BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-05
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: Public record information inaccurate

Complaint:
I've tried with no success having this account removed. They are reporting this bankruptcy account from a third party vendor and not the original Creditor and its unlawful for credit bureau 's to report an account from a third party vendor. I would like this account deleted from my file.

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 2021-05-05
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I've tried with no success having this account removed. They are reporting this bankruptcy account from a third party vendor and not the original Creditor and its unlawful for credit bureau 's to report an account from a third party vendor. I would like this account deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX dollar medical debt was reported on my credit which I paid in 2015 before I bought my house ( its showing paid right now as well ) and I was promised by debt collector company over the phone that I would get a deletion letter and it would be deleted .However it never happened .they never erased it from my report and when I called back they laughed at me and they were very rude and hung up on me .Now 5 years later Im trying to buy another house and its still hurting my credit and cant get the interest rate that I should .My lender wants it eliminated from my report as it would help me out .Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Happy Money, 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: Information belongs to someone else

Complaint:
Happy Money , Inc. is violating FCRA regulations by reporting fraudulent information on my credit. As per their request, I have sent them police reports, court documents & FTC affidavits documenting bona-fide ID Theft/ Fraud however they have failed to remove my account as other creditors involved have already done which has lowered my credit score by over 200 points.

Happy Money, Inc. can not provide proper validation that is required by federal and Texas state law in order to credit report. They can not provide me with any original credit application or signed loan contract with my original signature displaying that I borrowed money or applied to borrow from them which is a strict violation of FCRA. All they can provide is online documentation with a computer generated signature -- nothing that connects the debt to me legally by original signature as strictly required by Texas Finance code.

As per federal and state law credit reporting agencies must remove any information from a consumer credit report that can not be properly validated OR IS DEEMED FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a checking and savings account with the BBVA Compass Bank at the XXXX, Arizona branch on XXXX XX/XX/2020. 
This account was opened on a bank promotion which said {$100.00} checking account bonus and {$50.00} savings account bonus, upon opening the account within the given time frame and making qualified direct deposit. 
I completed these requirements within the stipulated time which was validated by bank officials through telephone conversation on XXXX XX/XX/2020. 
I was supposed to get my money by 1st week of XXXX but it was not credited. 
So on XXXX XX/XX/2020, I filed a compliant with the bank to escalate the issue but till date they keep procrastinating it by telling that they are still working on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
these accounts don't belong to me. please remove accounts : 1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX and Equifax is not willing to take out me as authorized user from the account that has been closed and charged off because the owner of the account has passed! i was authorized user for work relation for some periods of time before the owner passed! Both party XXXX and Equafax are aware I was only authorized user and I am not liable for that account, ,if I am not liable for the account why should this negative account show in my credit repot!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: NVR INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am scheduled to close on a mortgage for a new home on XX/XX/XXXX. I haven't received an updated Closing Disclosure since the beginning of the loan process and have requested it several times. Since the beginning of the loan, the closing date has changed ( causing per diem interest to be owed ) and the appraisal has been paid for out of pocket by me. In addition, the escrow amounts have been adjusted. I need to know if I'll have enough funds for closing and am concerned. My requests for a new CD since XX/XX/XXXX have not been fulfilled. Instead, the loan officer and loan processor continue to say that they are awaiting further details in order to provide a CD,  like the HOI. This is minor and a CD can and should still be provided based on all the other changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2018 at approximately XXXX. Received robocall from my XXXX area code ( caller ID was ( XXXX ) XXXX saying to press " XXXX '' to speak to agent regarding debt. Transferred to " XXXX '' claiming to be from XXXX XXXX XXXX in XXXX. Attempted to collect money for payment of a credit card with Citi bank that had been closed 6 years ago. Called number back and same woman answered with " hello '' and I asked questions such as " where are you located, why am I getting an XXXX number for a phone in XXXX '' and woman hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Gatestone & Co. International Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Gatestone and Co acting on behalf of XXXX XXXX has been contacting family members despite a resolved complaint to the CFPB on XX/XX/2020 where XXXX stated they would no longer contact at least one family member 's home and cell numbers. They have been doing so in breach of the FDCPA and TCPA by utilizing robocallers as well as spoofed telephone numbers such as XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 continue to try and resolve unauthorized inquires on my credit. I have reached out to transunion again as well as the credit companies. What are my next steps before I file a lawsuit against every party involved? for example XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX this information provided by transunion is incorrect. That number is for pest control. 
Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX this company can not verify any of my information to date!! 

Institution Information 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 C/O XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Can Transunion provide proof of verification that they have from these companies, since the companies are refusing to provide it? I also filed a complaint with the FTC. My next steps would be me and my attorney

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 2018-06-12
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was on an income driven repayment plan, based on my not working i didt have to pay anything. Then my recertification came up. I wasnt even sent a letter or aware that I needed to recertify it. After figuring out I did, i sent everything they asked only to be told I didnt check this box once then 30 days later I was told I didn't send in the right check stubs only to be told 30 days later I did. Got an apology and on they went. After calculating my husband 's income I now pay XXXX a month and have ever since they got it going again in XX/XX/XXXX. This is where my problem really begins. I was set up on auto pay and have made every single payment on time. Twice since XX/XX/XXXX I have been reported to the credit bureaus that my balance has increased 70 and my score has dropped over 100 points. I called to find out why. The first time they reported and dropped my score 72 points, They said it was because of the change in my payments. Well they just reported in XX/XX/XXXX again, that I have a 70 increase on my loan. Twice now. My score dropped 48 points this time. I called them to find out what I could do to stop this. They said they are showing no increase that I was wrong and refused to further help me. I called three times trying to get them to help me all they would tell me is send in a complaint and they'd respond in thirty days. I dont know what to do. I am making my payment they said to make, they said my loan is decreasing when I call, but they are reporting that it's going up. I am getting nowhere with them. My interest is at XXXX with them on a XXXX loan since XX/XX/XXXX. At this rate i might as well give up. I won't have any credit at all in two years time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted the companies, who placed the inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Due to a miscalculation, I had an unpaid balance of {$7.00} after I submitted my payment due for XXXX with Capital One. I had a pending refund and subtracted the wrong amount from my balance due. I was charged {$20.00} dollars in interest on my next bill. I then promptly paid my balance in full, an amount over {$1800.00} by XX/XX/XXXX, when payment was not due until XX/XX/XXXX. On my most recent statement I am once again being charged over {$15.00} dollars in interest with my next payment due on XX/XX/XXXX. I have spoken with Capital One representatives who state they can do nothing about the interest charged a second time even though the previous months significant balance was paid in full. I have worked diligently since XX/XX/XXXX to pay off my balance monthly with the exception of one balance in mid XXXX. To not allow a grace period or to take a look at the circumstances resulting in a small unpaid amount and then charging approximately $ 35+ in late fees for a consumer with excellent credit and a long history with the company is an indicator of poor and unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Risecredit, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received a pre-approved offer from this bank which lied about the APR. They told me what the rate would be, and it is way higher than Illinois ' 26 % APR. I never authorized the hard inquiry and did not accept any loan from them. They have been spamming my email and I had to block them. 

I have called Rise and they said there was nothing they could do. I would like them to remove their hard inquiry from my report since they were dishonest about the rates and did do a credit check before telling me their rates. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Marcus by Goldman Sachs are verifying my identity with a vendor who uses public and private information. They are declining me when verifying my identity. They are REFUSING to disclose which agency or contact they are using and are refusing to take other efforts to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Diversified Consultants, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved at the end of XX/XX/XXXX and cancelled my service with XXXX XXXX. They continued to bill me for service at my new address. I had many calls with them during XX/XX/XXXX and XX/XX/XXXXto get this corrected. They did send me a gift card for one month of over billing but continued to dispute the other. On the last call, ( I have the date at home ) We agreed that they would partially credit my account and that I would pay {$55.00}. I told them I would pay this as soon as I received my gift card, and I did. Payment was deposited by them on XX/XX/18 and cleared my bank on XX/XX/18. They sent me to collections. I contacted the collections agency and sent them a copy of the front and back of my check to provide to XXXX XXXX. Yesterday, I was told they did not accept my proof of payment, the debt is still owed and they will continue to come after me for the money. I spoke with an attorney this morning and this is in violation of the Fair Debt Collections Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX/2019 I am writing to file a complaint regarding violations of the FDCPA by Tower Loan, XXXX XXXX XXXX, XXXX XXXX, XXXX, La. XXXX towards my rights by committing the following acts : 1. Tower Loan has repeatedly publicized my debt by calling my job, multiple times daily, even when I have spoken to them on my work landline and verbalize for them not to call my job, we can not have personal phone calls. I have even answered, spoke with tower Loan and hung up on the person after saying I cant talk Im at work and they would call back immediately ( XXXX XXXX ). 
Tower Loan employees call my job so much until the receptionist would get upset and tell them Im busy, then notify me verbally they called again.

2. Tower Loan employees have repeatedly publicized my debt to family and friends by calling them stating I need to call Tower Loan.

3. You can see in one of the emails from the receptionist Tower Loan revealed themselves as a debt collector. ( XXXX ) 4. You can see on XX/XX/2019 I received back to back phone calls from Tower Loan- HARASSEMENT. 
5. On XX/XX/2019, the lady in the white car, as shown in the attachments, shows up to my home hand delivered a letter to my husband for me, with the words FINAL NOTICE!!! Written on the envelope in Red.

6. On XX/XX/2019, after multiple back to back phone calls, an employee of tower Loan came to my house as recorded on my home monitoring system, beating on my front door for over a minute, until I finally answered the side door. I recorded him and our conversation on my cell letting him know I was recording him, he would not leave even after I asked him to leave my home. 
When I closed my door to lock it, he begin beating on my glass door very hard.

I call 911.

I opened the door and informed him I had called the police. 
As shown on screenshots from home monitoring system he left at XXXX only to return back in my driveway at XXXX, staying until XXXX. 
Then another employee, XXXX, shows up at my house at XXXX, see attached screenshot. Finally the sheriff arrived at XXXX, after hearing my complaint and asking Tower Loan employees to leave my home, sheriff walks behind him getting him to leave at XXXX. 
The sheriff stayed until XXXX I have been harassed repeatedly by Tower Loan employees. 

My last payment was on XX/XX/19 for {$140.00}. 
I got behind because of State tax garnishment. 
When I called to make a payment XX/XX/2019 XXXX said XXXX is off and I cant accept your payment because he added court cost. 
Thats the second time I was threatened about court and garnishment by tower Loan.

I have video recordings of conversations with both employees who showed up uninvited and unwelcome to my home XX/XX/2019 which are too large to attach. 
My rights have been violated. I want compensation.

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 2019-11-15
Company: Experian Information Solutions 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:
FRAUDULENT ACCOUNTS HAVE BEEN OPENED IN MY NAME WITHOUT MY PERMISSION OR KNOWLEDGE. MY INFORMATION MAY HAVE BEEN INVOLVED IN A BREACH BECAUSE I HAVE NOT APPLIED FOR A NY CREDIT OR OPENED ANY NEW ACCOUNTS

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 2021-02-02
Company: NATIONS DIRECT MORTGAGE, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an escrow account for Homeowner 's insurance and property taxes. I discovered that they never paid my renewal to my homeowners and missed the due date for the installment of my property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: EQUIFAX, 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 don't know anything about this account and would like if you can send me any type of proof or information which shows that I owe this money and who I owe it to? I want you to mark these account as disputed because I do not know anything about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Experian Information Solutions Inc.
State: NV
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 have a car loan with XXXX XXXX. On or about XX/XX/XXXX, I realized I would be late with my car payment as my business has gone under due to Covid. I called XXXX and told them my situation and asked if I could defer the payment. I was told I would have to pay {$840.00} by the XXXX of XXXX in order to get that deferral. They sent me a letter stating such. On XX/XX/XXXX, I sent the required payment, transferred from my bank account. XXXX XXXX reported my account delinquent to Experian and XXXX. I called XXXX and they said they would leave a note for their supervisor, but I should go ahead and dispute with the credit reporting companies. I disputed with experian and XXXX. 

Today, the results came back from experian, and it says after their investigation, they found it factual, however, now it says my payment was late and not only that it says my next payment is late. Today is XXXX XXXX. My payment is not due until XXXX XXXX, I paid them 10 days ago. Although it is not even my due date it has also been reported as late. 

My credit has taken a 75 point hit due to this. I have always had an exceptional payment history and now without income and trying to keep all my accounts up to date, this credit hit is keeping me from being able to advance.

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