BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
MONTH REPORTED : XX/XX/2020 AS A PAYMENT-BY-PHONE CUSTOMER, I CALLED ON XX/XX/2020 AT XXXX EASTERN TIME AND WAS PUT IN QUEUE WITH A CUSTOMER SERVICE REPRESENTATIVE WILL BE WITH YOU SHORTLY. 

I WAITED FOR TWO HOURS AND 16 MINUTES LISTENING TO THE RECORDING AS I HAD CALLED IN BEFORE CLOSING HOURS ON THAT DAY. 

I WORK FOR XXXX XXXX AND WE DO NOT GET PAID UNTIL THE END OF THE MONTH SO I MUST WAIT UNTIL MY PAYCHECK ENTERS MY ACCOUNT BEFORE CALLING INTO CAPITAL ONE. I HAVE BEEN DOING THIS FOR MANY MONTHS. 

BECAUSE OF A PROBLEM IN THE CAPITAL ONE PHONE SYSTEM CAPITAL ONE AUTO FINANCE REPORTED MY PAYMENT LATE AND MY CREDIT SCORE DROPPED 35 POINTS. 

I WOULD LIKE THIS DEROGATORY ENTRY REMOVED FROM MY CREDIT REPORT AND MY CREDIT SCORE RESTORED BECAUSE OF THIS OBVIOUS PROBLEM WITH THE CAPITAL ONE PHONE SYSTEM ON THE DATE STATED. 

MY SUPPORTING DOCUMENTATION IS THE SCREENSHOT OF THIS OCCURRENCE AND CHAT WITH CAPITAL ONE ASSISTANCE VIA XXXX. PLEASE NOTE, THEY TOOK DAYS TO REPLY WITH A SOLUTION. CHECK DATES ON ATTACHMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Sent an Ability to Benefit application to Navient on XX/XX/2020. Navient has not responded with a conclusion until this very date, and has not kept me inform of any updates or changes they may have done, besides a letter stating that they are investigating, which has been quite some time. The address of the school in question was included along with other documentation in the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We were originally supposed too close on XX/XX/XXXX, since then we've had multiple addendums for extensions. These extensions also cost me an additional {$2500.00}. All closing documents were signed on XX/XX/2020, yet Bank of America has yet to wore transfer the funds into the escrow account. According to the contract, FHA guidelines, and loan documents, this transfer should have taken place within 24 hours of signing. I have over {$20000.00} sitting in escrow, yet I still get a key to get into my home. All closing costs were paid. Please help! Bank of America is not answering my calls, and they keep giving all parties involved excuse after excuse with no definitive explanation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: EQUIFAX, 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:
Chase will you send me a copy of your Companies legal compliance procedures as to how you are suppose to legally note a credit report after conducting a proper investigation I know you failed to enter the remarks after reviewing the FTC website and The FDCPA youre marks should read consumer dispute meets FCRA requirements. 

If you look at Equifax report they entered the note correctly for their company policy and their company purpose only I open a dispute with them they noted the account consumer dispute reinvestigation in progress This does not apply to you I have to give Equifax credit for following the law and doing whats right! 
XXXX XXXX DO NOT show that any investigation have every been conducted by your company remove this for fcra violation The law requires you to enter consumer dispute meets FCRA requirements with in 30 days of a complete investigation send me proof that you fail to follow FDCPA which automatically put you in violation delete today

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2021-06-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts they do not belong to me tney are not mine and I will not be responsible for this!!!! 

XXXX  XXXX - Accounts # XXXX XXXX {$1000.00} Opened XX/XX/XXXX XXXX XXXX XXXX  - Account # XXXX XXXX {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX  - Account # XXXX {$0.00} Opened XX/XX/XXXX INQUIRIES Creditor Name : XXXX XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX  XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: PA
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 they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: BARCLAYS BANK DELAWARE
State: DC
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:
There are a series of issues but the main issue is that the credit card company ( Barclaycard XXXX XXXX Mastercard ) closed a dispute I filed due to the length of time that had passed from when the charge was posted. The reason for the length of time was two-fold : 1 ) When I originally called to file the dispute ( which can not be easily done online or by phone but rather must be faxed or mailed ), I was told to first attempt to resolve it with the merchant. I attempted several times to resolve with the merchant and ultimately when it was not resolved, returned to my credit card company to officially file the dispute. 
2 ) After taking over a month to review my case, I received a notification that the time a dispute could be filed had passed. 

I called the credit card company again letting them know that I had followed their instructions. They assured me they would look into it and reopen the case. After several more attempts to reach them, they have stopped responding to me regarding this issue.

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 2023-05-21
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: Old information reappears or never goes away

Complaint:
The Experian Company does not appear to have an accessable online customer service center or link to one. 
I could not reply to a false statement on their website about the status of My credit usage. 
My credit usage is XXXX because I am not employed at present. 
Yet the statement on the Experian website " says '' My usage is 395 % " and '' maybe I should apply for more credit. Which would be an obvious fraudulent approach.

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 2022-05-26
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Fraudulent account opened under my name using my social security number at Wells Fargo on XX/XX/XXXX. Forwarded emails to them same date. Responses without case number. Received letter in mail saying account closed on XX/XX/XXXX. Called their fraud team on XX/XX/XXXX, and they stated the account was still active but will now be closed.

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 2021-06-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/2016, someone without my knowledge or permission used my personal identity to get a mortgage loan in my name. I contacted EXPERIAN and XXXX several times to remove this fraudulent account from my credit file, as this is causing great stress in my everyday life. 

EXPERIAN and XXXX investigates this issue and always report to me that the fraudulent information is accurate and can not be removed. 

I have submitted several police reports to EXPERIAN and XXXX and they continue that the fraudulent information is accurate. 

This is my fifth time disputing this matter and I am the victim of identity theft. A California administrative judge have found that I have been a victim of identity theft, but for some reason EXPERIAN and XXXX refuses to delete this fraudulent account from my credit file. 

Attached with this dispute is ; Drivers License, US Passport, Birth Certificate, Utility Bill and Addresses for Two Years. 

Current address : XXXX XXXX XXXX XXXX, TX XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, TX 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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-07-08
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called Midland Funding LLC at least five times last month attempting to get a settlement figure on a debt from 2014. 
Their response each time was that they hadnt finished calculating the total debt which I interpreted to mean they wanted a blank check to attempt to get as much as they for a debt they likely paid pennies on the dollar for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Requested Experian to remove my credit freeze and to date they have not. Created an account on their website and it shows that their is no credit freeze. Applied for a credit card but was denied because they could not access my credit file on Experian.

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 2020-07-18
Company: Shellpoint Partners, LLC
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NewRez, is the company my complaint is directed towards. They have not paid my second Property Tax installment for the 2020 calendar year. They made a payment in the wrong amount to the XXXX of XXXX. Because it was the wrong amount the city never received it and has no record of the bill being paid. I received a letter in the mail informing me that the payment was due. I reached out via phone to new Rez and they assured me that it was paid. they showed me a page on the website where it showed a payment being made, the wrong amount. I have called them several times ( 5+ ) in the last week to get this fixed. I am told the department i need does not have a phone number and i need to email them to get it fixed. I have sent several emails again over 5 and i got a response saying it was paid. Which i then contacted the City of XXXX to confirm and they still assured me they have not received payment. I am in the process of refinancing and need this paid before the refinance is complete, or before the city puts a lien on my house for not paying my taxes.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
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: Information belongs to someone else

Complaint:
Please Help me with this situation. Someone has gotten hold of my Identity I Had to shut all of my Bank accounts Down Due to fraud I also notice that my Credit files Has accounts that I did Not Authorize i never open any of these Accounts This Is All due to 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 2017-12-15
Company: ENCORE CAPITAL GROUP INC.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The Debtor has an account on my credit report, I have disputed the debt with all 3 credit bureaus and they have failed to fully investigate. I recently received a letter from Debtor stating the everything is correct, but it is not. A judgment was made without my knowledge by a court or my permission, and I was not summond or notified, Nor did I sign or give this Debtor any permission at all to obtain any of my personal information. According to Fair Credit Act Law, a case has to be filed in the state where you reside, or, where you signed contract. while filing disputes with all 3 credit bureaus the Debtor has not provided my signature in wet ink which I asked for, for proof of debt or proof of permission to have in their possession my personal information. If it is on my credit report, they must provide proof of contract in wet ink, signed by me, and also proof I have givin them permission in wet ink, to obtain my personal information. They have not provided any documentation, which by federal law is fraud, for them having possession of my personal information, and making false, fraudulant, statements on my credit report without any possession of my signature in wet ink, or, permission with my signature stating, they have permission to have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have received official superior court document that a case was closed and balance cleared that is being reported to my XXXX and transunion credit report I have submitted this document to XXXX and Transunion numerous of times I even had the XXXX county court office speak to the credit companies telling them that the case is closed and should not be reported on his credit report but XXXX AND TRANSUNION keeps reporting the information as ACCURATE when it is not because the case is closed and refuses to remove it from my credit after I have provided substantial amount of evidence that it should not be on my credit reports and it has dropped my credit to atleast XXXX  points and is causing financial harm to me an my family

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 2022-08-13
Company: WELLS FARGO & COMPANY
State: TX
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:
Wells Fargo Bank NA
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX

ACCT PAID OFF. PLEASE REPORT THE ZERO BALANCE ASAP. 

THANK YOU 
XXXX XXXX XXXXXXXX

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 2023-05-25
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief