BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to BK OF AMER XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.

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 2023-02-05
Company: EQUIFAX, INC.
State: SC
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 ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
PayPal keeps closing this case for a merchant who is making illegal items AND I have not / will not be receiving anything of what I have ordered as the order was cancelled. Paypal has not shown any response from the merchant. Paypal is essentially allowing the merchant to keep my money while delivering no products, and PayPal is providing no response to me ( the consumer ) as to why this is happening - despite guaranteeing a refund to me via telephone on XX/XX/2020. 
Case details Seller information XXXX XXXX XXXX 
XXXX Transaction amount {$130.00} USD Transaction ID XXXX Invoice ID XXXX Date reported XX/XX/2020 Your notes XXXX XXXX XXXX is blatantly violating copyrights and I have asked to cancel my order. I have reason to believe they will not respond. 
Your responses Date added XX/XX/2020 Your notes Why does PayPal keep closing this case for a merchant who is making illegal items AND I have not / will not be receiving anything of what I have ordered, and I do not want to do business with this merchant for all the aforementioned reasons? You have not showed any response from the merchant. The merchant is essentially keeping my money and delivering no products. If PayPal can not resolve this immediately, I am going to have my attorney get involved and I will be filing a CFPB complaint against PayPal. 
Date added XX/XX/2020 Your notes Please see the three attachments and contact me directly if you have any questions. I received no notice when you closed the dispute and I dont see  any response from the seller. I did not receive anything from the seller and I deserve a full refund, as I do not want to purchase illegal counterfeit items. 
File XXXX XXXX XXXX Your conversation with the seller You XXXX  XXXX XXXX is blatantly violating copyrights and I have asked to cancel my order. I have reason to believe they will not respond. 
XX/XX/2020 at XXXX XXXX  PST

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 monetary relief
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed ... DEPTEDXXXX 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 2019-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I first reported the fraudulent activity to CapitalOne XXXX XX/XX/2019. Two fraudulent transactions took place XXXX XX/XX/2019 ( {$2500.00} ) posted to my account XXXX XX/XX/2019, and XXXX XX/XX/2019 ( {$2400.00} ) posted to my account XXXX XX/XX/2019 for a total of {$4900.00} ( excluding finance and other charges ). Upon noticing the fraudulent charges I immediately froze my account with CapitalOne, and have since closed the account and filed a police report with the City of XXXX Police Department. I have also registered for fraud alerts with both XXXX and XXXX, and have at my own expense, signed up for a credit monitoring/fraud alert service. To date, from XXXX XXXX, after several phone calls and several documents provided, CapitalOne has not corrected the fraudulent transactions and the finance and other charges related to the fraudulent amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-10-03
Company: Sunlight Financial LLC
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I'm trying to get a home equity loan. My bank is approved for the loan but my solar company Sunlight Financial won't release the loan which on their agreement is not clearly defined the homeowner can't refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: Phoenix Financial Services LLC
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
While working on a mortgage, I was notified by my bank that my credit score was being impacted by a medical bill debt. Upon contacting XXXX XXXX XXXX they provided me with details about the debt. It was from a charge stemming from someone with a different name and address who used my social security number. I filed a notice on Identitytheft.gov and sent them a certified letter disputing the debt on XX/XX/2019. Rather than addressing this issue the company then sold my debt to Phoenix Financial services who is now trying to get payment for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Since XXXX I have attempted to contact FedLoan regarding my accounts that are now showing to be in dispute. These remarks were previously removed and now are showing as disputed again. I am trying to qualify for a mortgage and this verbiage is preventing me from qualifying. I can not reach anyone by phone. I sent an email on XXXX that has gone unanswered. I need to have the disputes removed from all of my fedloan accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-29
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I attempted to pay in full my debt from an old apartment that I had left and did not receive a final bill, because the office personal gave me a wrong move out date, a month prior to the actual move out time. I later saw the debt showed up on my credit report without any bill received to date from the Apartment complex. Multiple attempts to pay this debt in full have proved futile. The manager of Pro Collect refused the money order of the full amount on XX/XX/XXXX, and also XX/XX/XXXX. When I hand delivered on both occasion the full amount of XXXX on a money order, he refused the amount and threated me stating, " I am calling Fountains of wood meadow right now and tell them not to accept the payment from you ''. I tried to explain to him that I never got a bill from the apartment people, and I don't think it is fair to me, hence the money order was drafted in The Apartment complex name. The Debt Collector at Pro Collect, went on further to state, '' by the way you have owed this debt too long, and I wont make any money off it '' He refused the money order of the {$570.00}, told me I needed to pay him. I further explained I needed to obtain a home, and because of this I have been rejected multiple times. Currently they have been re-aging the account on my credit report. The date reflected currently is XX/XX/XXXX, when the debt was incurred XX/XX/XXXX, 4 years ago. I had to notify Pro Collect not to Contact me, due to the enormous phone call volume in the past.

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 2019-11-14
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My FICO score dropped by 29 point and the credit bureau can not give me specific information as to why and will not let me know what calculations they used to determine my score. My score also dropped and keeps dropping with Equifax and XXXXI used the score simulator offered by XXXX   and paid down my card, paid off my auto loan and a few of my creditors actually increased my credit limits but my score still dropped. The credit reporting agencies keep giving me the run around and can not explain or show any real proof as to why me score dropped. Please help me get " factual data '' as to why my score dropped when i am doing the right thing. I need someone to help us consumers whose lives are being ruined by these credit bureaus w/o any explanation. I disputed anything that was potentially incorrect or negative on my reports but " There is no option to dispute my actual credit score or changes to my credit score '' with any of the major credit bureaus. 
I believe the credit bureaus are intentionally lowering scores to " force '' individuals to take out consolidation loans or open new accounts thinking it will increase their credit while the credit bureaus are getting some form of kickbacks. I get emails/ alerts everyday to open new account or sign up for services such as XXXX XXXX  and believe I am being penalized for not taking the action they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2023 city of XXXX XXXX approved me for {$20000.00} mortgage assistance. They said in order to get the funds my mortgage company Cardinal Financial would have to complete a vendor form, w9 and direct deposit form. I made contact with Cardinal 30 times thus far about forms being completed and as of today the forms are not completed and i feel like Cardinal Financial is refusing payment on the account while money and funds are being exhausted with the city of XXXX XXXX and if they dont recieve infomation i will loose the money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX/XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX/XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Credit Karma, LLC
State: IN
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 recently recieved a report from experian stating my report had been " fixed '' i dont know how i couldnt get info needed over phone and wasnt able yet to send verifacation requested to obtain needed info. It has address still never resided at phone number dont recognize im puzzled how they " fixed problem '' without input or " info '' from me dont know who provided or " corrected info. Its not corrected and i will try contact experian but will also mail disputes. Very odd and also Credit Karma had account opened XX/XX/2020 with email not mine credit checks ran monthly sometines several times got still getting XXXX XXXXXXXX " pre '' approved offers dont want but lost access to email trying to resolve with credit karma and find out who opened account with my name but not my email. Been ill hospital etc but also documents stolen etc reported police. Been over year since ordering reports id theft tax returns personal docs stolen out vehicle. Discoved recently key copy made im pretty certain without permission. Phone XXXX multiple and ongoing dispute false accusations no security personal devices admint retail demo developer call redirect no help resolving XXXX or XXXX gotten worse. But will contact credit Karma again new email and XXXX on how or who provided " corrected info '' or verification to " fix report not fixed and very bizarre. My id theft reports after filing and cybercrime fbi etc before gettingbanswers email phone charge jacks burnt up etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XXXX XXXX I bought car XXXX XXXX spark for XXXX purchase price XXXX owner myself previous owner XXXX XXXX XXXX holder credit acceptance lien holders are in place when there is ownership of the car loans are taken out fairly loans are cash agreements you have to pay back so there is a lien for some reason the car is paid for and I know the title I have is me memorandum title is given to you from the actual title being sold for some type of collateral like a loan but since the cash price or purchase price is there I think that they say there was a financed part but that added money to the car price so they charged like 18,000 more and I'm not even into head about XXXX $ being the payment and I'm nowhere near paying for it its like they slowed time down the car has been a problem I got it because of the things I was waiting for the lawsuit social security told me about the way its going its been 4 years and they still hav n't distributed the money it was already a closed case in XXXX but I can't get straight answers people have been trying to steal evidence that it existed told me over the phone over the years from some they don't know then Ill leave voice mail an never get a response but it seems like I'm put in a situation that the lien holder/ loan place which I'm noticing wants all the money but lien like if I didn't have the money to file bankruptcy like is on my credit report its unfair because it is but its reported I bought the car for a certain price or financed it that's there but the confusing part is the purchase price being noted on the title and sales tax like that's some kind of weird thing I own it, but the exit for the car dealership does not exist the dealership doesn't exist and only the license bureau knows something they gave me hard plates off a memorandum title but they don't know the problem I'm having because its not loan max or some other title loan place

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation