BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2021-06-08
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: Public record information inaccurate

Complaint:
I need some help I have disputed a public record appearing on my credit file several times. This is inaccurate information against me. I have called the court house and nothing is listed under my information but this appears on my credit file. Please help resolve

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 2022-09-02
Company: Experian Information Solutions 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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2022-09-02
Company: EdFinancial Services
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had called on XX/XX/XXXX to request a refund for my payments that were made during the COVID forbearance as I was not aware getting a refund was an option. When I finally got to speak to a representative after being on hold for over 2hrs, I was told they would refund my payments but it would take anywhere from XXXX months to receive my money back. When I asked how long it would take for my loans to be reinstated back to their balances prior to my eligible payments, they were unable to provide me with an answer. I called again on 8/31 to inquire if my refund was being processed. The representative on the phone said that there was no note saying that a refund was requested. I informed her that I had requested a refund for my covid payments last week. When I asked how long it would be for my refund to be processed, I was told it would take 150 day, not the 7-9 months I was originally told. When I asked again how long it would take for my loan to be reinstated, I was once again not given an answer. 

I have not been able to get an answer for how long it would take for my loans to be reinstated and I have been given conflicting information for how long it would take for me to receive my money back. There is a lack of transparency from my loan servicer and no accountability of whether or not my refund is actually being processed. I have no tangible proof that my refund was requested either and I am unable to track the request because I was not provided with an email or notice of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The thief has my SS, DOB and address. With this information, the thief conveniently called the credit reporting agencies and was able to place a fraud alert on my file and CHANGE THE PHONE NUMBERS on my account. I am SHOCKED that the credit reporting agencies allow a phone number that has been in use for 20+ years to be changed that easily and NONE of the agencies notified me of a change to my contact information. THANKS to the Credit Reporting Agency changing my phone number, the fraudsters were able to buy a car in my name with the Car Dealership contacting the FRAUDSTER at the number they had provided to the Credit Reporting Agency, i.e. XXXX. The credit report supplied to me by the dealership clearly states to contact the consumer at a fraudulent phone number to verify the application for credit. With increased sophistication of FRAUD, XXXX, TransUnion, and XXXX   CLEARLY NEED A NEW METHOD of verification besides SS, DOB and ADDRESS. Perhaps a good called ID would be a good investment.

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 2022-09-02
Company: Experian Information Solutions Inc.
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:
This is my final attempt before taking Experian to federal court. They did not conduct a proper investigation. Experian is knowingly reporting inaccurate information on my credit report and in violation of the FCRA. I have sent a copy of my inaccurate credit report. I also have a recorded audio call from Experian fraud department, XXXX, stating my credit report is inaccurate and agreeing that FCRA laws are being violated. Please delete these accounts or I will begin the process of getting an attorney. You violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 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  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation. 

( Please see attachments )

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 2015-10-13
Company: Southwest Credit Systems, L.P.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I began receiving daily phone calls from XXXX ( a New Jersey number ) on XXXX. This is a number I do not recognize, and when I pick up the phone the response is silence even after waiting a few moments. I looked up the phone number online and apparently the phone number is coming from a company called Southwest Credit Systems but I have no confirmation of this directly as no one speaks on the phone when I answer the call. So far the phone calls have occurred on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

It appears this company is a collections agency. I checked all XXXX credit bureaus and all of my bills are paid in full with no issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-02-08
Company: BARCLAYS BANK DELAWARE
State: IL
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 have had a XXXX  balance and XXXX  use on my card for the last 3 weeks or so and I've been seeing a {$29.00} minimum due for the XXXX. of XXXX ( this month ) which I had no purchases or a balance. On the XX/XX/2021 I've made a purchase/transaction for {$26.00} and it appeared on the statement XX/XX/2021 the date which would of been a payment due date if I've had made the purchase during those 3 weeks, so I payed that {$26.00} and some change off on XX/XX/2021 and now today ( XXXX ) I see on my account that there is a note saying I need to pay Barclays more money or they will put my account in past due status. How is my account in past due status when I owe them nothing? My account is paid off and a XXXX  balance ( I took a screenshot if you need it ) I owe nothing and they want to report me, and possibly others. I think Barclays is running a scam with the credit bureaus to ruin peoples credit during these delicate times so people credit reports can be ruin, because I see no other way how since this pandemic that I've been contacting you and other agencies to report them of their unfair practices against me and I've never really had a major problem with them until this pandemic so I have no other way of thinking why I am target against their payment schemes. And now, every time I call them their phone line goes dead on me because they have my number stored so their system recognize my number and I'm guessing ( no other reason ) the system is blocking my calls from getting patched over to speak with anybody.

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 2018-04-16
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I purchased 2 CDs in my minor children 's names from XXXX XXXX onXX/XX/XXXX. I divorced and moved later that year and forgot about the CDs until I was cleaning out my file cabinet inXX/XX/XXXX. When I researched where XXXX XXXX was located, found that it was no longer in existence, had changed names twice and was now PNC Bank. I went to my local PNC branch to see how to handle getting the money from the 21 year old CDs. PNC says they have no record of these CDs, no record of my account information, but also has no proof that they have remitted the monies to me. They say that I must have cashed but since they were hidden in my files, there is no way I've cashed as I still have them in my possession. These CDs are auto-renew and fixed, continuous interest method. I was told to contact Channel Services with PNC to which I sent copies of the CDs along with a letter explaining the situation. I received notification that PNC has no record of the documents/account and can't give me any further guidance. I'm told that PNC only has 7 years of records and a transaction this old would not be in their files but the funds have never been remitted to the State of Ohio or to me. The bank has kept my money and not followed the correct process to remit money to the state unclaimed funds or sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Mr. Cooper Group Inc.
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
the company, " Mr. Cooper '' first contacted me saying that my mortgage loan was transferred to them and that they were a 'loan servicing ' company. I even had occasion to speak to one of their supervisors (? ) early on and she never disclosed that they were a collection agency. They never would ( or could ) tell me why the loan was transferred. [ i had known from the outset that there never was a loan. ] several weeks later I get correspondence from Mr. Cooper, with the verbiage, Mr. Cooper is a debt collection agency. 
I have repeatedly requested they stop contacting and harassing me, but yet they continue with mailing and robotic calls nearly daily. 
I want the CFPB to point me to properly file not a complaint but a claim against XXXX XXXX the CEO of the  monster.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ACH payment with XXXX XXXX on XXXX of XXXX of XXXX although the balance was XXXX as my credit line was XXXX we spoke on several different times concerning my account. As I had insurance to cover the credit card as the payments where being paid every month for six months. Next XXXX XXXX blocked my card. I never charged anything although the statement said a charge was made on my card electronic. When I asked about it XXXX XXXX just asked for money. Now Midland Credit Management as of XX/XX/XXXX is bringing my credit score down as if XXXX XXXX has my credit card open by {$1.00} decrease causing my credit score to drop by XXXX points. As of XXXX I then again went on Midland Credit Management and paid another XXXX online. As Midland Credit management continues to bill me by mail as if I didn't have a confirmation number with the payment online with my information. Next I noticed Midland Credit management has two different personalities one  in XXXX XXXX, California and another in XXXX, Mi playing one location against the other over and over again on my XXXX  when I disputed a few times before it was deleted and here Midland Credit management again. And the same things happened with the XXXX XXXX XXXX  XXXX as over XXXX people are filing complaints similar to what happened with my credit card with XXXX XXXX XXXX  secured credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE BEEN IN XXXX SINCE XX/XX/XXXX. I CAME BACK IN XXXX OF XXXX AND WAS TRYING TO LEASE A VEHICLE. THIS CAR DEALER WHO PULLED MY CREDIT REPORT, NOTIFIED ME THAT THERE ARE SEVERAL COLLECTION ACCOUNTS IN MY CREDIT REPORT AND CAN NOT LEASE ME A VEHICLE. SOME SUSPECT ( S ) USED MY PERSONAL INFORMATION AND OBTAINED CREDIT AND SERVICES UNDER MY NAME WITHOUT MY KNOWLEDGE OR AUTHORIZATION. I HAVE ORDERED MY CREDIT REPORTS FROM 3 CREDIT BUREAUS. I HAVE CONTACTED ALL THESE CREDITORS AND BY THEIR ADVISE I PLACE A FRAUD ALERT ON MY REPORTS AND GOT AN IDENTITY THEFT REPORT AND FORWARDED TO ALL CREDITORS AND CREDIT BUREAUS. ALL THESE CREDITORS AFTER 45 DAYS FORWARDED ME LETTERS THAT THEY ARE CLOSING THESE ACCOUNTS BECAUSE THESE ACCOUNT WERE OPENED UNDER FRAUDULENT ADDRESS AND THESE SUSPECTS USED DIFFERENT PERSONAL INFORMATION THAT WAS NOT BELONG TO ME. LAST MONTH XXXX AND XXXX XXXX CREDIT BUREAUS SENT ME UPDATED CREDIT REPORT AND ALL THESE FRAUDULENT ACCOUNT WERE REMOVED AFTER THEIR INVESTIGATIONS. EQUIFAX CREDIT BUREAU IS REFUSING TO INVESTIGATE AND DELETE THESE ACCOUNTS. I HAVE TRIED TO CONTACT THEY BUT THEY ARE EVEN REFUSING TO INVESTIGATE OR TALK TO ME. I HAVE ALL THE PROOF THAT I HAVE BEEN OUT OF COUNTRY AND ALSO I GOT A POLICE REPORT REGARDING THIS MATTER. PLEASE HELP ME TO RESOLVE THIS MATTER OTHERWISE I HAVE TO OPEN A LAWSUIT AGAINST EQUIFAX CREDIT BUREAU AND I CAN PROOF EVERYTHING IN COURT THAT THEY ARE REALLY EFFECTING ON MY LIFESTYLE BY NOT DOING THEIR JOB. I AM ATTACHING LETTERS FROM SEVERAL CREDITORS THAT THEY FORWARDED TO ME. PLEASE CONTACT EACH CREDITOR AND VERIFY ALL THAT INFORMATION. PLEASE LET ME KNOW IF YOU NEED ANY ADDITIONAL INFORMATION. YOUR HELP IS REALLY APPRECIATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: EQUIFAX, INC.
State: KY
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:
CRA is in violation of several consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: Westlake Services, LLC
State: CO
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:
Westlake financial. Is show my auto loan as a charge off. It's not a charge off. I am making the payments to the XXXX  XXXX trustee XXXX XXXX XXXX. And XXXX  ( XXXX  ) I have attached a copy of my XXXX statement it shows not behind.

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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