BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-12
Company: EQUIFAX, 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:
XXXX XXXX XXXX IS WRONGFULLY REPORTING ON XXXX, XXXX AND EQUIFAX credit bureau files.An offer to settle the charged off account came in the mail from an agent of XXXX XXXXThe agent accepted XXXX dollars to clear the account debt. ( see letter that arrived after conclusion datedXX/XX/XXXX.The charge offed amount was XXXX dollars.The balance reported afterXX/XX/XXXX should have been 0.Yet they reported XXXX dollars on all 3 reports wrongfully damaging my credit.FCRA DICTATES XXXX DOLLARS STATUTORY DAMAGES FOR THIS DAMAGE.THE WRONGFUL REPORTING OCCURRED AS THE RESULT OF THE malfeasance or fraud of the XXXX  XXXX AGENT, being transmitted to the bureaus after dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: V and H Portfolio
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt buyer named Vance Huffman reported on my credit for XXXX XXXX XXXX. Stated account was opened XX/XX/XXXX. XXXX Never had a payday loan with XXXX XXXX XXXX. I haven't cashed a check there since XXXX. I received nothing in writing. There is no contract. I've been incarcerated since XXXX in Colorado. Company refuses to verify.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX and XX/XX/XXXX my bill payment with Capital One Bank did not go through when it was on auto pay. I reached out to the company and they said they saw the payment tried to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark in my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XX/XX/2020 I send a request for investigation to TransUnion. The agency responded on XX/XX/2020 the following results : XXXX XXXX XXXX XXXX XXXX. 
No Changes XXXX XXXX  No Changes XXXX  XXXX XXXX  No Changes XXXX XXXX XXXX  ( XXXX ) No Changes XXXX XXXX  No Changes XXXX XXXX XXXX Deleted. 

On XX/XX/2020, I requested an updated copy of my credit report. I noticed that the items previously disputed had NOT been removed from my credit bureau. In particular, XXXX XXXX XXXX. As of today, I am still able to see this item reflected on my credit report. 

Another issue has to do with the unverified information from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX ( XXXX   XXXX  XXXX XXXX ). I have mailed my last request, before I file for remedies in court, on XX/XX/2020. 

Hoping that the inequities of power and access can be adequately addressed by government agencies advocating for consumers. I look forward to hearing from the corresponding agencies soon.

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 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2021-01-24
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an extreamely low balance with this card. Due to issue with thier website a payment was missed and the card proceeded to charge me a late fee which was nearly 50 % of the balance. I requested a waiver, the company responded with several non sensical questions about my balance and posting date when they have access to when and why the late fee was charged and there was no other charges in 2 billing cycles. I responsed to customer service with the requested information. I then made a payment minus the late fee charged. The company then charged another late fee the next billing cycle on top of the late fee already inccued. So now my balance consist entirely of late fees with no purchase balance. This is an unfair practice and keeps consumers in debt by chargeing exorbit fees on top of fee balances

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 2020-07-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
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:
Carrington Mortgage is reporting that my mortgage is 2-months past due as of today. However, I have been in direct conversation with Carrington Mortgage. It was late in XXXX, but I have confirmed multiple times ( directly with Carrington ), that my mortgage account has been current ( and still is ) since XXXX. I have also contested the status of my mortgage several times with XXXX, XXXX, and XXXX XXXX ; but Carrington Mortgage continues to confirm the delinquent status to the credit bureaus. So essentially, Carrington Mortgage is telling me that my mortgage is current and has been since XXXX, but they are still reporting it as 2-months past due on my credit report. They keep saying they will fix it, but the correction never happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Tate and Kirlin Assoc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a collection letter in the amount of XXXX from XXXX XXXX XXXX. I called XXXX XXXX XXXX and they referred me to XXXX. I spoke to XXXX and sent them the supporting documentation via email @ XXXX and postal mail to XXXX XXXX XXXX XXXX with no response. I then pulled a copy of my credit report and they sent my collection to another attorney XXXX XXXX XXXX XXXX who has yet to contact me or respond to my supporting documentation. 

The account reported in the amount o f {$530.00} as of XXXX/XXXX/XXXX is NOT MINE. I did not sign the contract. The renter signed the contract and is responsible for the account. Please see the attached lease agreement that also matches the XXXX contract name and contact phone number. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$28000.00}.

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 2019-06-21
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have made several payments to Navient and not of it was put toward my student loan. It was over {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 been a victim of identity theft

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 2020-07-14
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX is reporting on my credit false information. I have proof from screenshot of my XXXX XXXX  report & XXXX XXXX letter to me. Dates not matching, Experian and XXXX   states account was open XXXX but XXXX XXXX clearly typed letter saying the account was opened 15 days later which was XXXX. I feel they all are taking advantage of me and future of my credit. Please help 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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$6300.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX XXXX XX/XX/2022.

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 2019-10-09
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I have a paypal account, i recieved notification from paypal for unusual activity on XXXX XXXX I logged on and saw the unauthorized transfer to an unknown individual. I immediately notified paypal of an unauthorized transfer. They opened the case, on XX/XX/XXXX. 
On the XXXX they sent an message saying case denied transfer was authorized, i called an they said if i had a problem report it to federal authorities. 

I am reporting the theft of my money in the amout ( I do not know the currency ). 

Dispute Case ID : XXXX Transaction Amount : XXXX PLN

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Captial one credit card Open XX/XX/2018 Its not reporting on my credit report For all three credit companies Plus my users on they report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Convergent Resources, Inc.
State: SC
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:
Convergant Outsourcing is reporting on my credit false information. I have proof from screenshot of my XXXX XXXX report & Convergant Outsourcing letter to me. Dates not matching, XXXX  and XXXX  states account was open XXXX but Convergant Outsourcing clearly typed letter saying the account was opened 15 days later which was XXXX. I feel they all are taking advantage of me and future of my credit. Please help 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 2022-12-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please see attached. I am a victim of Identity Theft. Experian has been negligent in helping me resolve this. Attached are my FTC report and documents.

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 2019-06-22
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2017 I switch cell phone companies. From XXXX XXXX XXXX to XXXX. I attempted to contact XXXX XXXX XXXX   several time within 14 days of my switching carriers to return the phones from my plan. I was not successful in receiving return labels or getting a call back/follow up from their customer service. The account was sent to collections, I paid the balance of my final bill to the first collection agency that was assigned. I also made the first agency aware my attempts to return the equipment and received no help. The agency was supposed to document the issue and get back to me with a resolution. That never happened, they have now sold the account to this new collection agency. The new collection agency has placed this derogatory mark on credit without attempting to resolve the equipment return issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: ALLY FINANCIAL INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Ally Financial had agreed to take off all 5 late fee 's ... 
On my XXXX and XXXX I am being hit with 5 late fee 's which there customer service at Ally Financial agreed to take off. 


They agreed To Take off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have been making all my payments.

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 2017-12-15
Company: United Resource Systems, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In response to complaint XXXX. United Resource system claims that they sent out notification of an account they purchased however, they do not have proof of delivery and i never received anything allowing my right to legally dispute the account that was previously already in dispute with the original creditor. Company also claims they sent out documentation after i disputed account on my credit report in XXXX however again i received no communication or documentation nor do they have proof of delivery. My complaint needs to stand as its practices are not honest or legal. I will continue to file complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, 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: Reporting company used your report improperly

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been trying to finalize my mortgage. To do that I needed to show I was out of school ( graduated XX/XX/XXXX ) and get my loans consolidated to enter REPAY. I already consolidated my loans with Navient between XX/XX/XXXX-XX/XX/XXXX so I only needed to apply with the " add loans '' form which I did the first week on XX/XX/XXXX. I was sent correspondence from Navient on XX/XX/XXXX stating there is no waiting period to do this and it would be completed by XX/XX/XXXX. Since I submitted my REPAY apllication at the same time with my current proof of income, this would be done XX/XX/XXXX. I have spoken to Navient several times and received different answers. Now being told I had to wait up to 75-90 days ( depending on who I speak to ) for a consolidation to be done. Again, they also already confirmed the consolidation was completed months ago. Then today I received a coorespondance stating they put me into consolidation forbearance. I did not request any forebarence and have only been trying to get my payments established. I am to close on the home XX/XX/XXXX but can not do that until Navient has completed the add loans. I have been given multiple excuses such as they couldn't find the form, I can't establish repay on the loans until the add loans is done, they need to do another consolidation, there is no wait time for it, then a week, then varying months. It seems they are not allowing me to pay. They also claimed they took me out of in school status but the Dept of Ed still shows me in status. I was told they updated that on XX/XX/XXXX but as of today its not. I'm concerned that im unable to establish any kind of payments and they would take it upon themselves to put me into forebarence without even consulting or asking me about it, especially knowing I've bedn trying to establish a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
inaccurate/unauthorized fraud items on report. 

XXXX XXXX XXXX XXXX CAP ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: CL Holdings LLC
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX is showing on my credit report as a collection and I checked and they are not registered with the Secretary of Ohio to be able to collect this debt as I have resided in Ohio for the last year. Ive contacted the credit bureau as well as the agency and they have failed to remove the collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation