BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-17
Company: FIRST PORTFOLIO SERVICING INC
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
During the later dates of XXXX, I received a few letters informing me of a court case regarding my private student loan via 'Peaks Private Student Loans '. I continued to pay my loan as always, but then I received a letter from Peaks stating that my private loan had been settled, and that I no longer would owe on this private loan. At the time I found out this information of no longer owing a balance, I had payment that went through an ACH transaction with my bank that I had previously set up to make every month, in the amount of {$77.00}. According to the settlement paperwork, it states 'Vervent will reject or return any payment on your Peaks Loan that is received after XX/XX/XXXX. I then waited a bit to see if I ever saw a refund on the {$77.00} that was debited from my account via ACH, but I never received the refund. So on XX/XX/XXXX I spoke to Peaks Loans, and did as XXXX requested by emailing a bank statement with the withdrawal information, and a trace number the bank provided me for this {$77.00} payment. I was informed I would hear something back, but did not, so I then contacted them again on XX/XX/XXXX. I also spoke to XXXX with Peaks Loans this day, and he wanted me to verify that indeed my payment was made ACH, so I called my bank again and verified that it was ACH withdrawn on XX/XX/XXXX. With this information I called Peak Loans back and advised them again, that it was an ACH withdraw and XXXX then placed an email to his supervisor, and once he heard something back from them, then he would let me know. On XX/XX/XXXX, I contacted Peaks Loans again and spoke with XXXX, and reassured me he had sent this email and he hadn't heard anything back, so I was to wait to hear back from them. Then on XX/XX/XXXX, I decided this was enough time, and called Peaks Loans yet again, and this time I spoke to XXXX again, and he was at a loss and tried to give me a number to call, which in fact was the same phone number in which I had just contacted him at, so that didn't go over very well with me. He then said I needed to call back in 30 minutes because his supervisor was trying to figure out who and where I needed to take this issue to. I then called back 30 minutes later, to get XXXX back on the phone and for him to advise me I would need to reach out to the 'Bureau of Consumer Financial Protection ' that there was nothing more that Peaks Loans could do for me, he also provided me with the state attorney generals name and email address. So I am starting off here by filing a complaint, to see if you all are able to follow through with getting my XXXX payment refunded to me, as the settlement letter stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: In progress
Consumer complaint received 2018-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In XX/XX/XXXX I fell very ill, I defaulted on a Capital One personal loan in XX/XX/XXXX and stopped making payments. I was unable to pay the debt, Capital one sold the loan to XXXX XXXX who hired a lawyer, who used every unlawful tactic to try and collect the Debt. in XX/XX/XXXX I contacted a lawyer who advised me that I could counter sue Capital One and XXXX XXXX for what was being done to me. I called Capital One, after discussing the matter and my legal rights. I was informed that they would release the Debt and remove it from credit report. It was shortly removed from credit report, hence I thought the matter was cleared up. Then, in XX/XX/XXXX the debt reappeared on my credit report under XXXX XXXX but was bought by XXXX XXXX XXXX. I contacted them, they said, they didn't know about the harassment from the past and were collecting the debt. I told the representative I felt it was wrong and unethical for them to report it now after all these years when a verbal agreement was reached and was honored for 6 years. 
So I then asked when it would go off my credit, the Rep said in XX/XX/XXXX because my last payment was XX/XX/XXXX, I told the rep that my last payment was in XX/XX/XXXX or XX/XX/XXXX, which means this debt should already be removed from credit report. The rep was unhelpful and said she would note the account. I writing to get resolve on this and hopefully move forward from a very bad past with the collection practices of this company. I have held on to tape recording from 5-7 family and friends who had calls with messages detailing personal information and threats from the agency used by Capital One or XXXX XXXX from XX/XX/XXXX. I am looking to have this debt immediately removed from credit report. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
opened a Citigold checking account on XX/XX/2016. I opened the account because of the sign up bonus offer I received in the mail. The offer was I would receive XXXX XXXX miles after making 2 bill pays and spend {$1000.00} using my debit card. I called to sign up for the offer and also received confirmation that I have met both requirements. As I have n't seen the miles posted to my account, I sent an email to secured message center and was told I was n't qualified for this offer! How is that possible? I had been told verbally and in writing that the offer is attached to my account. I incurred monthly service fee of {$30.00} and now I 'm told that I do n't get the sign up bonus? How can Citi not honor the promotion that I was told that I qualified for? I have documentation through a secure message where I was told that I had met all qualifications for the offer and would receive the points.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I strongly request a swift update to my account since I've consistently paid on time. The present issue is causing me significant stress and concern.

Company response to consumer: In progress
Consumer complaint received 2016-02-04
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 've been waiting since XXXX XXXX for the state of Alabama to investigate a tax lien against me. The lien was for unpaid state income taxes in XXXX, which was not valid as a I was a Louisiana resident. Finally, the state 's taxpayer advocacy office provided me with the attached letter saying I did not owe the state and that the lien should be rescinded. I 've disputed the lien on my credit report for all XXXX bureaus, providing the letter from the state as proof, but the bureaus will not remove the item. I am seeking to have the lien completely removed. I 'm hoping this can be done soon, as I need to help my mom buy a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: EQUIFAX, INC.
State: DE
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:
Last XX/XX/XXXX my ex husband was late on the car payment with XXXX XXXX XXXX XXXX, Because he was not on time with his payment my credit score and report were and are still being effected. His failure to comply with court orders is preventing me from moving on and providing a place for our daughter and myself a place to live. I have worked very hard to repair my credit and have had no late payments in 4 years except this one from my ex husband. I believe that in goodwill the derogatory report should be removed because it was not my fault and the vehicle should have been out of my name if the ex had followed court agreements 2 years prior to the late payment in XXXX. I still have to suffer because of his negligence even though we are no longer married. In XXXX there was a court ordered agreement that he insisted on keeping the vehicle a XXXX XXXX XXXX. He agreed to have the vehicle refinanced and my name removed from the vehicle loan which he failed to do by XX/XX/XXXX. I filed for our divorce and included in our separation/divorce agreement there were two separate times he again agreed to have the car refinanced and my name removed from the vehicle. Which he failed to do, I filed with family court a '' Rule to show cause '' why he was unable to follow through with our legal agreement. the court gave him 4 months to have the car refinanced. We were scheduled for another court hearing on XX/XX/XXXX he did not appear for the hearing and claimed he was out that day having the car refinanced. He was able to refinance the car and have my name successfully removed. The loan with XXXX XXXX was paid off that was the only late payment ever made on the account. I would like to put this behind me and move on with my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to appropriate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
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:
The following accounts are not mine and i need them to be removed from my 3 credit reporting agencies. 

1. Identity Theft XXXX  XXXX XXXX XXXX XXXX This is not mine 2. Identity Theft CAPITAL ONE BANK USA N XXXX This is not mine 3. Identity Theft XXXX XXXX XXXX  XXXX This is not mine 4. Identity Theft XXXX  XXXX This is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Incomm Holdings Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I bought a my vanilla prepaid Visa card at the XXXX  XXXX. I added {$80.00} to the card at the XXXX  XXXX  register when I bought the card. When I tried to register the the card online it wouldn't let my information go through and wouldnt activate my card it gave me I error message in red at the top of the screen saying to contact customer support. When I called the number that was provided for customer support it said they are experiencing extreme call wait times and I was placed on hold for over a hour. I have tried several times to call them back and they still havent answered their customer care line. I am extremely upset at this company for not allowing me to activate my card. The card is distributed and serviced by InComm Financial Services , Inc. And the phone number for then customer care center is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
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:
Hello, I have XXXX Items that do not belong to me on all three of my Credit Reports ( XXXX, XXXX, and Equifax ). For the past 2 years I have been fighting to have these items removed. Several of my letters have requested that they send me proof that the debt belongs to me. The bureaus are returning messages stating that the debt has been verified. They have said they verified the debt with the actual Creditor, But how has this debit been verified? no one has sent me any signature ID or anything that would confirm that I indeed have an account with the creditor. 

Over a month ago I sent certified letters to all three bureaus ( XXXX, XXXX, and Equifax ), requesting an investigation of the the items on my report that were incorrect. 

1. XXXX  XXXX XXXX xxxxxxxxxxxx XXXX ( XXXX, Equifax ) 2. XXXX XXXX xxxxxxxxxxxx XXXX ( XXXX, XXXX, Equifax ) 3. XXXX XXXX xxxxxxxxxxxxxxxx XXXX ( XXXX, XXXX, Equifax ) 4. XXXX xxxxxxxxxxxx XXXX ( Equifax ) Not to Mention there are address that do not belong to me appearing on all three reports in which I've already sent in proof of address. These address should not appear as it does not belong to me. Where are they furnishing these addresses from, once agile im being told its from the Creditor, however if these accounts are not mine how can the Creditor verify an incorrect address? 

XXXX XXXX XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NJ XXXX I received responses from XXXX  XXXX, XXXX and XXXX. All of which have either an incorrect address. They also have no proof that the account belongs to me. No ID no proof of signature. They are Falsely Reporting items on my report that have hindered me from getting a mortgage to purchase a home and purchase a vehicle. 

Also XXXX took me to court and as of XX/XX/2022 the case was dismissed with no Prejudice. XXXX XXXX submitted an application for said loan however, it does not have my signature it has an Initial and it also doesn't contain where someone witnessed me signing for this load with their signature. 

I will attach the Documents that were sent to me including a FTC report I filed and sent to the Bureaus in XX/XX/2022. 

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED. THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code {$1600.00} ( A ) ( 2 ), 15 usc 1692j ( a ). and 15 usc 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion XXXX XXXX, FTC complaint # XXXX I am writing to formally request the deletion and blockage of certain information from my credit report and to dispute the accuracy of my XXXX XXXX. I believe that there are inaccuracies on my report that are negatively affecting my creditworthiness. 

Specifically, I request the removal of the following accounts and inquiries from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX ) - XXXX Additionally, I request the removal of all inquiries related to the mentioned accounts. I believe that the presence of this information is inaccurate and has led to an unjustifiably low XXXX XXXX. My current score is reported as XXXX, whereas I believe it should be closer to XXXX based on my financial history. 

I am concerned that TransUnion XXXX be discriminating against me based on my social security number, which begins with a XXXX. It has come to my attention that individuals of minority status, particularly those of the XXXX faith, have experienced similar issues with TransUnion. This leads me to believe that there XXXX be discriminatory practices at play. 

I want to emphasize that TransUnion is the only credit bureau that is allowing fraudulent information to persist on my credit report. I find this situation unacceptable and damaging to my financial standing. 

If these inaccuracies are not promptly addressed and corrected, I will be forced to file a formal complaint, including allegations of discrimination, against TransUnion. I trust that you will conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracies on my credit report. 

Please provide me with written confirmation of the actions taken to address my concerns within 30 days of receiving this letter, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2023-08-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I've disputed these accounts, I have proof I've disputed these accounts, it has caused me and my family hardship, I want to be paid for financial relief, hardship and emotional distress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I got a divorce and was awarded my home and I been trying to get a loan modification from XXXX then i was told that Cornerstone was a servicer and I have to work with them so I Had my lawyer to send them numerous letter so they could work with me to get a interest rate decreased since I am paying almost nine percent on this loan and then Cornerstone sent me modification forms that I fillled out and faxed to them ten different times because everytime I called i get a new person they would say they are missing something but they was not Because they sent letters to me saying they received everything i also went to a Hud counselor that they refused to speak to and he also sent them information that I was also I just got another lettter of deniel saying I did not have enough income and that XXXX XXXX was my loan holder I went to XXXX and they said that my loan is with XXXX with the servicer being Cornerstone Yesterday i received a letter that they had not received a payment in XX/XX/XXXX I have been going to court with Cornerstone/XXXX numerous times since the year XXXX and each time i went I proved that I was right and not behind and that they was wrong even checks that XXXX cashed as well as Cornerstone i just want the chance to pay off my loan in a timely manner and time I am not behind and I do pay them every month I only owe XXXX but with me have to pay my attorney and theirs I will never get the chance to pay off this loan. Yes i know i was behind years ago but not now I feel that they are not giving me a chance to pay my loan I was in a abused marriage for XXXX XXXX years and now I am being judged and abused by my mortage company also

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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:
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate XXXX But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting.

Company response to consumer: Closed with non-monetary relief