BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-08
Company: EQUIFAX, INC.
State: IN
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:
Once again, there is activity that is INCORRECT being reported by XXXX XXXX, XXXX regarding my mortgage loan. 

Once again, after filing a complaint. I am met by retaliation by someone within the company, XXXX XXXX, XXXX. This is not the first time this has happened. It has happened on several occasions. I am now attaching screenshots of what is being reported by someone at XXXX XXXX, XXXX. 
I have personally met with my personal bank and have attached all checks that were cashed per month by XXXX XXXX, XXXX. I have also attached the payment history showing all payments that were paid to XXXX XXXX, XXXX since the start of my VA mortgage loan. Those documents have been mailed off to each credit bureau. 

Now ... someone at XXXX XXXX, XXXX is once again, turning in incorrect information regarding payments that are not being reported. I believe as a clear means as retaliation regarding complaints sent to several bureaus. Someone at XXXX XXXX, XXXX is still removing payments that were prior on my credit report such as XXXX 2017 payment. 

If you are going to report my VA mortgage loan. You have an obligation to report it correctly. XXXX XXXX, XXXX has literally changed my credit report information on more than five occasions since XXXX XXXX, 2017. 

The current reporting is INCORRECT. I have made payments that are not being shown. The payments need to be reported correctly that reflect the payment history sent by your company, XXXX XXXX, XXXX. 

I have once again filed not just this complaint. But with all credit bureaus. Clearly this is abuse of power, flatulent and down right ridiculous to still continue with inaccurate reporting, not reporting or incorrectly reporting with regards to my VA mortgage loan payments. 

As told by an attorney. XXXX XXXX if they are to report your mortgage payments to the respected credit bureaus, in which, they clearly have to all three credit bureaus. XXXX XXXX, XXXX has a responsibility to report it correctly. Someone at XXXX XXXX, XXXX has reported as you can clearly see on screenshots. " Under a partial payment program. '' I am NOT under a partial payment program. I have paid more than on some payments, MORE, than my initial loan contract. 

Once again, I am demanding that my payment history reflect what is on the current XXXX XXXX XXXX payment history that was mailed to my home. 
I am once again, demanding that my FICO score by reinstated to reflect the correct changes. 

As per my phone call with Equifax this morning. It is someone at XXXX XXXX, XXXX submitting the incorrect information. XXXX XXXX XXXX needs to fix this ongoing issue ASAP. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 not an attorney or third party rep. I have a legal right to dispute any items on my credit report. This is my THIRD time disputing fraudulent items on my report that does not belong to me. Here are the accounts : -CAPITAL ONE # XXXX -CAPITAL ONE AUTO FINANCE # XXXX -XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: EQUIFAX, INC.
State: SC
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:
Three state tax liens are showing on my credit reports for all 3 CRAs, ALL three CRAs are reporting different information for all 3 State Tax Liens. None of the reported liens are mine. I have disputed these items with Equifax on 3 separate occasions and they continue to report the liens have been verified by  XXXX XXXX. Each time they are verified, but the information reported changes. As i have recently been a victim of credit fraud i have frozen my credit reports with the following companies : XXXX XXXX XX-XX-17 XXXX X-X-17 XXXX XXXX XXXX X-X-17 XXXX X-XX-17 Along with 10 others. 

In addition, I have written to the counties and received written information stating the The State of SC does not report Public Records to ANYONE. Therefore reporting such information as fact, on my personal credit report is illegal as per FCRA. 

And Finally the Liens do not meet the new reporting guidelines ( FCRA ) as they do not contain SSN or birthdate. So I would like it removed from EQUIFAX. 
SEE ATTACHED DOCUMENTATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: WLCC
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I Borrowed {$800.00} right before XXXX of 2020. I have paid back at least {$1500.00} they are taking another XXXX out in {$50.00} Increments, which is causing me to have multiple over drafts. I called then last month a they said I only owed arownd XXXX they won't stop stealing my money. I know I made a bad decision going to them, but this is theft at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have over a 90 day period dispute this account auto debt to remove this account with credit bureaus. Due to many inaccuracies. I sent a demand to comply letter. My letter to the Credit bureau have gone unaddressed within 30 days. The credit company is not complying with their own policies in a timely manner. I need the account ( XXXX XXXX  ) to be removed from my credit profile 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 2021-04-12
Company: Experian Information Solutions 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:
Experian has not risen my credit score even though it shows the exact same reporting as XXXX  and XXXX XXXX. Both XXXX  and XXXX XXXX have me at XXXX and Experian remains at XXXX, even though the reporting is exactly the same and I have fixed all my delinquencies in the last 120 days. Experian is saying that their systems automatic and they dont know how to change the number even though they acknowledge that the reporting is identical and something is wrong. Please help me, Im trying to refinance and save my house and they are stopping me by not fixing their system.

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 2021-09-14
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX is reporting two accounts for the same auto loan which is a violation of the FCRA. They have the responsibility of reporting the correct information to the Bureaus. I have sent them letters and they refuse to correct this misinformation which is hurting my credit rating. 

The first alleged account states that it was opened XX/XX/XXXX with no recent balance reported. Status Transferred closed XX/XX/XXXX. 

The second alleged account states that it was opened XX/XX/XXXX with a recent balance reported of {$9200.00}. Status {$8600.00} was Charged off XX/XX/XXXX. 

None of the information reported makes any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX is reporting two accounts for the same auto loan which is a violation of the FCRA. They have the responsibility of reporting the correct information to the Bureaus. I have sent them letters and they refuse to correct this misinformation which is hurting my credit rating. 

The first alleged account states that it was opened XX/XX/XXXX with no recent balance reported. Status Transferred closed XX/XX/XXXX. 

The second alleged account states that it was opened XX/XX/XXXX with a recent balance reported of {$9200.00}. Status {$8600.00} was Charged off XX/XX/XXXX. 

None of the information reported makes any sense.

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 2022-01-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XXXX of 2021, I had been searching for credit cards with good Welcome Offers since I had big purchases coming up. On XXXX XXXX, 2021, I noticed a great promotion for an American Express Gold Card. I returned to the website on XXXX XXXX, 2021, and saw the same promotion - spend {$4000.00} in 6 months, and receive 75,000 bonus points. However, American Express is now claiming that the offer is to spend {$5000.00} in 3 months. I contacted American Express ( Customer Service Rep : XXXX, XXXX XXXX XXXX ), and they haven't provided any proof of the latter offer. Nonetheless, I obviously did not take a screenshot of the promotion the day I signed up. But a basic web archive search confirms the promotion that I signed up for. I would not have been able to spend {$5000.00} in 3 months, and I know for a fact that it was {$4000.00} in 6 months since it would give me more time to meet the bonus offer. I'm honestly shocked that American Express would suddenly change my offer after I had signed up. I definitely did not receive proof of the bonus offer with my Cardmember Agreement, as they claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15
Company: Phoenix Financial 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: Old information reappears or never goes away

Complaint:
This is an old record from 2015. The original company XXXX could never show me that this was my bill. I have been contesting that this is fraud for the last 6 years. Then 8 months ago they finally took it off my credit report, only to have it reappear from a company by the name XXXX. This bill for {$1400.00} is NOT mine. Can you please help me to get this resolved! Both companies are slurring my good name and I am so tired of fighting this. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened an account with coinbase in order to purchase and store bitcoins. After purchasing bitcoins, I was able to safely store them in a digital wallet and, more securely, in a digital vault. 
In order to verify withdrawal transactions from the vault that I had created, I was asked to list a secondary e-mail address as confirmation. I have since lost access to this secondary e-mail address and have not been able to withdrawal my funds from the digital vault to my digital wallet on coinbase. 
I have e-mailed them numerous times asking if this issue can be resolved. In reply, I was told that they would be able to safely transfer my funds from my vault to my wallet and that they were working on the issue. It has been over 3 months now and I am still waiting for them to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
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: Personal information incorrect

Complaint:
Issue with Equifax reporting : Last year I did some rate shopping for an auto loan and my report was pulled by 4 financial institutions. 3 on XXXX/XXXX/2016 and one on XXXX/XXXX/2016. These institutions were : ( XXXX/XXXX/2016 ) XXXX, XXXX XXXX & XXXX XXXX & ( XXXX/XXXX/2016 ) XXXX XXXX XXXX. I 've read in multiple places online that rate shopping for auto loan rates will only count against your score 1x if done within a certain time frame. When I checked one free site, it showed XXXX of those inquiries counting against my score. I called Equifax 2x in the last week and everyone I talked to told me a hard credit check was a hard credit check regardless of what it was for and was gon na count against me even though there are multiple blogs on their site supporting the rate shopping will count as 1 hit against your score.
The first time I called I requested a supervisor and then a manager. The manager told me that only one of the rate shopping pulls was showing on my report. When I asked her about the new changes regarding liens and civil judgements she stated that my bankruptcy and paid tax liens were no longer on my report. I then bought one of their products to check my score and low and behold, it was all still there. When I called back I was again told nothing could be done about the inquiries. When I was denied a credit application, I requested my free copy. The report has two inquiry sections, ones that effect your score and ones that do n't. All XXXX of those inquiries are listed under the effects your score section. I do n't know what to do about this or how I can get it fixed so that only XXXX of those credit pulls is negatively effecting my score especially since I 'm mortgage rate shopping.
They also are reporting my XXXX student consolidation loan as open when it was bought out by the XXXX XXXX XXXX after the approval of my XXXX  discharge : the balance showing is {$10000.00}. I intended to file a dispute against this but am quite discouraged at their ability to fairly resolve disputes.
Any advice and assistance will be greatly appreciated.
Sincerely, XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
this account with Toyota was in a bankruptcy that was dismissed when the bk was dismissed I sent in the payment to pay in full how Toyota is showing i was XXXX  days late and XXXX late... also they're reporting old late pays that should of been removed from credit... I want to to update my credit report or show when my bk was dismissed versus when I paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
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: Information belongs to someone else

Complaint:
I have tried to reach out to the credit bureau regarding the two accounts, XXXX & XXXX, due to the large amount of inconsistent & inaccurate information that is on my reports. I have requested that these accounts be deleted from my Experian report but I continuously receive responses that the information has been updated instead. The information is never updated completely and there are still inaccuracies across all bureaus with both accounts. Which is why I have always requested for the REMOVAL of both accounts, but I am continuously disregarded when requesting this. Please remove these accounts from my credit report that are showcasing completely inaccurate information across every credit bureau. This is hindering me from progressing to the next level personally and with my business, because of these accounts and the incorrect information that creditors are seeing on these accts when pulling my reports.

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 2018-01-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, 2018, I received a call from Carrington Mortgage informing me that my payment for XX/XX/XXXX was not able to be processed. Upon further investigation, it was determined that the payment was not able to be processed because when I entered my baking account information, I accidentally transposed a number. I informed the representative that I was able to make the payment. She informed me that there would be a {$20.00} charge for taking the payment over the phone. I asked her if that fee could be waived and she said that she would have to speak with a supervisor and she put me on hold. When she came back to the line she stated that the supervisor was not willing to wave the fee. I then asked if I could speak to a supervisor. She put me on hold and when she came back to the line she said that she had XXXX ( # XXXX ) on the line. I explained to him that I realized that this was my mistake but asked if he could wave the fee anyway along with the late fee for XX/XX/XXXX. He stated to me that Carrington never reverse fees unless they made the mistake. At this time, I just decided to go ahead and make the payment. XXXX told me that I could not just make my regular payment, I now had to include the late fee. I told him that I only wanted to make my regular payment. He again told me that he would not take my payment unless I included the late fee. I then asked him to let me speak to another supervisor and he refused. I then asked him to transfer me back to customer service so that I could make my payment and he said that my payment would not be accepted. He then told me to have a good day and hung up. I then called back to customer service and I was able to make my regular payment and was given a confirmation number. Also, during the call with the first customer representative I was informed that I had additional fees assessed to my account that I had no knowledge of with the exception of the late fees. The fees are as follows : Property Inspection fees {$100.00}, Late Fees {$370.00}, Appraisal Fee {$440.00} and a Broker Opinion Fee {$400.00}. At one point I had decided to do a " short sale '' but changed my mind. I canceled the sale before the appraisal could be done so I just do n't understand how I could be charged an appraisal fee along with a broker opinion fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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: Account status incorrect

Complaint:
My account has been sold to a different bank XXXX XXXX XXXX XXXX XXXX  has sold it to XXXX Ive called multiple times XXXX XXXX with no respond spoke to multiple agent they everybodys giving me a different answer if I need to speak to a customer service supervisor and theyre telling me I have to wait 24 to 48 hours and I cant get no help theyre reporting on my credit my accounts have a balance and they showed no balance from their side Ive spoken to Equifax theyve said they sent a dispute over trying to buy a house and I cant because theyre reporting the wrong account one of them is open one of them is close one of them has a {$1100.00} the other one has {$640.00} with past due payments over 120 days which is not correct Need help as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
My credit profile has inquiries I did not make. I already asked the credit bureaus to remove them and that it was fraudulent but they didn't care to remove them. They were all made through fraud. I dont have any credit cards or accounts with these companies. I was told to file a complaint through CFPB. 

XXXX ) XXXX XXXX XXXX XX/XX/2021 Capital XXXX XX/XX/202XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX ) TRANSUNION XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/202XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX ) XXXX XXXX  XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 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