BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Last month my credit dropped nearly 146 points after XXXX incorrectly reported a damaging 120 days despite the two months before and after being paid as agreed. This is for a loan that was never used send money that was never taken for school. XXXX and TransUnion consumer reports disconnected information isn't it possible for me to bring residence finance I do anything else that could be available to me. Despite the fact that there's a pandemic and it goes fire and after were forgiven by the federal government 's XXXX continue to show 120 days late from growing

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 2019-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I am filing a complaint in order to escalate the dispute process. I am disputing a repossession as reported by Capital One Auto Finance, account # XXXX, opened XX/XX/XXXX, balance reported {$5300.00}, original loan balance {$17000.00}. The reason I am disputing this is because the data furnisher was grossly non-compliant with California statutes : Notice of Seizure Cal. Bus. & Prof. Code 7507.10, Inventory of Personal Effects Cal. Bus. & Prof. Code 7507.9, Notice Before the Sale Cal. Civ. Code 2983.2, Reinstating the Loan Cal. Civ. Code 2983.2. 2983.3, Redeeming the Vehicle Cal. Civ. Code 2983.2, Furthermore, I wrote Capital One Auto Finance directly on XX/XX/XXXX to demand that copies of the above notices be mailed to my home address within 14 days. They did not comply, I have received no such correspondence. This leads me to believe these notices never existed, along with the fact that I never received them. I also wrote XXXX and XXXX  directly, return receipt mail, to notify them that since Capital One was in gross non-compliance with the California statutes above, that they should update my credit reports for accuracy. They have failed to do so. This complaint is to address Capital One 's data furnishing negligence and willful misconduct. I am hoping that directly disputing Capital One 's data furnishing practices will be sufficient to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
on XX/XX/2020 I purchased a oven, stove, refrigerator, microwave, and dishwasher. Per my agreement I am to have these appliances delivered on XX/XX/2020. As of today my appliances have not been delivered. I reached out to Home Depot and the 3rd party service that was suppose to deliver these appliances. Home Depot delivery services claim that they tried to deliver the items however there was not a call placed nor did any driver try to make contact with me via ringing the doorbell. I called the delivery company and they advised me that they came back which is an absolute untruth. XXXX, from Home Depot delivery service then claimed that the drivers took pictures. I advised her to send me the pictures she wouldn't. As I continued to advise her that the drivers did not come by she was completely rude about it. I have paid {$4300.00} for these appliances to be delivered. I then asked XXXX for the name of the drivers she said she doesn ; t know although she was talking to them. I asked her what was the manager name she said she doesn't know ... the number that I spoke to XXXX on is XXXX. As I reviewed that phone number and complaints it seems as if Home Depot has done this alot. I just want my appliances as I have paid for them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: SYNCHRONY FINANCIAL
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 noticed that I have a hard credit inquire from your company on my XXXX XXXX  and XXXX XXXX credit file dated XX/XX/XXXXAs you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Email : 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 2019-03-13
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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX -XX/XX/XXXX 2. XXXX XXXX XXXX XXXX -XX/XX/XXXX This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Experian Information Solutions Inc.
State: MO
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 is a credit reporting outlet that get it information from credit reporting agencies XXXX, XXXX  and experian. The problem is they are reporting incorrect information about my credit from these agencies. They have that I owe {$5700.00} from XXXX XXXX XXXX and that I owe {$250.00} to XXXX XXXX XXXX. 

I owe XXXX XXXX XXXX and XXXX XXXX Nothing. My credit report should show both these accounts with a XXXX Balance Owed. 

I want an Investigation as to why XXXX XXXX keep reporting incorrect information. 

Waiting to hear from you. 

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 2019-03-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX, personal XX/XX/XXXX XXXX XXXX {$51000.00} {$51000.00} XXXX {$16000.00} 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 2020-02-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've disputed collections accounts regarding the collection agencies XXXX XXXX XXXX and XXXX  XXXX XXXX  with all 3 Bureaus XXXX, Experian and XXXX. According to my findings I see that there has been duplicate reporting and also the collection companies have participated in illegal re-aging the accounts. From my knowledge this is against the law and that they have committed a violation. I would like for them to remove these accounts from my report.

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 2017-12-20
Company: CITIBANK, N.A.
State: NC
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 made a few purchases at sears and were told a soft credit check will be made to see if I 'm approved for a sears card. Now my credit score is affected due to what turned out to be a hard inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX  2018 I transferred money from my Bank of America account to an account at XXXX XXXX. I was not aware that Bank of America was using XXXX, which is not insured in the way a typical bank transfer would be. There was no warning about the transfer and nothing to let me know it wasnt a secure transfer. The person I was transferring to was selling tickets and gave me all his information and seemed legit, even took a screen shot of the tickets and sent to me. Once I transferred the money he disappeared, never providing the tickets. I immediately contacted the bank assuming the transaction was secure and protected against fraud as my other transactions are. Bank of America agreed to contact XXXX but could not help ensure I get the money back and neither bank seemed able to help with this fraudulent situation.

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 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
My XXXX XXXX account was put into collections on XX/XX/2019. I have contacted XXXX and they have told me that i have never missed a  payment. It is impossible for me to make a late payment when my paychecks get garnished each pay period. XXXX have told me to do a dispute with XXXX. I have done so four times and they refuse to fix my report saying the information is accurate. I have even sent XXXX proof of payments along with a letter from XXXX stating i have never missed a payment. I have disputed this with XXXX the following dates and each one has said the information is accurate.XX/XX/2019XX/XX/2019XX/XX/2019XX/XX/2019I contacted XXXX on XX/XX/XXXX and they told me they let XXXX know multiple times that the information is incorrect. How does this go straight to collections without being notified of a 30/60/90 day late payment?

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 2021-01-27
Company: Elevate Recoveries, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Attempting to make contact about a bill from 2016 by phone only. Despite email being on file they have failed to send any information about this supposed debt that is almost outside of its 7 year statute of limitations. Was added to credit report just from contact by phone without first mailing anything to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: RoundPoint Mortgage Servicing LLC
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:
Roundpoint was negatively reporting on my VA Home Loan during a mishap of payment while XXXX  to XXXX XXXX   on XXXX XXXX XXXX. I disputed and then filed Ch XXXX   Bankruptcy including any debt owed to them. They transfered loan and claim there debt was valid. They are showing improper and illegal late fees and balances according to Service Members Civil Relief Act and the fact that I included them in Bankruptcy. Please delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX is listed on my account as a collection. I have no idea what this account is and need some validation. I have contacted this company several times via mail about this account. This account is incorrect and should not be listed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: TrueAccord Corp.
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:
On XX/XX/2018, I received an e-mail from " XXXX '' stating that I had an outstanding balance of {$4800.00}. The bottom of the e-mail stated that this was a communication from a debt collector. Being unfamiliar with this amount, this debt, or this debt collector, on XX/XX/2018, I responded, saying " I do not acknowledge that this debt is mine and take no responsibility for it. However, I'm willing to pay {$300.00} to have this account settled in full and deleted from my credit report. '' On XX/XX/XXXX, I received an e-mail from " XXXX '', acknowledging my dispute and stating that he would file a dispute formally for me. He stated that they would reach out to me soon after they received more information from " XXXX XXXX XXXX '', signed " XXXX XXXX, True Accord Engagement Team, with an address I later used to dispute the validity of this debt. 

This same day, I e-mailed XXXX XXXX XXXX contesting this debt and received the response : " Your account has been transferred to our partner company TrueAccord and they should be contacting you to assist in resolving your outstanding balance with XXXX XXXX. Your current balance is {$4800.00} We encourage you to work with them to resolve this outstanding balance. To do so, please contact them directly at XXXX or email them at XXXX. '' Considering that they no longer and collecting the debt, I don't understand how they can continue to report negatively on my credit. Legally, they can not. 

XX/XX/2018, I sent TrueAccord a request to validate this debt via XXXX certified mail ( tracking number available ). This letter was received by an individual on Monday, XX/XX/2018 to the address listed in the e-mail I was first sent ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA ). This would have brought the amount of disputes for this debt up to two. 

As of today XX/XX/XXXX, I still have not received any correspondence from TrueAccord regarding the validity of 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 2018-02-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I XXXX XXXX have a credit card with XXXX XXXX I have reached to them they have reached out XXXX XXXX about the fact I have an authorized use my husband XXXX XXXX on my card but I cant get them to report the fact he is an authorized user to his credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: EQUIFAX, INC.
State: WA
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:
My XXXX XXXX account was put into collections on XX/XX/2019. I have contacted XXXX and they have told me that i have never missed a  payment. It is impossible for me to make a late payment when my paychecks get garnished each pay period. XXXX have told me to do a dispute with XXXX. I have done so four times and they refuse to fix my report saying the information is accurate. I have even sent XXXX proof of payments along with a letter from XXXX stating i have never missed a payment. I have disputed this with XXXX the following dates and each one has said the information is accurate.XX/XX/2019XX/XX/2019XX/XX/2019XX/XX/2019I contacted XXXX on XX/XX/XXXX and they told me they let XXXX know multiple times that the information is incorrect. How does this go straight to collections without being notified of a 30/60/90 day late payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX at XXXX XXXX I made a call to the Tj Max credit card Hotline to elaborate my concern of why I owe $ XXXX.I was told the call will be recorded and the representative told me that my last name does not match with what she has in her files and that If I don't give the correct last name that she can not assist me further. I tried to explain that if my first and last name does not show in her account after giving my social security then that charged should be dropped or removed immediately from my record. I mention that I don't have my TJ Max card because its been so many years and I made a small purchased that was later paid in full therefore that's when the representative asked for my Social Security.She said sorry there is nothing I can do. I find this very unusual and looks like possible identity thief or scam as I do my best to pay off all my credit card bills and have good credit. 

this is what shows in my record : SYNCB/TJX COS DC {$210.00}

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 2017-08-03
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have both federal and private student loans -- all handled by Navient. When I pay my federal loans, I often make an overpayment for one of the loans online. When you overpay on a federal loan, the computer system asks how you would prefer the extra payment ( if it 's greater than 100 % of the amount due, i.e. if the payment is {$25.00} and you make a {$26.00} payment ). You can either 1 ) extend the due date of the loan or 2 ) make your next payment on time, which means the overpayment is applied to the principal of the loan. This is a great way for people to tackle their loans and decrease the life of the loan overall. When overpaying a private loan, you CAN choose to have the payment applied to the principal by NOT extending the due date, though you have to send in a physical check with a piece of paper detailing how you would like the payment applied. When you attempt to overpay your private loans online, the system ONLY gives you the option of extending the due date, meaning that the additional payment is applied to the bundled interest-principal payment. Not allowing borrowers to apply overpayments towards the principal line ( like one can when overpaying on federal loans ) makes it more difficult for borrowers to more quickly pay off their loans - extending the life of the loan and the amount of interest that borrow is playing.
Navient should allow borrowers to make overpayments for their private loans and apply those overpayments to the principal by not extending the due date of their payment.
Thank you!

Company response to consumer: Closed with explanation