BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One has incorrectly reported that I have a late payment for my card in XX/XX/2022. This has caused my credit score to go down significantly. I have contacted the company 3 times and this has not been corrected. I have also filed disputes will all 3 credit bureaus and this has not been resolved. I have confirmed with Capital One that I paid the card on time 100 % of the time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have disputed this account several times to the credit bureaus. I have sent them a copy of the debt cancellation letter and its still not being removed. Please help I called XXXX Bank and they have said there isnt anything else they can do This is a XXXX XXXX bank account.

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 2021-08-16
Company: EQUIFAX, INC.
State: NY
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX Hospital 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 2023-08-25
Company: LEXISNEXIS
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It seems that this company violated my rights under 15 USC Code 1661 by releasing my information without written consent, affecting my credit report. This is a breach of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2018 I submitted a letter to Experian which was to follow up on a letter submitted XX/XX/2018. I was told that the courts verified the public record then I stated the US courts doesn't report Public record. then they stated it came from XXXX. I contacted XXXX  they stated that they have not verified any items to Experian.

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 2020-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 I received a phone call from someone claiming to be with XXXX. They stated that there was an error with my XXXX account and needed to walk me through correcting the issue. 

They asked me several questions about my account, my name, my XXXX  account, etc. After asking for the information, They were able to access my account on my phone. They informed me that in order to correct this information they would need me to open my account app so they could ensure it was working properly with the XXXX. 

I noticed when they were doing this, funds began moving from my account through the XXXX app. This first transaction was for {$1200.00} at XXXX, however this transaction failed. I was told this was because my XXXX was broken. The second transaction was for {$1900.00} which was successful. I was told the XXXX was fixed at that point. I was then told the funds were being immediately sent back to the account. however they did not. When I questioned the representative she stated to just hold on a sec she was working to get the funds put back into the account. Then she hung up. I tried calling her back from the number that she called from, however it was a disconnected number. 

I immediately called Bank of America and advised them of what happened so they could try an investigate the theft that had just occurred on my account. They stated they would immediately look into this. 

Almost 90 days later I received a notice from BANK of America stating they would not refund my stolen funds.

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 2018-02-27
Company: EQUIFAX, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
1.Equifax has made it impossible for me to retrieve my credit report from them " online '' via their offered monitoring services. They have told me verbally that I will " never '' be able to utilize their online service and I will have to contact them by phone directly to their " Consumer Affairs '' dept. for any access to my file or even to make disputes.The last time I spoke to them they would not verify any account information on my file and said that they needed to mail me docs to validate myself which I've yet to receive. 
2.Equifax has continued to dismiss and under-report accounts that are being reported to them by Creditors such as ( XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX ) all of these accounts I am an " Authorized User '' via " XXXX XXXX '' ( Primary Card Holder ) who can be contacted at ( XXXX ) XXXX or XXXX XXXX XXXX XXXX, TX. XXXX. I have been on these accounts for nearly a year and Equifax has never reported any of them. 
3.Equifax has deliberately ignored my request to them to remove the " Extended Fraud Alert '' dating back to " 2013 '' which I did not request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I bought a new refrigerator in XXXX for {$1400.00}. I paid the card off in less than 4 months : {$200.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, {$240.00} on XX/XX/XXXX, {$800.00} on XX/XX/XXXX. In XXXX I received a bill saying my last payment was late. I submitted the payment on time and it is sent electronically but apparantly it took an extra day for some unknown reason. Because of that they charged me a late fee. I called and spoke with a representative and then a supervisor and neither would eliminate the late fee. I have never been later before, I always pay my bills on time and I always try to pay off my bills as quick as possible. I tried to explain that I made an {$800.00} payment to bring my balance to XXXX. I tried everything and they still refused to reverse the fee so I closed the account and told them I would not be paying the fee. 
They just sent me another statement and now they are charging me more fees. I have a XXXX balance but now they have charged me more late fees and interest and now are saying I owe {$99.00}.

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 2023-12-08
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
1. I gave them the option of introducing my brother in law as the co-signer but Mr. Cooper put the hurdle that the co-signer should be immediate family member and living in the house. 
2. I am a US citizen, single mom with XXXX XXXX  of age XXXX with one son on XXXX XXXX. All his services and benefits are attached to this address. And I work as his live in XXXX XXXX XXXX. 
3. Mr. Cooper is pushing me to increase my own income by working more than I already do, if I get work outside I miss on taking care of my child who needs it. The debt to income ratio should not even be considered as I am already on the loan and have never missed a payment. So all they have to do is take my ex XXXX XXXX name off the liability of the loan. Otherwise it will keep the door open for my ex to harass and be XXXX  towards me and the kids legally even after I have permanent XXXX XXXX XXXX XXXX against him. Save me and kids from this abuse. He doesnt want his name on the loan, I dont want his name on the loan. 
4. I applied for loan assumption so I can keep my 3.375 % interest rate and I was already on the loan, I would not qualify for a refinance. Kindly help, ask Mr. Cooper to take my brother in law as a co-signer or simply remove my ex name from the loan and let me assume the liability. Anyhow for the past 2 years I have been the only one taking care of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: DISCOVER BANK
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX  I applied for a Discover IT prepaid card to establish credit. ( Prepaid ) this shouldn't have shown as a hard inquiry on my credit report! This shows multiple times as a hard inquiry on my report. I was mislead and misinformed that applying for a secured pre paid credit account should show as if I applied for a Discover card. I need these hard inquiries off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Since the beginning of 2023 Genesis company has been contacting us for a debt that we were not aware of. On XX/XX/2023 I sent them a letter requesting to send me more info about the debt as well the contract that they have with the apartment that gives them permission to request for a payment and ledger of my old account to verify accuracy of the charges. I asked them to send info in the next 30 days and asked them to give me 30 days to revise information. I asked to cease all calls during this time and they have not responded and they keep calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: The Outsource Group, Inc
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company keeps calling us concerning a debt that is for a person who does not live here. We keep telling them this and to stop contacting this number, but we continue getting calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-04-25
Company: Southwest Credit Systems, L.P.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AFTER 697 DAYS SUDDENLY A CREDIT COMPANY SAYS I OWE XXXX XXXX {$520.00} BUT XXXX XXXX REFUSES TO PROVIDE A FINAL BILL MY CREDIT CARD COMPANY CONFIRMS MY LAST PAYMENT. I HAD TO CHANGE PROVIDERS WHEN I MOVED FROM XXXX TO XXXX AND I HAD TO PAY XXXX XXXX IN FULL WHICH I DID INORDER TO KEEP THE SAME PHONE NUMBER

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been in communication with Freedom Mortgage who is my current mortgage company to refinance since XXXX. I have been giving them the documents they ask for on a timely manner. When I provide them my financial documents that they ask for they keep on coming back asking for the same documents. I keep giving them documents and they keep asking for the same documents. For instance they ask me for my profit and loss statement and ask why lab fees are not listed like they are on my taxes. I explained to them that there is not spot for lab fees on a profit and loss statement. So I provided them an expense report and told them the name of the lab company so they can see the lab fees on my bank statement and expense report. I am on my 3rd profit and loss statement because they other ones are too old now. They always come back and ask about the lab fees which I have explained numerous times. Does it usually take 9 months for a refinance. I would maybe understand if I was asking for money with my refinance but I'm just lowering my rate.

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 2020-10-26
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My father passed away and left me his home with a XXXX XXXX mortgage. I fell behind on the mortgage due to me losing income and not being able to sustain on Social Security Income alone. I then lost more income as the pandemic went across the United States. I called my servicer, Shellpoint, and requested the forbearance plan under the CARES act. I spoke to representative XXXX XXXX who informed my that they would not let me enter into a forbearance plan due to my account not being current. I advised that I had read the CARES act and it says it is available to everyone with a federally backed mortgage regardless of delinquency. They still will not let me get on the plan and pause foreclosure action. Also, during the forbearance I am able to make payments thereby reducing my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AWA COLLECTIONS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 50 days since I sent my letter and I have yet to receive a response. I feel like I my disputes are being ignored and I am being taken advantage of. It is stated in secton 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. It has been over 50 days so they should be deleted at once. I demand these accounts be deleted immediately or I will have to file for litigation. This situation has caused stress and has negatively affected my living situation. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: CREDIT ACCEPTANCE CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was in a car accident and my car had been totaled. I was in need of a car that same weekend for work because I travel and have to carry equipment. Nothing was really explained as to why it was charged, it was simply here 's the fee with no explanation behind it. I was under a lot of stress just trying to get a car because of how quickly I was going to need it for work. Because of the distress that I was under I was not able to ask any of the proper questions and they had the ability to charge me any sort of Financial Charge without me being able to question 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 2021-10-20
Company: DISCOVER BANK
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:
Hello, months have gone by and I still havent received remedy for my complaint. I have been ignored and taken advantage for several months. Discover Bank has falsely and inaccurately reported a late payment to my credit reports on XXXX XXXX.When I asked the executive office to prove that they have permission to report anything and especially an experience between us to someone or another company ; XXXX XXXX of the executive office of customer advocacy then proceeds to send me an email with a member card agreement. I Have a screenshot attached of the email with the date stated by him. Discover Bank has violated my rights as a consumer put in place by the government in the FCRA. Pursuant to the law 15 USC 1681a 2Ai it states : Report containing information solely as to transactions or experiences between the consumer and the person making the report is to be excluded. Stated by Congress a person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency or any other entity. A late payment is a transaction between the consumer and the person ( corporation ) making the report. This company reports to the credit reporting agencies. Congress says the transaction and experiences between the consumer and the person making the report is not to be included in your consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Advance America, Cash Advance Centers, Inc.
State: MI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
After the last complain i made to advance America because of the loan that was taken out of identity fraudthe complain was attended to and solve, but I went in to apply for a loan, they wont welcome me and says not approved without any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

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 2019-08-08
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:
In XX/XX/2012, I call the company ( First Premier Bank ) to pay off the account. They told me the account was sent to the collection company. I've tried to pay this account for the past 7 years with so many collection companies. It's been over 7years it needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Midwest Recovery Systems
State: AL
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:
Midwest Recovery reported a collection on my credit report on XXXX19 of XXXX. I have not done business with this company, nor received communication of this debt. when asked for validation of debt no information was validated

Company response to consumer: Closed with explanation