BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-06
Company: Credit Associates, Inc. (MO)
State: NE
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:
In XXXX I had refinanced my car which included a {$440.00} addition to my loan to pay off a collection. The check was sent out and cashed. It was negotiated by my bank for a pay for delete. I have spoken to my bank and the check has been cashed over a month ago. I disputed online with XXXX  twice and included a copy of the check. The company has twice verified it as accurate. The company had already cashed the check. The debt has been paid off in its entirety. They collection agency has said it has t been paid when it has. My last dispute that was completed was XX/XX/20 and it was verified by XXXX  as not being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: AmeriHome Mortgage Company, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
AmeriHome Mortgage Company LLC failed to pay my homeowners insurance premium despite collecting the money from me in escrow. When alerted of the failure multiple times including by phone and escalating within the company, they have failed to resolve the situation, resulting in cancellation of the policy. A written request on their online portal has not yet been responded to, ever, after 22 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Tower Loan of Mississippi, 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:
In XXXX of 2023, I had my cell phone stolen, while in XXXX, Ohio. My check card was stored in my XXXX XXXX  and was compromised. My loan payment that was made to The Tower Loan was returned, due to the fraud on my checking account. I have enclosed a copy of the police report from the XXXX police department. I did speak with the Manager XXXX on Monday, XXXX XXXX at approximately XXXX, and he told me to pay XXXX dollars on the account and the late payment would be removed from my credit. I am giving the loan company 30 days to remove the late payment, or I am moving forward with bankruptcy. I am not going to held responsible for the negligence of someone else or have to wait 2 years to buy another house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I would like file a complaint with Barclaycard bank last week I made payment to the bank online as I always do however I made 2 payment on the same card so I placed a call to Barclaycard bank to see if I could get one of the two payment transferred but I went Thur XXXX to even make that happen and never did get the payment transfer so XXXX Barclaycard bank went and decreased my credit limited for no reason that is really really poor business im Trying all my heart to pay these XXXX up in full and not use there card again with take my business some place else if I didnt think I would ruin my credit I would pay them up in full and not even do business with them got alert on my credit report today they were very quick to report to the reporting agencies now I ask barclay I dont really give a rats XXXX about the descrease I have paid that card down to XXXX and XXXX bucks and will be payin that up here very very very soon but Barclaycard needs to report that that balance is not correct XXXX XXXX XXXX bank

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 2023-08-20
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-19
Company: Nelnet, Inc.
State: MN
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 got a student loan back in XXXX and withdrew from my classes with 1 semester and tried to re enroll the following term and had a outstanding balance of XXXX $ i wrote a heartfelt explanation letter to great lakes and asked them to allow me to re enroll and continue my studies but couldn't pay back the XXXX $ they demanded repaid before i could be put back into the student loan program and they denied me outright and told me i couldn't appeal ... and since then the balance grew to over XXXX $ from fees and i had it tarnish my credit report for years and years and could never get a loan or credit card because of it.. i still think to this day it's still on my report ... XXXX XXXX later!!! it came to my attention when i noticed it saying that it was only first sent to collections back in XXXX ... so they sat on the overdue bill for XXXX yrs XXXX   my credit score and only then XXXX later then sold it to a collection account company.. i have been severely XXXX by this and. we'd help ty

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: CA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and remove them immediately in my report : XXXX XXXX XXXX XXXXXXXX Date Open : XX/XX/ Balance : {$0.00}.

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 2023-08-20
Company: EQUIFAX, 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:
Complaint : ALLEGING UNPROVEN DAMAGING ENTRIES ; SEEKING ANNULMENT FOR NON-PERMISSIBLE PURPOSE. 
To Whom it may concern : According to The Ninth Circuit, in Pintos v. Pacific Creditors Association ( 9th Cir 2007 ) 504 F.3d 792 it decided that without a permissible purpose one is in violation of 15 U.S.C. Section 1681b. Based on this decision, it appears that your agency is in violation of furnishing a copy of my credit report to the below companies. 
As the court interpreted and based on has been done in my case, FACT clearly states that one only has a permissible purpose for obtaining a credit report under S 1681b ( a ) ( 3 ) ( A ) and when it is only in connection to a credit transaction in which a consumer has participated directly and voluntarily. I DID NOT DIRECTLY AND VOLUNTARILY SEEK CREDIT WITH THE FOLLOWING COMPANIES and they DID NOT HAVE A PERMISSIBLE PURPOSE. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  lam requesting Immediately deletion of the above inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX or XX/XX/XXXX, Equifax has blocked all reporting of authorized user accounts to my credit report. They deleted 5 open accounts that were never late. Although I am not primary card holder on the accounts, i have spent the last 3 years working hard to pay all cards and accounts on time for my husband, kids and myself. All of our cards are family authorized cards that I pay the bills on, I manage every penny on each one. We made a goal to build our credit, to obtain a mortgage. This has been three years in the making. We are now going through the home loan process and they have deleted ALL of my positive credit. This is horrific and we could lose out on our home that we have made a priority goal for three years. We opt to use authorized cards because as a family of XXXX, will college kids, it would be hard for me to maintain the accounts for everyone if there were so many individuals floating out there. This has helped to keep our payments in order. I have sompoken with each creditors requesting the accounts be reinserted on my report, they each tried and have come back with equifax is blocking/suppressing the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 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 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 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 2021-08-31
Company: CITIBANK, N.A.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the day of XX/XX/2021 wallet and phone was stolen along wit a friends old check i was waiting on a loan to go into my account. I was that i had money that was for the amount of loan. someone tryed to wire transfer money out so i sent it to my wife to where it would not get taken agin and now my account is closed and her account is having problems wallet had my ss card id and birth certifecate in it with my along with all my cards.

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 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been in the process of correcting the wrong and the effects of identity theft on myself for over a year and a half. Because of this, I have been very diligent in reviewing my credit file on a weekly basis. I received an alert from a credit monitoring service that I had new negative account reporting. Sure enough, there was a collection account reporting as XXXX XXXX in the amount of {$1400.00} for XXXX XXXX. I have never had XXXX XXXX and this account is not mine. After further review of my credit file, I also found several inquiries that I did not authorize that were fraudulent as well. I have submitted a complaint to the FTC and have a report of this.The fraudulent inquiries are XXXX XXXX XXXX XXXX twice, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX and 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 2019-11-05
Company: EQUIFAX, INC.
State: CO
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:
Equifax is incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: EQUIFAX, INC.
State: MA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Home Equity line of credit loan was taken out by myself over 14 years plus ago as of XX/XX/2019 BMO Harris decided to do a cancellation of debit and now the IRS was me to pay taxes. Never received a 1099-C form as I havent banked with BMO Harris in over 10 years. I have since had my home foreclosed on! Have no way of obtaining 1099-C and dont think its fair that after 14 + years BMO Harris is now able to say that the are doing a Cancellation of Debit on this loan

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 2019-06-11
Company: EQUIFAX, INC.
State: MS
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:
Credit bureaus failure to positively verify these accounts 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, you must remove the accounts listed below.. US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDUC XXXX, US DEPARTMENT OF EDUC XXXX, US DEPARTMENT OF EDUC XXXX, UNKNOWN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: CA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and remove them immediately in my report : XXXX XXXX XXXX XXXX Date Open : XX/XX/2015 Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I applied once for a pre approval & it denied me n gave me 2 hard pulls when they said it wouldn't affect my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: MD
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-01-29
Company: Experian Information Solutions Inc.
State: LA
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 submitted numerous letters to the credit reporting agencies. And have not received any documentation proving debt.

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 2019-11-05
Company: Certegy Holdings, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has never sent me their information. When a supervisor finally reach out to me. I was under the doctor 's car and i didnt write down her information correctly. This supervisor did inform me I would receive a refund, which I never received to date. Plus she did inform me that I would receive a paid in full letter. Plus the amount of fee ; s that I paid on this account. ALL I received from this company was a report of all the checks i have written. Nothing else. I called today spoke with two rude people one being XXXX Id # XXXX who refused to transfer me to a supervisor plus told me that she never saw that I spoke with anyone. Plus to say they are not a collection agency and she then would have a team member call me back. This is a horrible company that lies and refused to send me a paid letter of all my payments I paid. Plus refused to send me how much I have paid in fees. This is my 2nd complaint to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: SYNCHRONY FINANCIAL
State: CA
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: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SYNCB/XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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