BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-13
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: Reporting company used your report improperly

Complaint:
I have advised of these errors previosly. 
I recently received a copy of my ( XXXX, XXXX, Trans Union ) consumer reports, and I noticed some late payments posted on my consumer report, XXXX XXXX  Acct # XXXX Closed Account XXXX Late payments reporting on consumer report XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2021 XXXX is in clear violation of the law, Pursuant 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my consumer report? Furthermore the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 15 USC 1681s 3 of this title, any- ( 1 ) report containing information solely as to transactions or experiences between the consumer ( me ) and the person making the report ( XXXX  ) ; Delete the above late payments from my consumer report, XXXX is in violation of 15 USC 168XXXX I have on multiple occasions mailed supporting documentation and correspondence and not been sent validation or response to these documents and queries. I as the consumer am offering remedy to these violations and non-compliance to consumer laws. Please I ask in your capacity to get these important matters corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: BB&T CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I refinanced my auto loan in XX/XX/2018 from XXXX XXXX XXXX to XXXX XXXX. I called for 2 months asking when will I start to pay my auto loan through the new provider XXXX XXXX. I was notified the end of XXXX that my bill was due on XX/XX/XXXX by the time I was made aware of the due date it was already 30 days late. I have been trying to work with the company for a year to have this late payment removed but they refused to take responsibility for they lack of communication with the consumer. This late payment have destroyed my credit and is preventing me from being approved for a home loan. Please assist with this matter

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 2018-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I do n't remember giving my authorization to this company to get a loan

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 2018-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I do n't remember giving my authorization to this company to get a loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
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: Their investigation did not fix an error on your report

Complaint:
Since XXXX 2021, I have had XXXX collection accounts removed from my credit report because of a company error. Although the collection accounts have been removed, I do not see an increase with my credit score. I would like to know why my score has not increased since the removal of the negative accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Mr. Cooper Group 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:
While showing that my mortgage is an individual account, the remarks " In chapter XXXX bankruptcy ''. 

I am not, nor have I ever been, in bankruptcy. I contacted opened a dispute with XXXX. The dispute shows that the lender, Pacific Union Financial, confirmed that the information is correct. Please note, it is not. That is supported by NO other creditor marking any late payment or bankruptcy. There WAS NONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back on XX/XX/XXXX my mortgage was in the process of foreclosure, however during negotiations thru my attorney and XXXX XXXX XXXX 's attorney a resolution was reached to pay the back charges due and resume normal activity with mortgage, with no foreclosure and we remained in the home. This was completed sometime in XX/XX/XXXX. So for 6 years I have since made all payments as requested and per monthly statements I receive. Tax 's and XXXX is up to date. The last reporting date on my credit bureau, shows XX/XX/XXXX, and shows current under " payment status ''. But " account status '' shows " closed '', when the balance is XXXX from XXXX when this was worked out through XXXX XXXX XXXX, so balance as dropped as shown, I am not being given credit on bureau since XX/XX/XXXX, and this reports on Equifax and XXXX XXXX. I have called many times but can not get this resolved, and always have to speak to a automated person, or be transferred to someone else who can not help me, except they say " it takes time for updating '' Really? its XX/XX/XXXX, a year and half, since they lest reported. I am not sure why it stopped reporting, as it was reporting current payment but with a closed account?!? I am confused, and need this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
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 status incorrect

Complaint:
Back on XX/XX/XXXX my mortgage was in the process of foreclosure, however during negotiations thru my attorney and XXXX XXXX XXXX 's attorney a resolution was reached to pay the back charges due and resume normal activity with mortgage, with no foreclosure and we remained in the home. This was completed sometime in XX/XX/XXXX. So for 6 years I have since made all payments as requested and per monthly statements I receive. Tax 's and Insurance is up to date. The last reporting date on my credit bureau, shows XX/XX/XXXX, and shows current under " payment status ''. But " account status '' shows " closed '', when the balance is XXXX from XXXX when this was worked out through XXXX XXXX XXXX, so balance as dropped as shown, I am not being given credit on bureau since XX/XX/XXXX, and this reports on XXXX and Trans Union. I have called many times but can not get this resolved, and always have to speak to a automated person, or be transferred to someone else who can not help me, except they say " it takes time for updating '' Really? its XX/XX/XXXX, a year and half, since they lest reported. I am not sure why it stopped reporting, as it was reporting current payment but with a closed account?!? I am confused, and need this corrected.

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 2021-09-12
Company: EQUIFAX, INC.
State: GA
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 tried to get equifax to update the balances on my accounts. I have paid everything off and they continue to show a balance on several accounts. They are at least a month behind in correcting this information. If I was a month behind on a bill, they would destroy my credit. If they are a month behind in reporting, they destroy my credit. They can do anything they want and claim that the companies arent reporting to them. They are offering this service and they are past due on their performance. I think I should be able to send them a late fee. This is ridiculous and it should not be permitted. We need more regulation of these sloppy, poorly run, inefficient, untrustworthy companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Healthcare Receivables Group, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
HEALTHCARE RECEIVABLES XXXX Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Account Number : XXXX XXXX XXXX Credit Items HEALTHCARE RECEIVABLES XXXX Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX - XXXX Address Identification Number : XXXX Status : Collection account. {$880.00} past due as of XXXX XXXX. 

I never received any bill or notification stating anything was owed or due. I have requested copies of statements for amounts due to verify that I do in fact owe the balance and verify the debt is mine and again I have received nothing. I noticed that it was placed on my credit report and upon further research found that NC requires the agency to be licensed or registered with the secretary of state and found that they were suspended within the state and in violation. I would like this to be removed from all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
This is an ongoing continued complaint for a CLOSED Business due to the COVID 19 Shutdown that Capital One Continues to Ignore while still sending harrassing emails to pay the past due balance.

This is a Business Credit Card in which the business has been CLOSED DOWN due to the COVID 19 PANDEMIC. I have raised this issue with Capital One since the pandemic forced my company out of Business in 2020. Capital One has not assisted ( only reset payments for a few months ) which I preferred not to do. I preferred working out the situation. But Capital One continues to ignore that matter. The last letter I received not only did not answer my complaint but was jammed with " filler '' generic statements. The business is CLOSED. There is NO income. 

Does Capital One want to work it out or prefer to ruin my Credit due to a pandemic, then after 90-120 days of late payments offer a settlement? Is that the plan for a business customer with Capital One for more than 10 years?

This is a predatory act on the part of Capital One that needs to be resolved ASAP. Why was I even sent such a ridiculous response from the associate named " XXXX ''? It was poorly researched and did not attend to the matter at hand. 

This matter has also been referred to our XXXX FL District Congress woman, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, since it is clearly being handled without good faith and in a predatory manner as Capital continues to ruin my personal credit, post late fees and interest on a CLOSED COVID 19 Business. 

We also ask Capital One to please keep an orderly file off every complaint we have submitted to prove our responsibility and good faith in trying to rectify this situation while Capital One has acted in a shameful manner month to month from Day 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ENHANCED RECOVERY Recent balance {$5300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Original creditor XXXX Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$5300.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual I have no idea why this would be on my credit plus the amount is unrecognizable. I've never owed that to any company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Bridgecrest Acceptance Corporation
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted all the credit bureaus on numerous occasions to have an account removed from a debt collection agency by the name of Bridgecrest Credit Company. I have sent letter and emails to the debt agency as well as the credit bureaus asking for them to fully verify this account being mine with original documentations and signatures in a timely manner. I have n't received a proper response. I have been disputing and asking for validation since XXXX/XXXX/XXXX. I as a customer have the right to know who and is attempting to collect alleged debt and why. I have been ignored, and have n't been reviving no response and its shameful.

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 2021-09-12
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: Their investigation did not fix an error on your report

Complaint:
The bureaus are still reporting inaccurate, incorrect dates as well as amounts. Im seeing that theyre saying they did investigations, but if the dates & amounts are all inaccurate on the charged off accounts then due to the FCRA these accounts must be deleted from my credit reports. 

The XXXX XXXX account was also paid off & the bureaus are still reporting that this account is owed. Ive also sent proof from my checking account as well as my XXXX XXXX app showing that this has been paid off. If the bureaus continue to report this inaccurate information on the accounts that I have sent over, I will be left with no other choice but to take legal action for not only defamation but violation of the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Navient Solutions, LLC.
State: NV
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:
I believe I was deceived by Navient with repayment of my student loans, specifically private loans. I have notes of some of my struggle with Navient. My struggles started around XXXX when Navient was still XXXX XXXX. I was trying to find a way to get into a manageable payment plan and was directed into paying for a forbearance a couple of times ; I believe I paid {$50.00} the first time and then another was {$150.00}. I was then put in a payment plan. However, when Navient took over my payments they started to misapply the payment and some loans that were originally in the payment plan were no longer included. I have first names, specific dates, and some details of my contacts with Navient. I also have notes that some of my payments were misapplied. There's also an instance in XX/XX/2017 where payments were deducted from my bank account incorrectly which incurred overdraft fees. While Navient reversed these charges, they did not refund the overdraft fees that resulted in their mistake, despite the proof I sent them. I believe I was mislead and misinformed regarding my payment options.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-06
Company: Credit Bureau Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was admitted to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX FL on XX/XX/XXXX, Ref # XXXX with XXXX XXXX XXXX. I was there for about 6 hours and care that was provided is unacceptable, as well as treatment. I was prescribed 5 different medications, but wasn't explained what are they for and how it should resolve my XXXX. I followed instructions as prescribed and my condition didn't improve at all, I was worse. 
I called XXXX on XX/XX/XXXX for additional instructions, my XXXX XXXX XXXX  had increased and I was told to come back to XXXX. Due to my increase XXXX XXXX XXXX, I was not comfortable going back to XXXX because of their concern about money and not my care as a patient. 
I contacted my primary care physician on XX/XX/XXXX who was out of town, the on-call physician was out-of-network. Desperate for pain relief and concerned about my dangerously XXXX XXXX and I was placed under the care of the only physician available. 
I received a bill from XXXX 4-5 months later with outrages charges - one of them was XXXX XXXX for {$7600.00}. Not only did I receive astronomical charges, but I was forced to seek additional urgent medical attention. I feel these medical practices were unfair and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: Accurate Background
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I WAS HIRED BY AN XXXX XXXX XXXX XXXX FRANCHISE LOCATION IN XXXX, ALABAMA BY XXXX XXXX THE OWNER ON XX/XX/2019. I BEGAN WORKING AND TAKING THE REQUIRED CONTINUING LEARNING CREDITS ON XX/XX/2019. XXXX WAS AWARE AT THE TIME OF HIRING ME THAT I HAD BEEN IN SOME TROUBLE WHEN I WAS MUCH YOUNGER. SHE DID NOT ASK FOR A FULL EXPLANATION, BUT SHE KNEW. MY BROTHER 'S GIRLFRIEND XXXX XXXX ALSO WAS HIRED, BUT SHE WAS HIRED AS A CUSTOMER SERVICE REP. AFTER THE XXXX AND XXXX XXXX HOLIDAY, I WAS ASKED TO START WORKING AT XXXXXXXX XXXX OTHER XXXX XXXX XXXX XXXX LOCATION IN XXXX, ALABAMA. ON XX/XX/XXXX, XXXX ADVISED ME SHE HEARD SO WHISPERING IN THE OFFICE ABOUT " SOMEONE '' WORKING THERE THAT HAD A BACKGROUND. LATER THAT DAY THE OFFICE MANAGER XXXX MADE AN ANNOUNCEMENT THAT THEY WERE RUNNING BACKGROUND CHECKS ON EVERYBODY IN THE OFFICE. SUBSEQUENTLY AFTER THE ANNOUNCEMENT WAS MADE XXXX CALLED THE XXXX LOCATION AND ADVISED ME THEY WOULD BE RUNNING BACKGROUNDS ON EVERYBODY IN THE OFFICE BECAUSE OF A NEW REQUIREMENT FROM CORPORATE. I WAS NEVER ASKED WAS IT OKAY. I WAS NEVER ASKED TO SIGN A CONSENT TO RUN THE CHECK, NOR WAS I GIVEN A PRE OR POST ADVERSE LETTER. AFTER THE BACKGROUND CHECK CAME BACK I WAS TERMINATED FROM THE COMPANY BY XXXX. I CONTACTED THE COMPANY THAT RAN MY BACKGROUND CHECK BECAUSE THEIR WERE INCORRECT INFORMATION. THE LADY THAT I SPOKE WITH ADVISED ME THEY REQUIRE THEIR CLIENTS TO CHECK A BOX WHEN THEY ARE ORDERING A BACKGROUND CHECK STATING THEY HAVE WRITTEN SIGNED AUTHORIZATION TO RUN THE CHECK. THAT NEVER HAPPENED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
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: Personal information incorrect

Complaint:
Equifax has my name misspelled. I submitted a dispute and the documentation they required through their online dispute center on XX/XX/2021. I received a confirmation email that advised me I would be notified in approximately 30 days when the results of the dispute were available, which is also stated on their website and in their online delivery agreement the consumer must consent to in order to proceed with the dispute. 

Having checked their online dispute center today, I see that my dispute was marked closed the same day it was opened, XX/XX/2021. Equifax has not corrected the error and did not notify me that the investigation was closed. 

It's worth noting that I had tried fixing this error by phone once previously and was directed to their online dispute center.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
My husband Took out a home equity loan without my permission using our joint property as collateral I never signed the documents for this loan and I did not even know it existed until he died in XX/XX/XXXX. I have contacted Wells Fargo numerous times and I had to go to the county and request various documents in order for them to send me a copy of the loan. I did not sign The fact that I did not sign is visible on the documents. This loan was taken out in XX/XX/XXXX without my permission without my acknowledgment as visible in the documentation I believe this was done under the unfair mortgage practices of the XX/XX/XXXXand XX/XX/XXXXmortgage debacle

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