BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

15 U.S.C 1681 section 602 A. States, I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX Equifax Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with XXXX XXXX XXXX in XXXX. The first payment was due XX/XX/2021. The closing document provided payment coupons with the following information on them : Pay To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Amount : {$1200.00} Loan # : XXXX On XX/XX/2021, I used my bank 's bill pay and sent a paper check for {$1200.00} to the above address and loan number. The check was cashed and posted on XX/XX/2021, to the following bank account : Account # : XXXX Routing # : XXXX Shortly after sending my first payment, I received a notice that my bank transferred my loan to XXXX Dovenmuehle Mortgage  Incorporated ( DMI ). With that notice, I also received a new loan number and mailing address. 

The XXXX payment that was sent to XXXX was never transferred to DMI. I have provided DMI 's research department a copy of the paper check that includes the account and routing number that the check was deposited in. 

XXXX 's payment still has not been credited to my account and I am continuously receiving calls from DMI stating that they are trying to collect a debt for the missing payment. In addition, they are charging a late fee and stated that the missing payment can be reported to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
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 status incorrect

Complaint:
We filed Chapter XXXX on XX/XX/XXXX. XXXX was included in ChXXXX and was paid in full through BK. They are reporting a balance due after the filing date and the discharge date of XX/XX/XXXX and 'late ' payments in XX/XX/XXXX. The 'balance due ' is the inflated interest they were trying to charge us prior to filing ChXXXX. 
XXXX is undermining our credit and enabling themselves report further into the future. 
Attached are screen shots from Experian.com.

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 2017-11-11
Company: Continental Finance Company, LLC
State: IN
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:
XXXX RAN MY CREDIT TWICE AND GAVE PERMISSION TO RUN SOLF ONLY

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 2018-02-22
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My credit report is showing I owe, two separate balances, to XXXX XXXX XXXX. The two amounts showing owed are for {$510.00} and {$630.00}. 
At the time of receiving medical attention, in XX/XX/XXXX, at XXXX XXXX, I was under the impression that my insurance would be covering 100 % of my medical expenses. At the time of my visit, I was informed by XXXX XXXX, that my insurance was accepted and I did not need to come out of pocket for any expenses. 
I am just now, in XX/XX/XXXX, becoming aware of my insurance not being accepted by XXXX. 
Shortly after my visit to XXXX, I went through a divorce, became unemployed and relocated out of state. 

I recently looked into repairing my credit and became aware of these accounts. When I contacted XXXX, I was told that these accounts were too old for me to dispute. I was never even notified of the debt, nor given information about being able to dispute the debt. I also requested to apply for financial assistance, but was denied. 

These accounts have reached the statute of limitations in the state of Utah.

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 2018-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive Sent several letters via fax and mail and also spoken with reps regarding a debit collector that they company keeps reporting onto my credit report ive sent attached documentation and also proof that the account ( XXXX XXXX XXXX ) is not bonded in the state of Texas and reporting the un bonded account is against the texas law The company removed 2 of the 3 account when ask why was the 3rd account still listed the rep couldn't give me a reason I sent another letter via fax and i will attach photo proof with complaint I have not received a response and the account is still listed

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 2018-11-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  has a Collection Account from a Company called Portfolio Recovery and I have disputed this several time asking XXXX to verify the account is mine and XXXX keeps saying Debth verifid and it is not verified. I have called the Company and they keep saying there was a card in my name from XXXX XXXX and I do not ever go to that store, I do not like that store and I do not live near a store. They have sent me a bill and never do they provide anything else in my name. I have signed affidavits for Portfolio Recovery and they keep it on my only XXXX  Report and they report it as an open account but in collections and say XXXX is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX a charge off account was 'DUMPED '' on my personal credit report. It was a XXXX credit card for a company, XXXX XXXX XXXX, which I was one of 3 owners of. However, I did not operate this company, a person by the name of XXXX XXXX did. He was one of the owners and had 100 % operational duties. It appears as though he secured the credit card in XX/XX/XXXXand paid it on time thru the business checking account until early XX/XX/XXXX. XXXX never once sent me a notice this card was late, or being charged off, even though I was currently doing over $ XXXX of business with XXXX. I have disputed this card since it " appeared '' on my credit file with all 3 reporting agencies, demanding that I be shown where I requested, authorized, or signed for this credit card. To date, I have not seen the application. However, even though I have disputed this account numerous times, I am only told that XXXX " determined it was mine ''. When I ask how they did that, I am never told. The only way to verify it as mine would be for XXXX to produce the actual application with my signature on it. They have not, but the agencies still " assume '' it is mine and takes XXXX 's word for it. I have a right to see the application with my signature, and the credit reporting agencies do as well, if they are truly going to verify the account is mine. Otherwise, it must be removed from my credit file.

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 2018-11-13
Company: Freedom Mortgage Company
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We sent a payment to Freedom Mortgage by electronic transfer from XXXX XXXX on XX/XX/2018. 

It was never credited to our account with Freedom mortgage although the loan number was correct. 

I wrote to Freedom Mortgage by email on XX/XX/XXXX. They sent me a letter on XX/XX/XXXX, received XX/XX/XXXX stating that I should NOT have written to them by email ( although the web site told me to do so ) and that I should have written to them at a new address in XXXX. 

They said they never received payment and are demanding a front and back check copy ( which does not exist ) and a copy of " ... .your full running bank statement showing the running balances from the date of payment until the current date showing your payment in question has cleared your account and is not showing as Pending is needed fro further research .... '' I do not understand how they can credit other payments appropriately using the SAME method before and after the payment in question. 

I want they to find the payment and credit to my 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 2018-11-13
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I was told that a notice of the rate increase was sent to me on XX/XX/XXXX. I have informed delivery USPS and I have no record that this piece of mail was delivered to me. I went back and looked t all me email to see if it was delivered. Also I signed up for paperless bills and notifications so I really don't look at most of mail because I expect delivery via email which I had signed up for. American Express increased my interest rate by almost 6 percentage points. 


I contacted American Express on XX/XX/XXXX to question this large interest increase. I was told by them it was a business decision to raise rate to bring it current to what someone who was applying for a credit card today. I have been arbitrarily penalized because of a business decision they made. This has increase my payments by almost {$200.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Capital One credit card I applied for a credit increase I was told I would get a letter in 12 day which I did today XX/XX/XXXX. Letter stated I was DENIED credit increase at this time. I stated a list of general reasons why it could be denied and not a one related to me so I called capital one I was transferred to one after another until finally the person said I was denied because of a late payment I ASKED WHEN WAS I EVER LATE THEY TOLD ME IN XX/XX/2018 I HAVE NEVER BEEN LATE AT ALL I HAVE ONLY HAD THIS CARD FOR 8 MONTHS BECAUSE I WANTED TO BUILD MY CREDIT RATING UP. I HAVE PAID ON TIME I HAVE PAIDED THE BALANCE ALMOST OFF EACH TIME SO IM VERY AWARE I WOULD NOT BE LATE I ASKED FOR A SUPERVISOR I GOT ANOTHER RUN AROUND THEN ON HOLD FOR 15 MIN. he KEEP SAYING IT WAS LATE SORRY CANT HELP YOU TRY AGAIN NEXT MONTH, I asked for someone else he said there is no one else that can help. I'm so angry with Capital one for putting me late when I know I was never one late. Im thinking to bring this to a lawyer and to count for miss representing my file / I hope you can help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
In the month of XX/XX/2018, I had the means to pay off a car loan that was past due. Due to my ex-wife not sending in her payments on time, the XXXX XXXX XXXX was approaching repossession status by the time I was finally able to get it back from her after our divorce. Once in my possession, I gave Capital one auto customer service a call. I informed them of the matter and that I was willing to pay the auto loan off in full in hopes of getting my credit score back on track due to the two-plus years of late payments that my ex-wife was responsible for. The customer service agent informed me that correcting those late payments would not be an issue and that all was needed was the payment in full. I agreed to pay the remaining balance in full early for the agreement. Between the dates of XX/XX/2018 and XX/XX/2018 I paid a total of {$8700.00} in hopes of correcting the issues at hand. Once the payments were  processed and were official, I called capital one auto once again to get information on when my title would be mailed off and also the status of the correcting late payments. I was told by multiple customer service reps that, that was an issue I would have to take up with the reporting credit bureaus. On XX/XX/2018 I sent off goodwill letters via USPS to Capital one auto finance department and also the reporting credit bureaus. Also on XX/XX/XXXX, XXXX and also XX/XX/XXXX, I emailed capital one about the matter. I received a call from capital one auto on the morning of XX/XX/XXXX informing me that they would not remove or update the late payments as paid on time. I have not heard anything as of yet from the reporting bureaus regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: EQUIFAX, INC.
State: NM
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:
Equifax is not responding to any of my requests to investigate, verify and correct accounts in my credit report that are reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have submitted disputes every month for 6 months to all 3 credit bureaus - Equifax, XXXX  & XXXX. I've received confirmation that the bureaus have received my disputes, but I have never received a response, the account I'm disputing has never been listed as " in dispute '' and the inaccurate information is still on my credit report, damaging my score. 

