BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX account # XXXX XXXX Funding has violated my rights. 
15 U.S.C. 1681 section 602 A. States that I have a right to privacy.

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

Further : I did NOT give any alleged creditor my explicit verbal or written authorization to hard pull my credit report. The following inquiries are Unauthorized : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: NJ
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:
I reviewed my credit report and i dont recognize the following inquiries on my credit report and i didnt authorized the inquiries XXXX XXXX XXXX XXXX credit unions Inquiry date : XXXX XXXXXXXX XXXX XXXX XXXX  DATE : 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 2020-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 bank has not updated my account XXXX & XXXX as paid on time since this virus on my credit bureaus is not reporting right i have not gone no 30 or 60 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: CarMax, 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: Investigation took more than 30 days

Complaint:
i have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is following two complaints I submitted to the CFPB on XX/XX/2020 and on XX/XX/2020. I just learned from BOA that they have decided to end their relationship with me. This is after they accepted a fraudulent cashiers check and gave me access to the funds the very next day. I havent had access to my money in both my new checking and savings accounts since Friday, XX/XX/XXXX, and Ive already missed a payment for my health insurance premium. My rent is due on XX/XX/XXXX. Now BOA has resorted to blaming me again for the closure, the fraud, and has not allowed me to collect my safe deposit Belongings. I have been sent to three different departments to try and resolve the matter and have been given several different excuses for the closure. I was just told by a male agent in the Risk Closure Department that if I end my relationship with BOA under the current circumstances, since it was I who allegedly provided my account information to someone that led to the fraud, that I will not be able to open another bank account at any other bank for five years. And after I demanded my money back, vowed to re-contact the regulatory bodies, and clarify that it was me who was ending my relationship with the bank, I was finally told that no, my accounts are not closed, that I should have had access to my funds.

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 2017-10-05
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted all XXXX credit reporting agencies to have this late pay removed from my credit report. This account is a student loan for my son. I completely understand that as a co-signer I am also responsible for this his account. However, I was not notified that it was 30 days late. He has multiple loans and is trying his best to keep them all current. 

It is just not right that XXXX of the XXXX agencies responsible for maintaining consumer personal credit information ( Equifax ) can have a major breach ( affecting millions ) and NO repercussions. My son was late XXXX time and this stays on MY credit report for XXXX YEARS! It clearly is a double standard here. Consumers can not make a mistake. I understand my credit is not the best but I have never had a late pay ( 29 years of credit history ). I have had XXXX credit card companies send me letters closing my accounts. This is a disgrace and the laws need to be changed relating to Fair Credit Reporting Act. There is nothing fair about this Act. XXXX years is just not right. Equifax will remain in business and my credit has been destroyed due to a simple mistake. 

I am asking to have this negative item removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted all 3 credit reporting agencies to have this late pay removed from my credit report. This account is a student loan for my son. I completely understand that as a co-signer I am also responsible for this his account. However, I was not notified that it was 30 days late. He has multiple loans and is trying his best to keep them all current. 

It is just not right that one of the three agencies responsible for maintaining consumer personal credit information ( XXXX ) can have a major breach ( affecting millions ) and NO repercussions. My son was late ONE time and this stays on MY credit report for SEVEN YEARS! It clearly is a double standard here. Consumers can not make a mistake. I understand my credit is not the best but I have never had a late pay ( 29 years of credit history ). I have had 4 credit card companies send me letters closing my accounts. This is a disgrace and the laws need to be changed relating to Fair Credit Reporting Act. There is nothing fair about this Act. SEVEN years is just not right. XXXX will remain in business and my credit has been destroyed due to a simple mistake. 

I am asking to have this negative item removed from my credit report 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 2022-04-29
Company: CrossCountry Mortgage 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

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 repayment on a credit card account under an end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: General Motors Financial Company, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been using a credit repair service to validate debts and inaccuracies on my credit reports. I've had several inaccuracies with GM financial getting a response or getting items confirmed. The issue is they are reporting several late payments including late payments in 2021 which are false reporting. I've provided XXXX  payment history to the firm representing me and GM has not verified, replied or removed the inaccuracies. They have also reported a repossession of my vehicle in XX/XX/2021 which is not at all true. I paid my vehicle off in XX/XX/2021 and have a copy of my title. Unfortunately they are reporting late payments especially in 2021 and can not or haven't verified with me or the firm I'm using. Now they have put a repossession on my credit. I am seeking for some accountability and fairness in this situation please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Experian Information Solutions Inc.
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:
There is a medical collection showing on my credit report which is inaccurate. The account in question was part of workers comp. They account was paid in full but yet Experian reports the account as an open medial collection. There is obviously and error. I have supporting documentation to support showing account paid reimbursed by workers comp.

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 2017-10-05
Company: Navient Solutions, LLC.
State: NY
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
What is this complaint about? Mortgage company What type of problem are you having? Mortgage payment fraud and non payment of escrow credit.
What happened? On XX/XX/XXXX, the XXXX XXXX XXXX, VA, Treasurer 's office sent proof by letter and telephone confirmation of my XXXX XXXX tax exemption for being ( XXXX XXXX XXXX ) rated at XXXX XXXX. In turn, a tax credit in the amount of {$3700.00} is owed me. However, OCWEN continues to hold this escrow credit and refuses to remit payment to me as supported by law. This letter served as official notification to OCWEN to stop collecting property taxes via my mortgage escrow account. As of date, I have spoken with several OCWEN representatives and received conflicting information about this matter. For example, I am being told by OCWEN that an " escrow analysis '' is needed. To date, each of my inquiries to OCWEN I 'm told " another '' escrow analysis is needed so far three have been done with no resolution. Another telephone conversation with OCWEN, I was told my mortgage payment went from $ XXXX+ to $ XXXX+ for the XX/XX/XXXX payment. Instead OCWEN sent me a monthly statement for XX/XX/XXXX in the amount of $ XXXX+ with {$780.00} of " escrow '' which I am " exempt '' from as of XX/XX/XXXX to Present. I am now dealing with an OCWEN employee from the " Research Department '' named XXXX at ( XXXX ) XXXX ext. XXXX. I spoke with her on XX/XX/XXXX as she informed me she would be ordering a new escrow analysis ( 4th one ) and handling my matter going forward. I told her that I will not submit a monthly payment as my mortgage payment is incorrect, I do n't know what is going on with my account, and that OCWEN is committing fraud by intentionally misrepresenting my account and refusing to refund my escrow credit only offering excuses of internal systematic miscalculations. I am very angry and very confused about the entire matter with OCWEN. I seek immediate assistance for this complaint.
What company is this complaintabout? OCWEN Who are the people involved? Research Department ( random employees ) As of XX/XX/XXXX, XXXX at ( XXXX ) XXXX ext. 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 2021-01-19
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
I have been fighting with Discover for almost two years concerning an unauthorized credit account opened in my name. I have filed and sent the company and respective credit bureaus copies of police reports, FTC identity theft affidavits, multiple letters, and proof of my identity. The items were initially removed from my credit report, then Discover certified to the credit agencies that they are holding me responsible for this debt. Shortly thereafter, it was added back to my reports. I feel as if I am being revictimized by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03
Company: Westlake Services, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquiries that are appearing on my report that are not mine. XXXX XXXX # XXXX, XXXX # XXXX, Westlake, XXXX XXXX. Would you please have these inquiries removed that are a result of attempted fraud. I have fraud alerts that are in place on my report that will not allow new accounts to be opened without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: JPMORGAN CHASE & CO.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I went into Chase bank on XXXX XXXX XXXX XXXX XXXX GA XXXX. I applied for a business loan for the second time in two years. On XXXX XXXX, 2017 I got a letter from them that denied me. They said that it was for the following reason of derogatory personal public record or collection filed along with a few other. They also said that they relied in whole or part from a report from XXXX and my credit score showed XXXX. I pulled my credit and XXXX showed XXXX and XXXX XXXX score. I also have no derogatory public records as of XXXX/XXXX/17. I want to have CHASE investigated because I have been with them 13 years and want to know what criteria is needed to get a loan because I feel like I am being discriminated against. I am also seeking legal counsel on this matter. I can email someone supporting documents. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: GA
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 to Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The credit Bureaus stated my account was properly investigated but how is that possible if the open inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX and 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
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax is refusing to allow my lender pull my credit for a pending mortgage, we are supposed to close in two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was preapproved for {$380000.00} for financing and explained to the loan officer or credit solutions advisor as his title states later told me he didn't want to do the financing for the multiple properties that I was in contract on. The person helping me at the location is named XXXX XXXX and in my 17 years of buying and selling real estate, I have never had such a bad experience. I can't even find a way to go to the location in person to complain because that branch is temporarily closed. I'm beyond upset and frustrated to say the least. I've requested updates and have not received any response.

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 2017-10-05
Company: U.S. BANCORP
State: OH
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:
US Bank sent me a letter letting me know that have made a business decision to forgive my debt and to let the consumer reporting agencies to remove the negative item off my credit report. I 've sent the letter to XXXX on XX/XX/2017 they have responded with the account was updated Not removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2017-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt collection on my credit report from XXXX XXXX XXXX worth {$500.00} and another XXXX XXXX XXXX XXXX. worth {$290.00} which I was not responsible for. I was involve in a incident where I was a Victim and needed medical attention due to this incident back in 2015.

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