BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-02
Company: Experian Information Solutions Inc.
State: GA
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, or XXXX XXXX XXXX XXXX, agreed to remove my credit card account from my credit report after paying a legal settlement for the amount of {$460.00} on my credit card that had a balance of less than {$850.00} on XX/XX/2020. I have spoke with them several times since XX/XX/2020 and they refuse to remove the account on my credit report. I have disputed this with each of the credit bureaus directly and have recently requested by mail that they remove the account and have disputed their actions as well. I find that I will have to resort to legal actions. They show that I have several charge offs on my account, as well as late payments after the settlement was paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: GA
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, or XXXX XXXX XXXX XXXX, agreed to remove my credit card account from my credit report after paying a legal settlement for the amount of {$460.00} on my credit card that had a balance of less than {$850.00} on XX/XX/2020. I have spoke with them several times since XX/XX/2020 and they refuse to remove the account on my credit report. I have disputed this with each of the credit bureaus directly and have recently requested by mail that they remove the account and have disputed their actions as well. I find that I will have to resort to legal actions. They show that I have several charge offs on my account, as well as late payments after the settlement was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There are loans that say negative.. not accurate. 

Loan amount..not accurate Please remove negative loans HIPPA violation

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 2023-05-12
Company: EQUIFAX, 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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6500.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00}, ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
This refers to XXXX # XXXX with Capital One. 
I have been a CapitalOne Quicksilver Credit Card customer since XXXX of 2006 and held that account in good standing with a credit line of {$30000.00} since its issuance. All payments on the card were made on time and the {$30000.00} credit line is important to be available for eventual emergency spending while on international travel. 

On XXXX XXXX, without cause or reason, I was informed that my spending limit on this account was reduced from {$30000.00} to {$10000.00}. Obviously such a dramatic reduction in available balance will have an immediate effect on my otherwise excellent FICO Score. I did write a complaint to Capital One asking for a reversal of that decision as there is no reason to punish my FICO score with the lowering of the credit limit, rendering the card practically useless for its intended purpose. Lowering a customer 's credit limit should be based on increased credit risk or a failed performance in accordance with the agreement, and not simply some short term, average balance consideration as it does have an immediate negative consequences on the financial status of a credit card customer. 

My letter was answered with a request to call customer service. The call itself today was basically useless, because the agent on the phone was in no position to address the real issue. The agent just suggested to wait for 6 months and then apply for a credit increase, which with all due respect is ridiculous, considering the facts of this case. 

I consider this practice of CapitalOne to be misleading as they offer customers for the first 5-10 years a reasonably good credit line, then, once the card use is established and the cc number used for a lot of recurring purchases, the credit limit is randomly lowered without cause or reason, making it hard to change all recurring charges back to a different card. The decrease of a credit card limit must always be based on an increased credit risk for the lender and not just a random occurrance without cause. If the lender can not support the credit risk posed by a customer, then the bank should never grant a high credit limit from the outset. It must be taken into consideration that the reduction of a credit limit has an immediate effect on a customer 's FICO score and therefore his financial standing. This practice is in my opinion wrong and should be investigated by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX transferred to Loancare. My XXXX grace period terms have not changed. 

Loancare trying to charge late fee. 

Sent to Loancare below.

Payment/Statement Inquiry, Remove the {$10.00} late fee. See XXXX Transfer Document. Terms of my agreement, due dates, grace period have not changed. I have until the XXXX of every month to make payment. I did not inherit a new agreement with Loancare when transfer took place.

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 2020-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I am requesting the removal of all Fraud Alerts from my credit report. I am trying to buy a car and I can not access my credit file with the Freeze/Alert on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX forwarded my debt to Merchant and Medical Credit. They, Merchant and Medical,  have made frequent phone calls to the point in which I have blocked any numbers they have called me from. Also, they recently contacted my Emergency Contact noted on my medical records asking for my information. The hospital asked for an emergency contact in the event something happened to me at the hospital. Why their contact information was forwarded to a debt company does not seem right. Also, when you call the company they do not note who they are. I called them from my work phone, blocked number, and I had to ask who the number was regarding. I'm not entirely sure if this falls under the FDCPA, but I do not think it's proper for a hospital to forward my in the hospital emergency contact to a debt collection company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-07
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Good morning, We were trying to resolved this issues. So PHH Mortgage came back saying they were going to apply the missing payments and I don't understand or how they did this and where they have gotten their PAYOFF amount at. When I have a statement at the first of the year XX/XX/2020 stating what I owe for my PAYOFF on my mortgage at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. I will include this statement to show them. So on the XX/XX/2020 my statement states that my payoff is at XXXX they came back on XX/XX/2020 after replying back to my complaint and saying that my pay off would be XXXX and this PAYOFF is only good thru the XXXX of this month. They are trying to get over on me by XXXX I will not let this happen if they can not go thou there figure and get this straighten out, I will just get a lawyer and we can go to court. this is horrible that they mess all this up and they are not even being honesty about any of this .Let the truth be told they never even removed what I paid for those months they should of credited me and then stood up to what is on the truth side of this. if this is not resolve them we will go to court. sorry let the truth be told and this is truly unfair to me as a person. This isn't my mistake this is there by far. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 2020-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Experian Information Solutions Inc.
State: MI
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 tryed to dispute these accounts back in XXXX XXXX XXXX, XXXX, and XXXX XXXX with all three CRA. I have attached documents showing what they sent me ; also Ive attached information from Experian showing multiple names for me and multiple addresses this should not be on my report all of these names for one person. I asked these companies to send me something with my signature or an original signed contract but the results were the documents I have attached. Also XXXX XXXX was deleted off of my credit report that was reporting XXXX but the CRA is still reporting this XXXX 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 2021-03-29
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Since the begining of 2020 i been try to resolve this matter but the company XXXX XXXX is not willing to help me and since about 6 month they start to impose a fee increasing the amount that they said i owe wich star as XXXX and now because of all the fees that they are adding in violation of the contract is more than XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Net credit report a late payment. I told them due to conronavius and the governor closing my business, i am unable to make payments and would like to defer my payment. Net credit agree to defer my payment but added a late payment to my credit report. I spoke to the county Judge and he said before I file a lawsuit against net crefit I should reach out to credit reporting agencies and let them know that it was declared a natural disaster, and it's no fault of any business. All negative reports should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I would like to submit my CFPB Complaint regarding these fraudulent items on my report that are still inaccurate. I had submitted already my complaint on my previous letter but still there was no further actions. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they reported. I want some investigations regarding to this matter. I need the following items be remove on my credit file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-06
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo called me trying confirm a bank account I never opened and XXXX issues saying something about a pending payment from XXXX and I never did that. XXXX has closed my account for fraud

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 2018-10-04
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On the XX/XX/2018, I purchased a product from XXXX XXXX and used XXXX XXXX XXXX XXXX XXXX XXXX for {$4200.00}. I paid dues regularly each month and on XX/XX/2018 I settled all outstanding balance of {$3800.00}. On XX/XX/2018 requested the bank to close my account. XXXX XXXX from the bank confirmed on XX/XX/2018 that my account was closed. 

On XX/XX/2018 I got a call stating that my account is in collections as I haven't made payments for 2 months. I logged in and saw that an amount of {$71.00} is due. After I closed my account an interest of {$15.00} was applied with late fee charges each month! I don't understand how can a bank do this after closing an account. I have saved a copy of all secure message transmissions between myself and the bank. 

I am making this payment to save my time. But I would like to report this XXXX XXXX XXXX XXXX and business for misleading consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Financial Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Financial Recovery Services, https : //www.fin-rec.com/ continues to call me multiple times a day attempting to collect debt belonging to someone else. I have never heard of the person they are looking for and I have told them multiple times. They hang up on me and continue to call multiple times a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I co-signed on a vehicle with my wife on XX/XX/XXXX. After always paying on time my vehicle transmission went bad in XXXX of XXXX. After trying to set up payment arrangements to pay vehicle off I was sued and a judgement was filed. The continue to update the debt every month negatively even though its shows as a Charge-off since XX/XX/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 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I disputed an account explaining that it was inaccurate as there was different information being reported by each report bureau to which I know it was inaccurate. The last payment date is incorrect as well as the open date. I received no response from the copy stating what their resolution was. I also asked for a copy of my credit report each time. I disputed this account numerous times using screenshots to show how the inaccurate information violated the FCRA section XXXX & XXXX as nothing was consistently reporting. I asked for the account to be deleted by my request was simply ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: 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: Information belongs to someone else

Complaint:
This is not a rhetorical question however why do I have inquiries in my report which are not mine? Recently, I viewed my report and I got shocked that I have somebody else info in my credit record. Is it legal in general? Why Bureaus failing to maintain procedures regarding the law mainly to check the information and update correctly? Could you imagine how these fake and wrong inquiries damaged my life recently when I was rejected because of them? Please can you investigate and remove these items from my credit report, come on its not a joke and because of these items I am in troubles. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent letters about inaccurate reporting of false items on my credit report. I have not received a response from them yet. I feel like I'm being ignored by them of my disputes. This are deceptive practices by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CREDIT ACCEPTANCE CORPORATION
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: Account information incorrect

Complaint:
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the 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 2023-04-17
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/ 2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation