BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
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:
Hi I am submitting this 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 719XXXX has me at a score around 590. 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 is missing that should be on the report

Complaint:
I have a mortgage with Bank of America that was modified on XX/XX/2018 after a chapter XXXX bankruptcy was discharged inXX/XX/2018. The mortgage was discharged for a little over $ XXXX and now my mortgage is {$210000.00} and I have been making monthly payments since XX/XX/2018, in the amount of {$1600.00}. None of this is reported to the credit agency. My account is listed as closed. I am paying a mortgage every month and I have a balance now greater than my original. I may not be liable to pay this bill but I do and the bank should be reporting the new amount balance and payments. I can't refinance a loan that looks to be closed. I can't repair my credit if the payments I make go unreported. I am in a very dangerous situation that if these payments are not made the bank takes the house, but I pay and I get no credit for having a mortgage or paying it. It does not help my credit get re-established and it looks as if I don't have a mortgage when I do. This is unfair business practice. I need the loan to be reported on my credit report. Nothing prevents the bank from reporting my loan and on-time payments. They just can't report anything negative. The debt owed on this reported closed account is paid monthly and it should be reflected on my credit report that the account is active and in good status. My payments should be reported to my credit agencies. Bank of America said they will never report my payments to the credit report for the life of this loan. This is an unfair business practice. They should change the account number just as other companies did after my bankruptcy to allow for reporting. I should not be a slave for a mortgage company and can't refinance or get credit for the payments I am making and have been making since XX/XX/2018.

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 2021-07-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX which is a subsidiary of Experian Credit Bureau refused to remove an erroneous entry on my XXXX XXXX XXXX XXXX History Report. Case # XXXX. According to them ( and only them ) my odometer " might '' have been rolled back in XXXX of XXXX according to some unidentified " auction house '' notation at XXXX miles. The dealer I bought the car from gave me a XXXX report at the time which had no such notification, and the current XXXX reports do not have it either. This is obviously an clerical error that is adversely impacting my being able to sell the car, and needs to be removed.

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 2022-08-16
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Experian violated 15 usc 1681 A section 1 & 2 By furnishing and reporting Accounts without my consent I have a right to privacy I want the following accounts deleted now. 
XXXX XXXX XXXX XXXX ACCOUNT # XXXX. XXXX $ XXXX XXXX XXXX ACCOUNT # XXXX. XXXX $ XXXX. XXXX XXXX ACCOUNT # XXXX. XXXX $ XXXX violated 15 usc 1681 A section 1 & 2 By furnishing and reporting Accounts without my consent I have a right to privacy I want the following accounts deleted now. 
XXXX XXXX XXXX XXXX  ACCOUNT # XXXX. XXXX $ XXXX XXXX XXXX  ACCOUNT # 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 2021-04-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm filing a complaint against XXXXXX/XX/XXXXfor the second time. My first complaint was resolved by the company after they attempted to falsely mark my account as delinquent on my credit reports and charge me for fees that they actually owed me because this deposit was what I used to open the account, which was fraudulently used multiple times despite the fact that I had never received a credit card in my hand since I opened it in XX/XX/2020. 

The credit card company refunded me {$200.00} last month and removed all false marks from all three credit bureaus, but my account has now been placed in delinquent status as of XX/XX/XXXX for missing four payments, which is yet another false claim made by the bank. This is completely unacceptable and unlawful ; I feel financially victimized by the credit card company, and I am not alone ; multiple people have had reported similar experiences with the 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 non-monetary relief
Consumer complaint received 2019-03-14
Company: KEYCORP
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On Thursday, XX/XX/2019 I deposited about {$800.00} cash & check into an ATM for my bank ( Key Bank ) at around XXXX XXXX. I understand that it normally takes some time for deposits to go through. Over the weekend I made 4 purchases using my paypal which is linked to my checking account understanding that the charge would take place after my money was added to my checking account. On XX/XX/XXXX I reviewed my account to see that on the XX/XX/XXXX all of the transactions went through at XXXX, including the deposit, however Key Bank decided to process the withdrawals before the deposit ( even though they all released at the same time ) and charged me 4 overdraft fees, one for  each individual purchase, at {$37.00} each for a total of {$140.00}. They then applied my deposit and subtracted the {$140.00}. 

I went in to dispute this on XX/XX/XXXX and I was told that's just the way it's going to be but that they could reverse one of those overdraft charges. This was through a teller at the front, and even though she offered for me to speak with the manager, the manager refused to see me. I feel like it was unfair for them to process the charges before the deposit so they could charge me an exorbitant overdraft fee despite the fact that all the transactions went through at the same time, and that I should have been able to get all 4 overdraft fees reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is not mine to pay. Even with this, I am under no obligation. I've already contested this account, and you haven't shown any documentation to support your claim. Not me, please. This is false information that could harm my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Since XX/XX/XXXX to XX/XX/XXXX accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  has not been investigated. This is ridiculous at this point, I know that this has not been done because the update status has not changed. Please delete this from my credit profile immediately due to the bureaus direct violation on not investigating this matter. Please consider this my written authorization. Attached is proof of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Pacific Retrieval LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
They have contacted us multiple times in the past about taking legal action, the most recent was a letter sent from XX/XX/ 2019. Theyre asking for {$2100.00} for a vehicle we no longer own and have threatened my family by stating they will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: AFNI INC.
State: AL
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:
AFNI has been reporting a {$51.00} collections account on my credit, every month, on the XXXX of each month ... for SEVERAL years now. 

Attempts to contact the company for an explanation of what this debt is even from has been completely unsuccessful. I have received or seen ZERO documentarion on where this debt is even from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
On XX/XX/2022 I sent a hand written letter via certified mail to XXXX disputing the three charge-off, credit card accounts ; because they are being reported past the time that they need to be reported on my credit. I requested to have them removed immediately, as other credit bureaus have removed these same account from my credit report already. I received a response with a letter dated on XX/XX/2022 refusing to remove two of the accounts. This is not in alignment as my other credit reports no longer have these accounts reported, and its illegal to report and beyond the statute of limitations.

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 2022-08-16
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: Investigation took more than 30 days

Complaint:
Account never paid late, Account is paid off 100percent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: Credit Central Holdings, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
XXXX XXXX I got a loan from them years ago it was paid off to one of there workers XXXX and know they are saying they dont see the payment they have call and harass me concerning this matter even mess up my credit, Im tired of this company doing what they are doing. They need to find my payment because Im not paying again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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 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 719XXXX has me at a score around 590. 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm filing a complaint against XXXXXX/XX/XXXX for the second time. My first complaint was resolved by the company after they attempted to falsely mark my account as delinquent on my credit reports and charge me for fees that they actually owed me because this deposit was what I used to open the account, which was fraudulently used multiple times despite the fact that I had never received a credit card in my hand since I opened it in XX/XX/2020. 

The credit card company refunded me {$200.00} last month and removed all false marks from all three credit bureaus, but my account has now been placed in delinquent status as of XX/XX/XXXX for missing four payments, which is yet another false claim made by the bank. This is completely unacceptable and unlawful ; I feel financially victimized by the credit card company, and I am not alone ; multiple people have had reported similar experiences with the 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 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Since XX/XX/XXXX to XX/XX/XXXX accounts XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX has not been investigated. This is ridiculous at this point, I know that this has not been done because the update status has not changed. Please delete this from my credit profile immediately due to the bureaus direct violation on not investigating this matter. Please consider this my written authorization. Attached is proof of my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize CAPITAL ONE AUTO FINto review my credit report. I have a extend fraud alert on my credit reports. CAPITAL ONE AUTO FINdid not contract me on the phone number listed of the report before checking my credit. I reached out to them by way of phone, email and US mail requesting they provide competent evidence that bare my signature that I gave them permission to check my credit reports. If the can not to take the necessary steps to remove it from my XXXX, XXXX XXXX and XXXX  reports. More than a reasonable period of time ( 90 days ) has passed without providing me with proof I authorized them to review my report. They have also failed to remove the inquiry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
Item on my credit report are appearing as duplicate. I have filed 2 disputes and they both have come back as updated. 
XXXX XXXX XXXX {$1200.00} XXXX this has been transferred to DEPT OF EDXXXX XXXX on XX/XX/2022 XXXX XXXX XXXXXXXX {$2500.00} XXXX this has been transferred to DEPT OF EDXXXX XXXX XX/XX/2022 2022

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 2020-01-22
Company: Lending Club Corp
State: CA
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 filed for Chapter XXXX and was Discharged however, my credit score recently dropped due to Lending Club Corp, XXXX XXXX, XXXX  XXXX XXXX, XXXX still reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: RI
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 natural person I am living human being .I have right under USC 1681 Equifax is govern by 15 USC 1681.And they violated my right numerous time I demand the account listed below updated status current never late According to 15 USC 1681 : i have the right to privacy and I did not give Equifax permission to furnish these account XXXX XXXX account number XXXX XXXX XXXX XXXX  : account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a copy of my credit report and was alarmed to learn you claim I have a delinquent account with you. I have never entered into any arrangement with you, nor did I sign a contract with your company. And as third party collector, you are not authorized to furnish any information on my credit report. In order to collect or report information about me, the law states you must first have my permission. I received no request for permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-27
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since I travel a lot my bills including the mortgage payment to DiTech are on an automatic payment plan through the XXXX XXXX XXXX. As. A result I have never missed a mortgage payment. DiTech sold my loan to XXXX XXXX. Before I changed the payee to XXXX XXXX the XXXX payment was made to Ditect. Loan care has never received that payment and now consider that loan payment past due. 
I have contacted DiTech 4 times about this situation and XXXX XXXX three times. Both companies have been provided copies of bank statement showing there has been no missed payments. 
XXXX XXXX has told me They have no way to resolve this issue and I must deal only with DiTech. 
DiTech first told me to send the information to their customer service email address which I did. When I did not get a response I called back and the next representative said that email address is has not been checked in over a year and I would be sent a link to send the information to. That link never arrived. I called back again. This time I was given an address to send the information to. My certified letter got a response that I would have a Written response within 30 days. Their response was they are still looking into it. As I am writing this I have waited 31 minutes for a supervisor. I again was directed to customer service. 
Loan care has given me until XXXX for full payment. After that date the account will be considered delinquent charging me interest and affecting my credit. I have notes and documents on every attempt I have made to correct this situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation