BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: IL
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 a home equity line of credit with XXXX. For some reason it 's reporting as a credit card on my credit report with all three credit reporting agencies. This has caused other credits to deny my applications for new credit and increases in existing credit lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
Pursuant to FCRA 15 U.S. Code 1681i, I am requesting that XXXX not furnish any information about me concerning my credit file. I believe the information for Bank of America, Account Number XXXX XXXX XXXX is a result of identity theft ; thus, please stop reporting information about me to consumer reporting agencies. 

Please be advised that I am a victim of identity theft. My wallet has been stolen on several occasions and my information has been leaked in a data breach. Following these events, someone used my name, Social Security number, date of birth, and other identifying information, without my authority, to commit fraud on behalf of Bank of America, Account Number XXXX XXXX XXXX. 

As has been noted, an investigation is supposed to involve reviewing documents, researching facts, interviewing witnesses, or comparing handwriting. During my previous dispute process, XXXX XXXX did NOT conduct a meaningful examination of the underlying facts, which is a mere violation of the Fair Credit Reporting Act. XXXX XXXX employees are no more than data entry clerks in the dispute and investigation process. XXXX XXXX did NOT properly review any documents, research facts, or interview any witnesses, such as family, associates and/or neighbors. 

I am requesting that all information about me and my accounts remain private. I want my name, address and credit data excluded from your marketing lists. 
In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions. 

I have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the 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 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
When I went to the car dealership I was told that my credit would only be pulled by one company however multiple companies pulled my report without my authorization resulting in me having multiple hard inquiries without my consent. 

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 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX is where I obtained a loan from them. I fell behind on the loan due to a very unfortunate situation. I have been disputing the errors on the account with it coming back verified and accurate each time with no changes. The balance on each credit bureau is different. The last day reporting back to the credit bureau is different on each credit bureau report. The open dates are different as well. They have failed to properly dispute and correct all the information above. I would like for this account to be removed from all 3 of my credit profile due to them not properly correcting my credit reports and reporting untrue information on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: LCO Financial Services, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
This company has been calling me everyday since XX/XX/2019 .They leave voice mail after voice mail wanting payment which I do not have .This needs to stop and how can I pay this loan of with these fees like they are

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 2019-07-16
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Barclay I'm filing a formal complaint via the CFPB website. On XXXX XXXX, 2019 you reported to all XXXX credit reporting agencies. XXXX charged off account ending in ( XXXX XXXX & XXXX How ever after reviewing my credit file I found several violation of the FCRA. & FDCPA you failed to report that the accounts was sold Transferred to 3rd party debt collected. per the FCRA this is a violation I asked that you delete account XXXX / XXXX immediately or I will take Legal action for {$XXXX} per account on each reporting agency. if the account are not removed from my credit files because this is unfair reporting on your behalf. 
Violation # 2 both accounts XXXX XXXX are reporting balances if you have sold this account to XXXX XXXX XXXX XXXX you DO NOT have the right to still report the balance since you are no longer the Owner of the accounts again you could be fined {$XXXX} for violation the FCRA. again please delete these account from my credit files ASAP for violation! and Unfair reporting. The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be or deleted immediately.

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 2020-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CapitalOne closed my account while saying it was restricted and continuing to take payments over {$300.00}. I spoke to customer service to let them know payments from my old checking account no longer worked and made new payments from a different checking account. They thanked me for letting them know and took the payment all the while saying the account was restricted not closed but having actually closed the account. Their app still shows the card as restricted not closed and they claim to have sent correspondence that was never received and claim they had every right to take payments while misconstruing the accounts status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-05
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: Account status incorrect

Complaint:
I used a credit repair company ( XXXX XXXX XXXX ) who promised to get me into a home. I am filing a separate complaint against them, but this one is about the credit bureaus and them not removing the disputes that XXXX XXXX XXXX filed on my behalf. I have called and sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to all three bureaus. They have not removed the disputes as I have requested.

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 2019-08-08
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. Remove XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Pacific Union Financial, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My file is being dual tracked. I was in an active review with the lender and they set a foreclosure sale while I am in review. 

On XX/XX/XXXX my HUD approved Housing Counselor confirmed that I was approved for a forbearance agreement through the end of XX/XX/XXXX.  On XX/XX/XXXX my HUD approved Counselor faxed over a request for continuing the forbearance including the following : 1. FHA form 710 2.  4506-T 3. Hardship letter 4. Information about latest status of medical hardship & upcoming XXXX 5. My food support Award Letter 6. Transaction history for my food support and general assistance showing proof money is received on EBT card.
7. Lease agreement 8. Rental receipts signed by me and my renter 9. Explanation that rent is paid in cash 10. XXXX signed Federal Tax returns 11. Letter of explanation regarding me having no bank account and therefore no bank statements. 
12. Authorization for my HUD approved counselor to speak with my lender On XX/XX/XXXX my HUD counselor called Pacific Union and spoke with XXXX who said that she sees that they have received everything they need to review my request for continuing the forbearance agreement and that we should callback every 2 weeks to see where things are at. 

On XXXX/XXXX/XXXX my HUD counselor called Pacific Union and  spoke with XXXX who said there were no updates, nothing needed. He then said that the file was still being reviewed for completeness. My counselor asked why we were told it was considered complete and it was with underwriter. XXXX said he did n't know and suggested we call back the next week. 

On XXXX/XXXX/XXXX my HUD counselor called Pacific Union to see where things were at. She spoke with XXXX again, who then had a list of documents including documents that we had already sent. My counselor called me and made me aware of documents and due to my recent XXXX, it took me until XX/XX/XXXX to gather and return the documents. 

On XX/XX/XXXX I was served a foreclosure notice. My request for assistance was not denied and my request was in on XX/XX/XXXX and confirmed on XX/XX/XXXX, so we are confused as to why there was a sheriff 's sale set and how this is not considered dual tracking?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
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: Account status incorrect

Complaint:
I used a credit repair company ( XXXX XXXX XXXX ) who promised to get me into a home. I am filing a separate complaint against them, but this one is about the credit bureaus and them not removing the disputes that XXXX XXXX XXXX filed on my behalf. I have called and sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to all three bureaus. They have not removed the disputes as I have requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-27
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX will not verify or remove this listing from my XXXX XXXX credit report. I have asked that they fully validate/ verify this debt in it 's entirety. Including my signature and promise to pay as well as other identifying information that will verify that this line item should be listed on my credit report. This collection agency has not provided this information. I am requesting documentation that states I promised to pay. A contract with my signature that shows this account belongs to me. I have yet to receive this information after numerous attempts as well they continue to verify this information as accurate with XXXX XXXX although they have yet to provide me with the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX XXXX was contacted by XXXX XXXX XXXX using unknown number person on phone was XXXX XXXX XXXX this was the first phone call from them they purchased my credit card past due from Synchrony bank. Was told I must make a payment today or other action would have to be taken after a little while of going back and forth informing them I did not have the funds he had scared me enough that I said I could do XXXX $ payment today. he said he had to speak with manager to see if it would be ok manager approved and he sit me up on a plan but it was never disclosed to me at anytime this would be sit up for continued auto withdrawls he left me understanding I would be making monthly payments but not auto payments. He told me i must get email and follow directions to accept so i did but when I went to make the {$10.00} payment it sit up payments through XXXX. I did not agree to monthly auto drafts. I agree I owe the money and will do my best to pay the debt but I was only paying XXXX for the month of XX/XX/XXXX. I went to a chat with a representative. He or She since they were using another name and admitted to that due to NC LAw would not help correct the issue. XXXX XXXX harassed me for XXXX min.misleading me on the additional measures they will take to get there money stating that I would have to pay in full on the day it was demanded. Then I agree and make the 1 time payment of XXXX and they fraudulently use the banking information I used to set up payment through XXXX. Went to chat and asked for help at XXXX and XXXX XXXX XXXX XXXX XXXX XXXX would not help and told me to call back next day. ( saved copy of chat )

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 2022-04-28
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act : XXXX XXXX Account # XXXX has violated my rights. XXXX Account # XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX  XXXX Account # XXXX has violated my rights. 
XXXX  XXXX Account # XXXX has violated my rights. 
XXXX  XXXX Account XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 


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

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

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 2017-09-27
Company: CITIBANK, N.A.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Citi Mortgage ac # XXXX XX/XX/XXXX- I ( XXXX ) contacted Citi Mortgage seeking financial hardship assistance because of my job loss in XX/XX/XXXX. I was told XXXX and I could n't refinance even though we had XXXX in equity of this home. Then Citi Mortgage told us the only way we could get a loan modification was to fall behind XXXX months to even be considered. Therefore, we fail behind and applied for a loan modification multiple times between XX/XX/XXXX - XX/XX/XXXX with Citi Mortgage to never get approved. All required documents were Faxed and certified Mailed multiple times and I was continually told- that documents were missing. Citi Mortgage continued to add on late fees and service fees, escrow shortage and they increased our monthly payment causing more financial distress. XXXX and I continued to catch our Mortgage payments up during this XXXX year span draining our XXXX accounts, savings and any income we could fine to save our home. Citi Mortgage sold our mortgage to XXXX in XXXX XXXX. And at this time send us a letter stating that our Mortgage XXXX is complete and all of our documents will be forwarded to XXXX. That nothing else is needed to begin process. XXXX said they never received any documents concerning a Modification and we would need to start over.

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 2022-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I dont have account I have several inquiries that have to be that inquiries reached capital one on XX/XX/XXXX and was transferred XXXX x with no help or resolution to get this removed it is theft not me theft of identity for some attempting to apply in my name I reached XXXX XXXX department they saying file FTC report to get the inquiries removed frustrated and hurt capital one Was terrible XXXX transfers. I have even signed up last year to stop all mailers for card solicitation in my mail box and notice last inquiry was XXXX. I need them removed please tearful plea.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. Remove XXXX XXXX, US DEP ED 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 explanation
Consumer complaint received 2017-07-05
Company: Collections Acquisition Company, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Today, XXXX/XXXX/2017, I noticed that my credit score had dropped from the mid XXXX to XXXX. I ordered a free credit report and found that I was in collections for {$290.00} for a check that bounced to XXXX XXXX XXXX  drawn on a bank that I have never had an account with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX XXXX I 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 explanation