BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX knowingly and willfully violated Federal Regulations as they charged off my account at not even 60 days past due after I volunatrily surrended the vehicle to them. At the time of surrender, the loan was only 18 days past due. They sold the vehicle approximately a month later and then, despite what the federal regulation stated, they went ahead and charged off installment loan at about 62 days deliquency ( see XXXX credit report screen shot to reinforce )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
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: Investigation took more than 30 days

Complaint:
disputed incorrect items on my report and haven't received the results from months ago

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 2021-11-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Experian Information Solutions Inc.
State: CA
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:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX, XXXX XXXX, Manager XXXX The basis for my dispute is was required to notify me prior to XX/XX/XXXX, or no later than 30 days after XXXX XXXX XXXX, XXXX XXXX, Managerfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days afterXX/XX/XXXX, furnishing the negative derogatoryinformation to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. 
They were not met. I asked for documentation & received no response. 
Also, XXXX XXXX XXXX, XXXX XXXX, Manager '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of TX allows treble damages. 
Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX, XXXX XXXX, Manager failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve XXXX XXXX XXXX, XXXX XXXX, Manager is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. 
XXXX XXXX XXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experian still hasn't responded to my disputes

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 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I, XXXX XXXX XXXX, the consumer, have been violated by the company Capital One Bank times. Capital One " Bank '' has violated has claimed they have provided credit however they only have rights to borrow, and are not an actual bank.They are forcing customers to put down cash payments for a consumer credit transaction and have continued to take cash payments in consumer credit transactions. They have proceeded with furnishing false information on my credit report. They have failed to provide me with a validation of this alleged " debt '' They used my my social for non permissible purposes and found other use for my social security number. The company was paid off but still furnishes a negative, " charged off '' report. The company has at times called me multiple times within a week threatening me to make payments and eventually sued me when not in my jurisdiction. Also, they are violating FCRA by reporting false information. They appear as " Capital One Bank '' on statements however show as " Captial One '' excluding the " bank '' on bills. According to my calculations alone I'm showing that I was violated 14 times, i'm sure there's more. However, they are in violation of 15 USC 1601a, 15 US CODE 1681 ( A ) 15 US CODE 1692 D, 15 US Code 16, 15 USC 1681n ( b ), 15 USC 1692g ( 1 ), 15 USC 1692 ( 2 ), 18 USC 8, 15 US CODE 1692B ( 2 ), 15 USC 1692B ( 3 ), 15 USC 1692H, 15 USC 1692g ( c ). This company has lied about who they are so there's no telling what other lies they have told. Capital One " Bank '' is a very dangerous well known company and this company has caused mental anguish that is turning into physical stress and is affecting me tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
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:
this issue backs from XX/XX/XXXX when XXXX XXXX XXXX did split an {$7100.00} credit card in two, one in dispute are XXXX sent to Santander Bank in XXXX. While dispute with XXXX XXXX XXXX the split that cause unfair negative information on my credit report and they not take any positive attitude or had answer interest came compound that debit reached {$3100.00} reported on Santander and XXXX XXXX XXXX for certain amount of time and at same time, how could be that when XXXX  XXXX XXXX reported sent to Santander? 
More recently year by end year XXXX I contact Santander to make an arrangement to pay that debit to clear my unfair debit, I did paid the amount with Bank receipt by XX/XX/XXXX the total amount. Santander does report my credit card activity on XXXX  card account # ending in XXXX, the they state in their letter " your credit card # ending in XXXX ( the one that did carried debit amount ) is assigned to this account number being reported to the agencies. This account was transferred from XXXX XXXX XXXX " Santander never reported payment to XXXX even after I called the Bank to do so, as show on my credit history, appear incorrect ND and CO. XXXX only state my comments. 
Santander Bank, always send a letter to me after I do request them to report XXXX   and fix the problem and last said on second paragraph " ... .Santander reported this account as a paid charge off. Per XXXX, this account is reporting as a paid charge off '', my question are, is it XXXX will report to the Bank to say how the Bank will state on letter or the Bank will report to Agency? Why the Bank does not report paid as agreed on arrangements their letter dated XX/XX/XXXX? Charge off or Written off are considerate by XXXX not paid to first creditor, But, never was first creditor or third parties, this were a new credit card sent by XXXX while ( XXXX ) kept another on XXXX   XXXX XXXX. Why Santander never report to XXXX? All this are unfair and hurt me with no reason at all, I believe there nobody that take the right attitude to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX " sold '' my mortgage to Specialized Loan Servicing, LLC XXXX ), last fall. A couple of weeks ago XXXX  sent me a statement detailing my escrow account. I'm attaching same for your convenience. The statement shows my projected escrow account will total {$2100.00} and the projected disbursements from my account will total {$2100.00} for a difference of XXXX cents. 

On the statement it says " Cushion selected by servicer : {$350.00}. '' Do they have a legal right to hold an additional {$350.00} above what is needed to pay the annual taxes and insurance? In my view it would allow them to earn interest on my money for the life of the loan.

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 2021-03-08
Company: CBC Companies, 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:
My problem is back in XX/XX/XXXX Factual Data ran three separate hard inquiries three separate times in the same month of XX/XX/XXXX for me to try to qualify for a mortgage through XXXX XXXX. 

What happened is I now have a total of nine inquiries ( 3 per bureau ) instead of them being considered as one inquiry per Buereau which artificially inflates the quantity of inquiries by 9 overall instead of one time per bureau for a total of 9 inquiries.

So I keep getting denied credit for a mortgage or credit cards for having to many inquiries. 

On XXXX XXXX, XXXX our home was damaged by the tornado on that date in XXXX TX and we needed the loan for repairs. 

XXXX XXXX required a middle FICO score minimum of 680 and I had a 679 and they refused to waive the one point. They insisted these hard inquiries would be considered as one hard inquiry per Bureau. 

So our home almost a year later remains unrepaired because I still can't qualify due to the amount of inquiries and they say they can't ( wont ) request the correction. 

Factual Data tells me they won't request a correction either. The pulls are dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Please help as our livingroom exterior wall and roof are exposed to the elements ( roof is tarped ) and I can't qualify for the financial resources for repairs.

Appreciate anything you can do for Factual Data to do the right thing. The reason for pulls given by Factual Data in my credit reports is only listed purpose as for a mortgage to only XXXX for all 3 times but XXXX  counts them as 3 times, not one anyway.

Factual Data listed the pulls for the other two bureaus as Miscellaneous Rplg. Agencies. Not as being for a mortgage.

Please Help. We suffered in the home with 8 degree Temps during the recent Freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Experian Information Solutions 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:
There are many mistakes appear in my report without my understanding.

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 2019-05-16
Company: Experian Information Solutions 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:
About a year ago I was robbed at my home and a lot of personal belongings were taken from me including money, jewelry, credit cards along with my personal information..

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 2021-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The first round of letters I wrote to all 3 credit bureaus XXXX, Transunion, and XXXX on XX/XX/2021. Demanding that the things being reported on my credit report needed to be removed. I never gave them written consent to furnish anything on my report pursuant to 15 USC 1681b ( 2 ). No consent is identity theft! They only thing that I got from Transunion and XXXX was a credit report with nothing removed. XXXX never responded during the 30 days provided after the certified mail receipt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One Case # XXXX Amount {$660.00} Purchase Date : XX/XX/2019 Capital One Card Services One XX/XX/2019, I booked a flight on XXXX XXXX ( Ref : XXXX ) to XXXX. Shortly after, I received a jury duty notice. I contacted XXXX to identify if there was a policy to resolve extenuating circumstances as I was no longer able to receive the service paid for. They notified me they would not refund me nor waive rebooking fees, they would provide no relief, therefore I was out {$660.00} due to their draconian policies. Never in my communication, did I request that they cancel my flight. 
Not long after ( within 2-3 weeks ), I noticed that my flight was completely cancelled with no communication from the airline whatsoever. The flight was no longer in my account nor could it be searched for. For some reason, now not only did I not have my flight that I could not cancel but could rebook, I had nothing. XXXX took it upon themselves to cancel my flight and resell my seat without request from me, providing me no services and no merchandise for the {$660.00} paid. 
I disputed this transaction but as of XX/XX/2019, but Capital One rebilled me as apparently there was an issue with my dispute even though I received nothing in return for my payment to XXXX and they breached their carrier agreement. Capital One states that XXXX XXXX provided proof of their cancellation policy. Once again, however, I never requested a cancellation as at very least I could have done a name change on the ticket or booked it for a future date. I now have no flight on XX/XX/XXXX, nor an ability to rebook. 
I contacted capital one on XX/XX/2019 for assistance and was told that the matter was resolved due to Norwegians response. 
I dispute this charge and request a 100 % refund as XXXX has not provided the service agreed in any shape whatsoever, including the ability to rebook and cancelled my seat without request. No service has been rendered or merchandise provided, and they have breached agreement. Should this charge be held, I will contact the CFPB for relief beyond what has been currently ( or not ) provided. 
Never in writing nor via any form of communication did I ask XXXX to cancel my flight, however, the flight was cancelled without request nor did they correspond with me in any manner to inform me of such. 

I have attached proof that my seat no longer exists including : -original receipt showing booking number -proof there are no bookings on my account -proof that you can not search the XXXX   website for my booking ( it has been deleted )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Aargon Agency, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have repeatedly tried to notify this company that the items do not belong to me. 
XXXX XXXX  XXXX, Aargon Collection XXXX, & XXXX XXXX. 
Please help me with these items.

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 2021-11-09
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
As a co-signer of this student loan I was unaware of the delinquent payments. This caused my credit score to decrease. When I became aware of the delinquent payments, I paid the outstanding balance and have continued to pay the monthly payment on time. My credit score has not reflected my efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Experian Information Solutions Inc.
State: LA
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:
Monthly I tried to correct my reports. There is a big issue with these credit reporting companies. They have been hit with lawsuits and still do not meet qualifications to handle the consumers information. 
There is a major economic problem in the nation and they seem not to understand! 

Since there is an economic issue affecting people way of paying their bills, why are not the reporting done better to help the consumers and not hurt the? There is no compassion with these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Experian Information Solutions Inc.
State: MA
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:
this issue backs from XX/XX/XXXX when XXXX  XXXX XXXX did split an {$7100.00} credit card in two, one in dispute are XXXX sent to XXXX XXXX  in XXXX. While dispute with XXXX XXXX XXXX the split that cause unfair negative information on my credit report and they not take any positive attitude or had answer interest came compound that debit reached {$3100.00} reported on XXXX  and XXXX  XXXX XXXX for certain amount of time and at same time, how could be that when XXXX  XXXX XXXX reported sent to XXXX? 
More recently year by end year XXXX I contact XXXX to make an arrangement to pay that debit to clear my unfair debit, I did paid the amount with Bank receipt by XX/XX/XXXX the total amount. XXXX does report my credit card activity on Experian card account # ending in XXXX, the they state in their letter " your credit card # ending in XXXX ( the one that did carried debit amount ) is assigned to this account number being reported to the agencies. This account was transferred from XXXX XXXX XXXX " XXXX never reported payment to Experian even after I called the Bank to do so, as show on my credit history, appear incorrect ND and CO. Experian only state my comments. 
XXXX XXXX, always send a letter to me after I do request them to report Experian and fix the problem and last said on second paragraph " ... .XXXX reported this account as a paid charge off. Per Experian, this account is reporting as a paid charge off '', my question are, is it Experian will report to the Bank to say how the Bank will state on letter or the Bank will report to Agency? Why the Bank does not report paid as agreed on arrangements their letter dated XX/XX/XXXX? Charge off or Written off are considerate by Experian not paid to first creditor, But, never was first creditor or third parties, this were a new credit card sent by XXXX while ( XXXX ) kept another on XXXX   XXXX XXXX. Why XXXX never report to Experian? All this are unfair and hurt me with no reason at all, I believe there nobody that take the right attitude to do so.

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