Not one of the credit bureaus has responded to any of my dispute letters, this is not only illegal, but that means the account in question qualifies for deletion from all 3 bureaus. 

The account I've been disputing is XXXX XXXX, it's a loan that was never personally guaranteed by me, it was a company I worked for, but had nothing to do with me personally. This is illegal and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/2018 I reached out to XXXX XXXX XXXX regarding making a settlement for an account that was displayed on my credit report. They informed me to contact XXXX XXXX and advised me they had sold the account. I reached out to XXXX XXXX who advised me that they will accept {$450.00} as full payment and the negative remark would be removed from my credit report once they received payment and notified XXXX XXXX. I have disputed the balance listed on my credit report multiple times and its still showing I have a balance due for XXXX XXXX   although I have a letter from both XXXX XXXX and XXXX XXXX stating the account is paid in full less than amount owed. When I agreed to settle I was informed the item would be removed not listed as settled for less than amount and its still showing I owe XXXX XXXX a balance which is incorrect as well.

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 2021-06-23
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
i did not apply for this student loan or owed to ABILITY RECOVERY SERVI collection services 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 2021-06-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am writing this letter to report The XXXX XXXX XXXX XXXX XXXX XXXX XXXX for violating my rights under the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of 2009. I have paid my account with XXXX XXXX on time since I had this account open since XX/XX/XXXX. In XX/XX/XXXX I was reported 30 Day late on my credit profile due to XXXX XXXX changing my account number without proper notification. The first bill I received for this new account was on XX/XX/XXXX after I was already reported 30 day late in XXXX, this letter also stated that my account number will be changed again for the second time because I never received a new credit card or the new account number to make the payment and my original account number still stated a XXXX balance. On XX/XX/XXXX I received a statement with my original account number that still has a XXXX balance which was stated when I called to make payment in XXXX. On XX/XX/XXXX I received my new account number and new credit card after it was changed twice. How could I as a consumer make a payment on an account number that I have no knowledge about? The XXXX XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights under the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of 2009 by not giving me at least 21 days to pay from the time the bill is mailed because they never sent me a bill with this new account detail until XX/XX/XXXX which they already reported 30 day late in XXXX. Also The XXXX XXXX XXXX is reporting to the credit agencies payment history on an account number that they change so the information that they continue to report to the credit agency are no longer valid because the account number change doesnt match the account number on my credit profile with file the credit agencies.

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 2018-06-18
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2018, I received a notification an my email about a credit account which I have no clue of. I have been a victim of identity theft in the past. Now I have also been affected by the credit breach where my information was breach. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The account that are fraudulent are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX- XXXX 3. XXXX XXXXXXXX XXXX- XXXX 4. XXXX XXXXXXXX XXXX- XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. Unknown- XXXX I am disputing the following accounts as fraudulent an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that these fraudulent and inaccurate information is completely and permanently removed from my credit file.

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