credit score has gone down XXXX points due to a derogatory claim on my account of XXXX from XXXX that I am now expected to pay. After talking to Jefferson Capital Systems this morning they have put in that I am disputing I was told the only way to get it off my credit was to get proof from XXXX of a conversation that took place over 4 years ago and on the phone. When I call XXXX to get in contact with someone it refers me back to Jefferson Capital stating they do not have access to any information on my account. I have worked incredibly hard over the last decade to build my credit and am infuriated to see it impacted by a bogus charge like this. There was more than enough left on those cards and if they would have asked me to pay that at the time of switching I would've gladly paid what I owed. Is there anyone who can help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a collection on my credit report in the amount of {$560.00} from a debt collector called Midwest Recovery Systems for a loan that they say I applied for this year. The problem is that I never applied for a loan with this company at all this year and I want them to remove it as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Total Card, Inc.
State: TN
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:
Total/XXXX XXXX XXXX, XXXX and XXXX are in violation of FCRA 623 ( a ) ( 6 ) ( B ) which states " If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency ''. As of XX/XX/2020 this trade line still appears on my XXXX and XXXX credit reports when I have on multiple occasions disputed this trade line as being opened without my knowledge or consent. On XX/XX/2020 I sent the attached letter to Total Card inc. at the address specified by a Total Card/XXXX XXXX XXXX representative on XX/XX/2020 at XXXX XXXX  to reiterate this along with the attached FTC affidavit via certified mail. Also attached is certified mail tracking information which shows the letter was received on XX/XX/2020 at XXXX XXXX. I subsequently called Total Card/XXXX XXXX XXXX on XX/XX/2020 to verify receipt which the representative confirmed. Per my rights under the FCRA I am considering the possibility of litigating this matter if not properly resolved. A XXXX search of XXXX   complaints for Total Card shows I am not the only person that has experienced extreme difficulties in Total Card/XXXX XXXX XXXX and their credit reporting practices and this seems to be a pattern and part of a strategy to purposely report incorrect information to the credit bureaus. XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am writing to submit a formal complaint regarding the incorrect information present on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute the inaccuracies, but to date, I have not received a response. I kindly request your assistance in addressing these issues and ensuring compliance with federal law. 

XXXX XXXX Account Details : Date Opened : XXXX XXXX, XXXX Balance : {$420.00} Disputed Information : Disagree with the reported Balance of {$420.00}, as I recall a lower amount. 
Request deletion of the Past Due amount as this account is closed and charged-off. 
Kindly mark this account as disputed to prevent any negative impact on my credit score. 
XXXX/XXXX  Account Details : Date Opened : XX/XX/XXXX Balance : {$3700.00} Disputed Information : The reported Balance of {$3700.00} does not correspond to the lower amount I remember. 
Request revision of the inaccurate Past Due information as this is a closed and charged-off account. 
Kindly mark this account as disputed to prevent further negative impact on my credit score. 
XXXX XXXX XXXX Account Details : Date Opened : [ Insert Date ] Balance : [ Insert Balance ] Disputed Information : Require verification of the Balance as I do not recall owing such a high amount. 
The reported Past Due amount is incorrect for a closed and charged-off account. 
Request marking this account as disputed to avoid any additional negative impact on my credit score. 
Verify Date Opened, Date of Status, and First Reported for this account. 
XXXX XXXX XXXX Account Details : Date Opened : XXXX. XXXX, XXXX XXXX : {$24000.00} Disputed Information : Incorrect reporting of the original creditor as XXXX XXXX XXXX  instead of the actual creditor. 
Dispute the Balance of {$24000.00} as it is higher than the amount I believe I owe. 
Request verification of Date Opened and Date of First Delinquency. 
XXXX XXXX XXXX Account Details : Date Opened : XXXX XXXX, XXXX Balance : {$520.00} Disputed Information : The reported original creditor is inaccurate ; it should be 06 XXXX. 
Dispute the inflated and inaccurate Balance of {$520.00}. 
Request verification of Date Opened and Date of First Delinquency.

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