BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive disputed this account before with XXXX XXXX XXXX and each time came back as Meets FCRA standards but yet Ive provided adequate proof that shows they consistently had multiple violations. Each bureau reports a differentDate Of Last Activity which its imperative that they all report accurately because it determines the date of which the account comes off the credit report. This account has been disputed and per the FCRA XXXX XXXX is supposed to report that this account is/was disputed by consumer in which they did not and is a violation. Attached will be proof showing the violations. Theyve also sent a letter showing the contract of which they have but the contract and statement as well which is written by them has inconsistencies and inaccuracies in the contract and statement. They say the account was opened on XXXX of XXXX but state the vehicle was repossessed back in XXXX of XXXX. This is inaccurate and inconsistent of which their reportings all vary across the 3 credit bureaus.

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 2021-12-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Submitted a dispute to experian to advise that an account from XXXX XXXX bank was included in bankruptcy, the account has been closed and the creditor is no longer reporting. Experian updated the account as being opened and never late, disputed the account again and experian updated the account has being opened and late XXXX  days. The bankruptcy was filed in XXXX of XXXX how can the account be updated to be late XXXX days in XXXX when it is just XX/XX/XXXX. Discharge is set for XX/XX/2021. XXXX has the account closed and is no longer allowed to report or try to collect a debt because of the bankruptcy stay.

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 2017-10-22
Company: EQUIFAX, INC.
State: MN
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 the recent Equifax data breach and identity theft. The following account and hard inquiries dont belong to me : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, Furthermore, I have not been 30-59 days late with my car payment to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 charges on my account that were fraudulently done. I have disputed the charges as fraud and have asked the XXXX XXXX to remove them from my account. They have a temporary credit then did a charge back months later. This authorized user was sent two cards of which one was not received. Cards were to be canceled per my conversation with XXXX XXXX. Unauthorized charges occurred after this date. I will not pay for charges I did not make nor authorize and need to be removed from my account at once.

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 2017-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
We had a loan with XXXX mortgage. We ran into personal issues and I left my job as a XXXX to care for my mother. We called XXXX they offered a Loan modification. We started trial period XXXX, XXXX XXXX We payed everymonth on time. The XXXX payment was showing late. When I called suntrust they said the date was the date they were able to apply the full payment. The XXXX payment to the loan modification was also late payed by XXXX. But the XXXX payment is showing on time. We had a full offer on our home and XXXX gave us a payoff greater then the amount owed. We had to pay {$6000.00} more then owed. XXXX said we never completed the XXXX Modification process. The loan modification process was started XXXX XXXX, We sold our home XXXX XXXX, XXXX. We are now trying to purchase a new home. We are told we are still in a " partial Payment Process with XXXX. When on XXXX XXXX XXXX, the loan was statisfied at a greater amount that was due. I tried to clear this with XXXX, Transunion and Experian. This has been a nightmare. We are trying to get into a less expensive home. XXXX refuses to update the credit report showing we are not in a partial payment program. THe loan modification is still showing on our credit report and we cant get new financing.

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 2017-07-03
Company: WELLS FARGO & COMPANY
State: OH
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:
Company ran my credit report with out authorization on XXXX XXXX and XXXX XXXX 2016.

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 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX   XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: JPMORGAN CHASE & CO.
State: GA
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:
Good morning, I've filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
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 XXXX, 2017 I have asked XXXX XXXX XXXX and the credit bureaus that they formally substantiate all account history data XXXX XXXX XXXX transmitted to credit reporting agencies for me, regarding the suspicious account. My letters have largely been ignored by each credit reporting agency. I have not received an answer. They have all failed to provide a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX XXXX and the credit reporting agencies are being willfully non-compliant in my request for verification of debt. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
1 ) On XX/XX/2019 I bought a car from : Carite of XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, FL XXXX ( XXXX ) XXXX XXXX ) XXXX secured my loan for a total of {$21000.00} ( including GAP coverage and warranty ) from : Capitol One Auto Finance XXXX XXXX XXXX Pk. 
XXXX, TX XXXX XXXX ) At the time of purchase of the vehicle, I was offered an extended warranty ( service contract for {$1600.00} ) and GAP insurance ( {$890.00} ). I signed up for both. The GAP coverage was provided by : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX Claim # : XXXX fax : ( XXXX ) XXXX XXXX XXXX ) On XX/XX/2019 I was involved in an MVA. My car was totaled. My insurance company, XXXX - as I was conducting my part time business as an XXXX driver en-route, paid for {$19000.00} minus {$1000.00} deductible or {$18000.00}. The remaining balance was provided for with the refund of my warranty and the GAP insurance I paid for. AHiS insurance was made aware of my use of the car with XXXX upon filing my claim. 

5 ) I was in contact with Capitol One, XXXX, and AHiS throughout the claims process. Eventually I became aware through contact with XXXX that everything of my entire loan balance was paid for. However, when I contacted Capitol One they told me they had not received payment in full from the GAP insurance and possibly the refund of the warranty. I called XXXX again, and I was told that checks in the amount to cover all expenses were paid to Carite, for what reason I do not understand. XXXX gave me the runaround for months until I stopped calling. I stopped making car payments when I was told the covered everything. 

My credit report indicated that I owed Capitol One. I filed a fraud complaint with the credit reporting agency, and the charge with Capitol One was removed from my credit report. This was more than a year ago. I thought everything was finished. 

