BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Hello, i am not employed with XXXX XXXX XXXX. I do not even live in Michigan. I would like that to be removed.

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 2022-08-05
Company: EdFinancial Services
State: AZ
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 XXXX loan aunts with XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX {$12000.00}, loan date open XX/XX/2003 XXXX. XXXX {$11000.00}, loan date open XX/XX/2003 XXXX XXXX XXXX erroneously shows XXXX loans/it lists each loan XXXX thus incrading he total XXXX that I reportedly owe. 

XXXX. XXXX {$12000.00}, loan date open XX/XX/2003 XXXX. XXXX {$11000.00}, loan date open XX/XX/2003 XXXX. XXXX {$12000.00}, loan date open XX/XX/2003 XXXX. XXXX {$11000.00}, loan date open XX/XX/2003 I have filed several disputes with XXXX as well as poke to them on the phone where they acknowledged the error but have never corrected it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
XXXX  ; Experian and XXXX are incorrectly reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5.  These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as  well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: LEXISNEXIS
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:
XXXX  reported an at fault accident to Lexis Nexis. And that made my car insurance go up, and now I have 4 points on my mvr. I sent information to them XX/XX/2020 and still havent heard anything back from them. I continue to call them but Im told they have nothing to do with that. And when I call Lexis Nexis they are telling me that they cant do anything about it because XXXX  reported it. I sent in police documents from the accident in question. And I even asked them about information on the accident that they reported. And of course I received nothing. And nobody can tell me anything. In the report they can see I wasnt involved in the accident at all. My car was but me physically.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: Receivable Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not have a contract with this company collecting a debt. I have never received any information related to this debt. I have disputed this debt and have not received anything from this company. Please provide a contract where I had services to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: General Motors Financial Company, Inc.
State: MT
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i did not get my personel items out of a repossed car on XXXX and i received no paper work the day they took the vehical. i do not care about the car they wanted it back three years after we filed medical bankruptcy so they can have it all i want are my personel items returned to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
XXXX  ; XXXX  and Transunion are incorrectly reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital one bank is requesting that I paid a bill that was discharged/charged-off and attempt to take me to court. I serve capital one bank an affidavit of truth and cease and desist letter they closed the account, however, they never REMOVED/deleted the reporting on my consumer report on the credit reporting agencies ( XXXX, XXXX, XXXX ). Capital one bank was given a written request/demand to remove the negative items from my consumer report, however, they refused to do so. 
I sent them a second affidavit of truth, debt validation of debt letter and an Invoice for the violation they committed which made them liable for Injuries, damages, pain and suffering they have cost me and my family. Through this written communication Ive made it Clear that they ( capital one bank ) has violated my federally protect consumer rights, which made they liable. I stated the violations are : 15 USC 1692 ( a ) ( b ) 15 USC 1692 ( e ) 15 USC 1692a ( 2 ) 15 USC 1692a ( 3 ) 15 USC 1692e ( 9 ) 15 USC 1692a ( 4 ) 18 USC 1028A 15 USC 1692d ( 1 ) 15 USC 1692e ( 2 ) ( a ) 15 USC 1692e ( 8 ) 15 USC 1692e ( 9 ) 15 USC 1692b ( 2 ) In addition, capital one has also committed the most egregious violation of them all which is Identity theft. Capital one bank submitted my personal information to third parties ( credit reporting agencies ) without my consent ( written or oral ). These actions has caused invasion of Individual and Family privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
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:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX XXXX Opened Date XX/XX/2016 which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX has been non-compliant with removing the unverified account FMC-XXXX  XXXX XXXX Date opened XX/XX/2008 which has been deleted by XXXX  and XXXX. XXXX   and XXXX  have both completed their research and determined that Date opened XX/XX/2008 was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: KEYCORP
State: ME
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:
According to this company, after performing a consumer credit inquiry upon my social security number, they determined that I was not qualified to grant them the right to extend me credit. However, according to Federal law, specifically 15 USC 1605 ( a ) ( 3 ), Key Bank is not allowed to take cash as a down payment in a consumer credit transaction, also pursuant to 15 USC 1602 only a natural person can originate a consumer credit transaction, and for them to falsely represent themselves as a creditor is patent fraud. According to 15 USC 1681 ( d ) ( 2 ), and 15 USC 6802 ( a ) ( b ) ( 1 ), any transaction or experiences with me by any person making such a report, and myself as a consumer are not to be disclosed, unless I am given the opportunity before such information is disclosed to opt out, and given the knowledge of how to opt out of such disclosures. I was not given this opportunity. By telling me that I could only qualify to be extended credit after paying {$5000.00} upfront, that is a violation of my RIGHTS under the Truth In Lending Act 15 USC 1605. Pursuant 15 USC 1635 ( a ), it is the obligation of Key Bank to notify me of my Right of Rescission under The Truth In Lending Act. I was not notified of my Right of Rescission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: FIRST PORTFOLIO SERVICING INC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was a student at XXXX XXXX XXXX. In 2016, Massachusetts Attorney General XXXX XXXX sued XXXX XXXX XXXX for allegedly " misleading and harassing students. On XX/XX/2016, XXXX XXXX ceased operations and closed all of its locations, issuing a statement that attributed the closing to the Department of Education 's actions. 

Company 's Response ear Mr. XXXX : We received your complaint from the Consumer Financial Protection Bureau ( CFPB ) regarding account XXXX. Further review of the account confirms it is " paid in full by claim. '' The account has been marked closed and flagged for no further communication. We would like to thank you in advance for your understanding and ask that you feel free to contact us if you have any questions. Our offices can be reached at XXXX ; Monday-Friday from XXXX XXXX XXXX ( PST ) and Saturdays from XXXX XXXX XXXX ( PST ). Sincerely, Customer Service Activate Financial , LLC. 

My complain is PEAKS Loan is still asking me to repay this loan even after this loan have been paid in full looking at the response above. My credit score is been impacted by this loan. PEAKS have been avoiding my calls after trying on multiple occasions to fix this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I went online to my Bank of America prepaid account given to me by EDD for my unemployment and noticed that {$740.00} was fraudulently taken out of my account. It said it was an ATM withdrawal even though I didnt understand how that is possible since I had possession of my card the entire time. I immediately made a dispute with Bank of America and was told to wait 5 days for them to investigate and credit my account back. Two weeks later I called to inquire and they said they mailed me out a letter stating that they closed my card account and would not be refunding me my money since they noticed suspicious activity on my account. There has been no suspicious activity and I feel that they did not do a thorough investigation because if they had then they would not have made this decision. They have nothing to justify that my  account was fraudulent. I was even advised by them to wait until they make an investigation to make a police report so they can look at the camera at the ATM. They refuse to return my money but if they had smear footage on the ATM where money was taken they would clearly see that it is not me.

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 2019-01-05
Company: NEW YORK COMMUNITY BANK
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My XXXX XXXX XXXX XXXX Account XXXX XXXX was bought out by New York Community Bank ( NYCB ) My XXXX  Passbook Savings Account does not exist in their records, not nice or right, and why? 
Monthly or even quarterly statement are never mailed to my home. I have resided at the same location for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
After I enter my personal information, i get a denial to access my yearly credit report with any agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
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: Problem with personal statement of dispute

Complaint:
CFPB please investigate the reporting practices of Equifax and XXXX enclosed are News letter s showing cases against Equifax for misuse of reporting I have been stating that they are playing games and stalling please use my information to do this investigation enclosed I want to show a pattern of how they refuse to comply with the law and make up there own manipuliating consumer credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. This creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-05
Company: Experian Information Solutions Inc.
State: MI
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 written to the three major credit reporting agency starting XX/XX/2018 through XX/XX/2018 about removing inaccurate information on my credit report i recieved a letter back saying that they investigated and that the information on my credit report had been verified and was accurate after i sent them documentations supporting my complaint that the courts do not report individuals cases to credit agencies. I also have an account on my credit report that i asked to be verified or deleted again this account also at the end of there investigation came back verified and accurate, but i also wrote a letter to this creditor in XX/XX/2018 about this matter and the letter came back return to sender so the address thaey have on this creditor is clearly incorrect.I also wrote to the credit agencies asking them to remove inquires on my credit report that was 30 days old or older and sent them a list of inquries that i felt inaccutate the in return sent me a letter stating to reach out to the companies that had inquired on my report I again tryinr to resolve this matter mailed out letters to the companies that had inquired on my report well again the letters were returned by the postoffice and there some companies on my report that has no contact information for the so i couldnt write them on my behalf.and another account on my credit report that i disputed came back verified and accurate i sent out letters to the creditor personaly on XX/XX/2018 with no response to my letters but also no postive response from the three credit agency they have provided me with no proof of  documentations showing that these are my accounts under the fair credit reporting act they must do so after an investigation. The credit reporting methodof the three credit agenies has caused me to be denied for an auto loan, credit cards, and a home loan and because of these actions fromt the credit bureaus and creditors this has caused me defamation of charactor and has been detrimental to my credit report.My complaint is about XXXX, Experian, and XXXX Also two creditors that i have wrriten XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. and the person involved is myself XXXX 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 2018-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX of 2013, I suffered a life threatening XXXX  injury which caused me to be in the hospital for several months. During that time a person by the name of XXXX XXXX, who I do not associate with anymore, gained unauthorized access to my bank account through Bank of America and stole over {$20000.00} from me while I was in the hospital. When I got out of the hospital, there was only {$40.00} in my account. While attempting to resolve this issue, I spoke to two representatives from the Bank of America complaint center and they were absolutely no help. XXXX ( unsure of the last name ) in the state of Utah and XXXX XXXX in the state of Maine. I asked them why my account was closed in 2013, and they stated that I had a pattern of late payment history. Ive never been late paying anybody, however I couldnt pay any of my bills while in the hospital fighting for my life. I asked the representatives to provide the dates I was late paying and they could not provide me any dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
Equifax ; XXXX  and XXXX  are incorrectly reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation