BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-06
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:
After I reviewed my credit report, i notice that capital one has an late payment on my credit report XX/XX/2020. I write to the " person '' in regards to having that late payment removed from my report. Capital One return a response letter informing me that they were unable to remove the late payment. I contacted then on numerous time to speak with someone about my account but they would not assist me at all. I had inform them that congress tell us in 15USC1681a 2a1 that report containing information solely as to transactions or experiences between the consumer and the person making the report. Where does late payments come from? All I'm asking is for them to remove the late payment from my credit report and update my credit report, knowing that this is a congress law and I'm fighting for my consumer rights they are breaking the law and I would like them investigated. As a result I requesting for all negative items removes from my capital one account and mu credit report to updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAINE WEINER is claiming that I owe them {$550.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: EQUIFAX, 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:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX XXXX  Balance {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. I also have attached letter from XXXX removing me from debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Access Receivables of NC Inc.
State: GA
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 sent this company several letters asking them to verify the debt they claim that I owe. I have yet to get a response back from this company. I have attached the letters sent to this company. This company is in clear violation of 15 USC 1692g Sec. 809 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: EQUIFAX, INC.
State: NV
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 a victim of identity theft 2 years ago. I am disputing this account with XXXX XXXX  this should have never been reported to my credit reports. XXXX XXXX/ XXXX XXXX. This account is under my ss # but a females name? How did this happened? Where is the I.D .? Why do the credit bureaus need 30 days for something that's not legit .Please remove asap. XXXX XXXX / XXXX XXXX  was paid with creditor XXXX XXXX  on XX/XX/2018Please update and remove. XXXX  and Equifax have fraudulent inquiries that were not authorized by me.

XXXX XXXX XXXX XXXX XXXX  ( XXXX alabama ) XXXX XXXX   2x XXXX XXXX XXXX ( alabama ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
XXXX  deleted 4 fraudulent capital one  inquiries from my credit report but they left 5 fraudulent inquiries on my credit report. 

No consumer in their right mind applies for credit from the same company this many times. It does not make sense a blind man can see that these inquiries were not done by me. 

Capital One told the CFPB that some are fraudulent. 

XXXX has been stating that these inquiries were verified for months. 

I asked capital one and XXXX for the paper, electronic and audible proof that I initiated these inquires and they both have failed to provide me the documents that they are using to authenticate these inquiries. 

How did the pick and choose which inquiries to keep and which ones to remove?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: American First Finance, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Visited a furniture store looking for bed railings only. Salesman said can get new bed easily apply for credit. I applied and was approved XXXX/XXXX/XXXX for XXXX. I looked through catalog and every bed was too much and he has no idea when I would receive. I liked one bed but he said it was n't in stock and he would call me when it was. Then I started getting calls about a payment coming off my debit card for XXXX/XXXX/XXXX. I only purchased railings from him and told him to call me when gets bed. Never received a call just letters and calls from finance company saying I need to pay. I called the company who said I need to go sign the contract again to change the date. I explained I never signed a contract ever nor do I have any merchandise. A supervisor said they would contact the furniture store and callback on XXXX/XXXX/XXXX. No call was returned. I called on XXXX/XXXX/XXXX only to be put on hold for 30 minutes no resolution. I hung up.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I began monitoring my credit in XXXX, after the experian leak and other issues, so trying to rebuild my credit. on XX/XX/XXXX, I made a dispute with Experian noting some addresses that were no longer associated with me. I have no outstanding debts or other reports from those addresses so I wanted them removed. I reported them and asked that they be deleted because they are not my address, and I noticed today that they are still listed. The report of my dispute just says they were updated.

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 2019-02-17
Company: General Motors Financial Company, Inc.
State: NJ
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:
My credit was used without my permission. This was fraud committed by XXXX XXXX XXXX XXXX XXXX XXXX. I did not purchase a car from this car dealership. The dat was XX/XX/2019. The reference number is XXXX. The loan company is GM Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
As an initial matter, this IS NOT a duplicate complaint, nor should it be treated as a duplicate complaint. If it is treated as a duplicate complaint, it will be submitted over and over and over again, until Citibank decides to address it, and if it can not be addressed by Citibank on this forum, then it will be FORCED to address this matter in COURT ...

In any event, pursuant to page 28 of the Citibank Client Manual, I notified Citibank, in writing, that I do not agree that Citibank may pay or reject any check which is presented to Citibank for payment more than six months after its date ( a stale-dated check ), on any of my checking accounts, even if the presentment occurs after the expiration of a stop payment order. Further, I also notified Citibank, in writing, that I do not agree that Citibank is not required to identify stale dated checks or to seek my permission to pay them. To the contrary, I notified Citibank, in writing, that it may not pay but shall reject any check which is presented to Citibank for payment more six months after its date ( a stale-dated check ), on any of my checking accounts, including, but more specifically, the checking account ending in XXXX. 

Citibank was specifically instructed to identify any stale dated check or seek my written permission to pay any stale dated check. Citibank was advised that if it failed to follow the above specific directive or instructions, that it shall be liable for the face value of the stale dated check including, but not limited to, any damages and attorney fees incurred. Citibank was on notice that this shall supersede any and all terms purportedly agreed to or contained on page 28 of the Citibank Client Manual.

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 2020-11-12
Company: Consumer Collection Management. Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I Have received repeated threatening, and harassing phone calls all day and night from Consumer Collections Management. As well as calling, and hanging up on me and my family. The company Consumer Collections Management claimed I owe XXXX that I do not owe from any Rental company I never rented with. I have no connections with or any financial obligations or business regarding any outstanding Debt with anyone or this company. Consumer Collections Management has also continued to threaten me, and my family saying if I don't pay this unknown debt collection amount they will place it in my credit report. I will not be paying this unknown 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 2020-11-12
Company: I.C. System, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received my first letter from this company just a few weeks ago. Since then they have called me and made sure to flag my credit report on a weekly basis as a collection account. I have several issues with this collection account. 

1. ) It appears that they are not licensed to collect in Iowa. Please see attached.

2. ) Their aggressive tactics.

3. ) I have never signed anything or agreed to do business with this company.

4. ) They show an incorrect/incomplete account number so there is no way to verify that it is mine.

5. ) They show it as a collection account with a balance. My understanding is that collection accounts are not supposed to show a balance. 

To my knowledge, all of the above issues are violations of the FCRA and I would like them to immediately stop trying to collect from me and to remove their collection account from my credit reports.

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 2020-11-12
Company: CBC Companies, 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:
XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: EQUIFAX, INC.
State: VA
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:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Bank of America added {$1700.00} on my Escrow account which has nothing to do with them. I pay my escrow through my primary mortgage. I have tried many times to find out why this happened with many unsuccessful attempts. Ive called many times and have been refused to speak with anyone in the Escrow analysis department nor have I received any explanation on why this happened. I have sent messages with no response. The messages were sent back and acknowledged on the XXXX of XXXX, 2020, yet still no response. Ive been given a forbearance until the end of XXXX for a payment arrangement but however still no response or explanation on why the escrow amount that was charged to my account. Ive have told them many times this gets paid through primary mortgage. Ive spoken with my primary mortgage and theyve heard nothing from Bank of America regarding this matter. I would like to know how legally Bank of America can put charges on my account that arent mine and inflate my now due. Please help.

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 2019-01-14
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX, Navient reported me as 30, 60, and 90 days late on my account. I filed for a loan consolidation and a repayment plan. I have submitted my paperwork approximately 5 times now, but every time I turn around, they say the never received the paperwork and that I'm hundreds of dollars behind on my account. 

They either put my account in forbearance or deferment instead of getting me on an affordable payment plan. At this point, I'll never be able to repay all of my loans because of the interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
33 pages were sent at one time including full bank statements Things ended with XXXX when house went to auction. 
So i went back to Wells Fargo and have talked a lot with XXXX XXXX. 
I got a call and did not get to it in time. 
I got a message from XXXX and XXXX Wells Fargo lawyer that i had to move by XX/XX/XXXX but no notice by mail. 
I am XXXX and can not just move in 2 weeks.

I need 30 to 45 days as i have to live on first floor. I want 2-3 bedrooms as my son is living with me as he has no job but looking.

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 2021-11-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account was a secure card when I lost my job, I advise the company to forfeited my deposit which equals the amount of the account, they have been reporting on Experian as a charge-off and late payment which is incorrect. Experian has refused to update this account. I contacted the furnished XXXX XXXXwhich has indicated that they fix the issue however, Experian has failed to fix

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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 submitted documentation including a FTC report ID number along w/documents verifying my identity. I encourage you to take the time to actually look at this time instead of blowing me off with a generic response that does nothing but try to make the consumer look like an XXXX XXXX. This is now my third time trying to resolve this issue with you, Transunion. Once w/you directly an twice now through CFPB. I strongly advise you to take action this time so we are not forced to escalate this matter further. You are essentially harassing a victim and tossing their pain and suffering as a result of ID theft to the wind. Probably not a pretty picture to be painted for your image

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