I recently got emails from Capitol One, and a private investigator from a recovery company left a calling card on my vehicle 2 days ago. This has gone on for too long, and now Capitol One is going too far. They know what happened with their loan manager, or broker, and the dealer. One of them, or both of them, or all three of them if you count AHiS, is committing fraud by knowingly being involved in the issuing of and, or, cashing of an insurance check that does not belong to them. There may be fraud involved just by being aware of the situation and being in a position of authority to resolve the problem but choosing not to. I tried the best I could to resolve the issues. My best bet is the manager of XXXX kept the money, and Capitol One is aware and possibly an enabler. AHiS never gave me a reason why the check was mailed to XXXX, but according to the person I spoke to - it was, and there was enough insurance to pay for more GAP coverage if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the XXXX  data breach, and it may have got into the wrong hands.

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 2021-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I filed a claim with bank of America XXXX XXXX  for theft of my first card and they auto denied my claim.i never received my first card because someone stole it and used all my XXXX XXXX.all the transactions that before XX/XX/XXXXare done by whoever stole my card.when I found out that I can file a claim and I filed the claim.i just received a letter from them saying that they denied my claim.they don't have no reason to deny but still they did.i even told them that m ready to provide them with whatever they want but they are not listening.when I ask them the reason then they don't have any answer.so please help me with this.i never received any help during the covid and now when I found out that I can get my money back they rejected my claim.so plz help me out with this I will be really grateful.thank u

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 monetary relief
Consumer complaint received 2020-04-23
Company: ProCollect, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX company amount is accurate tried to offered a lower amount for the debt to get it off my credit but company doesnt want to settle. I no longer owe the debt to the originators was sold to pro collect which is a collection agency.

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 2017-09-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the Equifax security breech, I checked the site to see if I had been affected. I had been affected by the incident. I tried several times by phone and the online site to place a security freeze on my credit information. The message I got was to mail my information and request that Equifax place a freeze as they were unable to process my request by either the automated phone line or the online form. I did not feel comfortable sending my information by mail to the company that compromised my information in the first place. 
The one live person that I reached by phone told me that she did not know the number for me to call to directly freeze my credit with live help. She said she could only give me the number to signup for their credit monitoring service ( which I would never subscribe to ). 
Should it be this difficult to sign up for a credit freeze? 
I want Equifax to freeze my credit information without having to submit additional personal information. 
They are making it very difficult to give me the peace of mind by freezing my credit. This should be my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied for a savings account with PenFed Credit Union and I was denied access to opening my account due to my credit score that they apparently received from a consumer reporting agency. I received a letter dated XX/XX/2022, from PenFed Credit Union which is included in the attachment stating that my credit score at XXXX is XXXX. I do so believe that a consumer like myself can't have a credit score below XXXX which is included on their document. Consumer reporting agencies have a grave responsibility to report impartial, fair, and accurate information about a consumer to ensure the banking system continues to function properly. I understand that without me the Consumer, there is no credit or banking system. I demand that my account be opened.

Points of Authority 15 U.S. Code 1681 - Congressional findings and statement of purpose - ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2021-03-09
Company: EQUIFAX, INC.
State: VA
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 writing in one last attempt to resolve the issues that I have been experiencing since XXXX, because of XXXX  failure to follow the law. I previously contacted your office and informed you that I am a victim of identity theft, where my information has been stolen and sold multiple times, and used to obtain goods/services without my consent in different areas of the country. 

Additionally, I previously, requested via mail that you block the unauthorized inquiries from my report maintained by your office because they are a result of identity theft and I did not authorize my report to be ran by anyone, nor did I request anyone run my report. 


Fraudulent Account : 1 ) XXXX XXXX Acct : XXXX 2 ) XXXX XXXX XXXX Acct : XXXX 3 ) XXXX XXXX  XXXX  Acct : XXXX Fraudulent Inquires : XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Utilities and fuel Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
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:
When checking on my credit I noticed a hard inquiry. I called the company this was from and they stated that the people who applied credit on that day had different dates of birth and social security numbers. 

They told me I had to take care of 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 2022-04-29
Company: Selene Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage loan was transferred to Selene Finance ( http : //www.selenefinance.com/ ) on XX/XX/XXXX according to XXXX phone representative. My mortgage is escrowed for Taxes and Insurance. My Insurance was due on XX/XX/XXXX. They never paid my insurance. They then began to charge me for lender placed insurance and pay for this through my escrow account, even though I had a policy that was due to be paid by them. 

Since being transferred to them, they claim they have mailed me multiple items, I have never received a single piece of mail from them but I have confirmed my mailing address multiple times. The only reason I knew it was transferred is because I work in the XXXX and noticed my payment didn't come out. I was able to use my industry knowledge to figure this out on XX/XX/XXXX. Others might not be so lucky and understand mortgages the way I do. I have never received any mail, phone or email confirmation that my mortgage was transferred or that my insurance was lapsed. 

I have reached out to them and requested a manager call me back 3 times, I have had no luck. I have been living in a Condo with Hundreds of other units, completely unprotected, for 2 months without insurance without knowing about it. I only discovered the problem when my insurance company mailed me a letter that I received on XX/XX/XXXX. 

Additionally, I have tried to set up auto pay twice and have had no luck. They say they will mail me a form, but I coincidentally am only not getting their mail SEVEN TIMES. So I don't think I will get this form either. Other lenders have had no issue getting mail to me. 

Since typing this complaint, I have been on hold for over 30 minutes waiting for a " Manager to respond ''. This was after I was told they were at lunch and would call me back after they return. It is now XXXX, with no call returned.

Company response to consumer: Closed with explanation