BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 keep getting hard inquires from capital one when I havent requested capital one y would I request credit thre days apart they are constantly putting a hard inquiry on my account when I am not applying

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see verifiable proof ( an original consumer Contract with my signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reached out to the Bureaus over 30 days and have yet to receive a response. 
This is inaccurate and should not be on 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 non-monetary relief
Consumer complaint received 2022-12-23
Company: Ocwen Financial Corporation
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was hit by a tornado on XX/XX/2022. I had received no insurance money and had to dip into my own annuity for XXXX which I was earning 4 % interest not to mention the taxes I paid for that withdrawal and drain my savings account to get the construction done for my house to be livable again. My insurance company went out of business, the insurance commissioner then turned it over to another insurance company who screwed the whole thing up so my insurance commissioner turned it over to another insurance company called XXXX XXXX. They treated me wonderfully. I did everything needed to get me my money reimbursed and sent the insurance checks to PHH mortgage in early XXXX. I received two checks from XXXX XXXX  with my name and my mortgage companys name which at that time was PHH mortgage. I signed the checks and sent them to PHH to be counter signed. They held onto it for about two months, and then sold my mortgage off to XXXX XXXX  along with my checks and everything that backed up my losses. I have begged XXXX XXXX  to release my checks and they continuously ask me for more and more information that has already been provided. They are holding up two checks of mine XXXX. One for XXXX - XXXX and the other for Other Structures - XXXX. They have drug this out for the three months theyve had my mortgage not to mention the time it was held up by my previous mortgage company ( PHH Mortgage ). I have recently been XXXX  with XXXX XXXX, and Im going through XXXX  and can not even afford my XXXX  bills. I took money out of my own pocket to pay for repairs which an insurance company should have handled without involving a mortgage company such as these two. I even spent money to get a document from my clerk of courts office in XXXX XXXX XXXX to show that I have no liens on my house only a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been reaching out to Gc services for a while, never get a response. 
XXXX {$530.00} Most recent letter sent. XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: PacWest Credit, LTD
State: OR
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:
I had emergency XXXX XXXX for a XXXX XXXX. I asked for a defered payment. Although no place on the contract is it stated that you have to pay 6 months for deferment, they said thats their policy and when I said I would be late, it was never mentioned that they would repo on first late payment. On top of that they refuse to understand that because my phone is unlisted I can not " Un block '' my number and they do not accept unidentified numbers '' I don't have a cell phone. I have no way to call them and they refuse to set up an arrangement by email. Some also not in the contract. A woman from their legal department belittled and badgered me and said I was " Making excuses '', mind you I have had to pour alot of money into this car and it only ran for 2 weeks since XX/XX/XXXX. The tires even were turned around so I couldn't see the gouges on the side walls of 3 of them, ball joints, control arms, struts, shocks, O2 sensors .... The list goes on and on and the car is an XXXX with very spendy parts. This woman from their legal department wouldn't let me respond to her abuse without threatening not to extend my time until I get my social security comes so they could just take the car I have poured so much money into. She WANTED ME TO BEG. I did because I have to keep the car. She wanted to show me she held all the cards and I do what she says or else. This was my only late payment. She treated me like garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Experian Information Solutions Inc.
State: TX
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 have had a XXXX XXXX  account reporting on my XXXX  Experian and XXXX   for a while now as a charge off status, Experian has reported it in XXXX and starting XX/XX/XXXX and has not updated since then, XXXX  has been reporting but has not been showing in payment history, XXXX last reported this account in XX/XX/XXXX collection. It is evident that XXXX XXXX is not only erroneously reporting this account on my personal credit profile but it is also not reporting information correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal. This should not be reported negatively. The documents provided will represent as such.

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 2023-06-12
Company: Upstart Holdings, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 XXXXXXXX, Upstart : # XXXX, Upstart : # XXXX, Upgrade : # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today XX/XX/2022 I attempted to remove a security freeze from *MY* experian credit report. This needs to happen because according to a credit union Im being denied bank accounts due to the freeze unless the freeze is removed in a few days. 
I called several time and was unable to reach an agent. The only option the robot offered was to send my personal information ( Copies of IDs and bank statements ) through the mail. That costs me money, time, and is slow and is extremely un-secure. They have a self service portal which wouldnt upload my copies and a freeze removal option which also doesnt work. And the phone number listed to get to an agent which is different from the main number just takes you back to the main robot. 
This is my personal information on my personal credit report. It should not be this hard to manage my personal information. Again if it was just a XXXX question fine but as I said earlier this is going to deny me a banking product and that seems really messed up.

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 2022-12-23
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I FILED A DISPUTE WITH XXXX, EQUIFAX, AND XXXX REGARDING THIS INCORRECT INFORMATION ( XXXX XXXX BANKRUPTCY, AND XXXX  XXXX ), ( DEPT OF EDUCATION ) ON MY CREDIT REPORT. I HAVE CONTACTED THE COURT THAT THEY CLAIM HAS VERIFIED THE INFORMATION AND THE COURT STATES THEY DO NOT REPORT ANY INFORMATION TO THE CREDIT BUREAUS. THEREFORE THIS INFORMATION IS BEING REPORTED ON MY REPORT WITH OUT MY CONSENT, THEREFORE THIS IS FRAUDULENT AND NEEDS TO BE REMOVED. PLEASE SEND A REVISED CREDIT REPORT WITH THESE ITEMS BEING DELTED AND MY CREDIT REPORT UPDATED. OR I WILL TAKE THESE MATTERS TO COURT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had made arrangements with a person on XXXX to rent a property over the XXXX weekend. I had traded several emails and a few text messages and I was to pay this person using the XXXX service from my bank. Unfortunately, the " owner '' turned out to be a scam artist and essentially got away with {$1000.00} of my money. I called my bank Wells Fargo immediately to try to re-coup the lost funds. Wells Fargo told me there was nothing they could do about it. 
I called the XXXX customer service line, eventually spoke to a live person. XXXX does NOT have a fraud department. I asked to escalate my problem, and they just transferred my call back to Wells Fargo! 
There is NO accountability on the part of XXXX nor Wells Fargo for this fraudulent act. I called the local police to report the incident.

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 2023-01-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 2023-02-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) 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 2021-01-14
Company: Atlanticus Services Corporation
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:
THERE ARE ACCOUNTS ON MY CREDIT REPORTS RTAHT DONT BELONG TO ME. THE ACCOUNTS ARE FROM : 1 ) FROTIVA MC/XXXX # XXXX 2 ) XXXX XXXX XXXX # XXXX 3 ) XXXX XXXX # XXXX 4 ) XXXX XXXX # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have had a XXXX XXXX account reporting on my XXXX, XXXX   and Transunion for a while now as a charge off status, XXXX has reported it in XX/XX/XXXX-XX/XX/XXXX and starting XX/XX/XXXX and has not updated since then, XXXX has been reporting but has not been showing in payment history, Transunion last reported this account in XX/XX/XXXX collection. It is evident that XXXX XXXX is not only erroneously reporting this account on my personal credit profile but it is also not reporting information correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal. This should not be reported negatively. The documents provided will represent as such.

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 2023-11-11
Company: JPMORGAN CHASE & CO.
State: NY
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:
I have no knowledge of these hard inquiry on my credit report and these hard inquiries are results of identify theft and it must be removed no later than 4 business day as per 15 U.S 1681 C-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09
Company: EQUIFAX, INC.
State: NC
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 notified me that they had checked into my complaint that a credit collection appeared in my Equifax report that was not mine. They found that it was mine after reinvestigating. The collection amount is XXXX. 

The collection was from XXXX  XXXX XXXX  now know as XXXX XXXX XXXX in XXXX, Florida. I live in XXXX, NC and have not been to this part of Florida in 25 years. The bill up for collection was for a XXXX XXXX born in XXXX. I was born in XXXX. I have never seen the XXXX Hospital or Dr. XXXX or the XXXX XXXX XXXX.. I found a number for XXXX XXXX XXXX online, they gave me the number for XXXX XXXX XXXX who does billing for XXXX XXXX XXXX  XXXX. 

I found out all of the above in less than 15 minutes on the phone. Equifax did not reinvestigate anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: ALLY FINANCIAL INC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Id ask Ally lending to send me a copy of the loan application they put in a request for the application according to Ally lending, that would take 7 to 10 days according to them when I got in touch with them after the 10 days they said that they didnt have that information

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 2023-06-13
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Hi- I went to Penfed CU on XX/XX/2023 to apply for an auto loan with my XXXX. The banker helping XXXX named XXXX asked a colleague named XXXX to help her. XXXX took my drivers license and made comments about my age multiple times in-front of my XXXX  and XXXX. She stated multiple times because I am young there may be a chance I will be denied. I am over XXXX. Unfortunately, I was denied and XXXX proceeded to state it is because of my age. I was discriminated against due to my age by XXXX at Penfed Credit Union.

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 2019-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened my Capital One account in XXXX of last year and since that time, have not made one late payment ; in fact, I have always paid early, and always paid well over the minimum payment amount due. I was shocked to see that after my most recent payment of {XXXX} which was well before the due date ... that my credit score had a significant drop, noting that that Capital One had closed my account. I called Capital One believing there must be an error, and was notified that it was due to return payments. These payments were a result of me using the Capital One App for payments and unfortunately, I switched bank accounts and inadvertently had a wrong number for my new bank account. When I saw the payment was not accepted, I thought perhaps it was the fault of the new bank, so I tried again, immediately, but it was again rejected. After calling my bank to determine it was not them rejecting, I double checked and realized I input the wrong bank account number in payment app & immediately fixed it. My payment cleared ; again before the due date and well above minimum payment amount. The App does not let me delete that incorrect bank info that I could tell, and this past month, I didn't catch that it defaulted to the one that was entered incorrectly, and slid the indicator to pay from what I assumed was the proper and most recently used bank account. As soon as I saw that the payment was rejected, I realized that the App defaulted to the incorrect bank account information and I resubmitted payment ; still well before the payment due date. I explained this to 5 people including 2 supervisors ; requested they reconsider the closure of the card, noting that they can review and see that this is exactly what happened and there's no dispute that I always pay early and above the amount. They indicated that these inadvertent bank issues resulted in me having 5 violations and thus, there is nothing they can do and I would have to reapply for credit. But I can not reapply for credit because their actions resulted in my credit score dropping significantly. They've harmed my livelihood and ability to get credit going forward all due to their closure for a short period of app issues, despite my stellar payments. I feel this closure is not in good faith and a review of my Card Agreement does not indicate that there closure of my account was justified. I do not believe a person that pays 100 % early and more than necessary is in violation of the Card Agreement, nor should they suffer the penalty of having my livelihood and ability to get credit going forward impacted. Add to it that my data was among those impacted by their breach, so they've caused harm to me in two manners.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
This is my multiple request ... The inquiries were not authorized and reported in my Equifax XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized and reported in my XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation