BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have asked Experian Credit Reporting agency, XXXX credit reporting agency, and XXXX credit reporting agency on multiple occasions to respond to my request with regards to the replying to my request per FCRA 611 ( 15 U.S.C $ 1681l ). My request to Experian was as follows : Under the Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification, I demand proof that you went through all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. 

For example, the person you spoke with at the bankruptcy court. Moreover, would you please provided me a complete copy of all of the information that was transmitted to the data furnishers as part of the investigation, as is required by FCRA : For example, who did you speak with? What was the date? How long was the conversation? What was the position of the individual you spoke with? What number did you call? What is the name of your employee or their I.D . number of the person that spoke with directly? What number did your employee call? And what is the position of your employee that spoke to the at the Bankruptcy court? 

Experian has refused to provide me with the information per Federal law. Attached please for the letter that I sent in addition to Experians response to my CERTIFIED MAIL REQUEST mail on XX/XX/2022. 

As I am sure Experian did not contact the Bankruptcy Court nor any other agency per the FCRA law as required to furnish me with my requested information. 
I would like very much for them to follow the law as required and provide me with my request.

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 2022-07-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are a total of 61 hard inquiries on my equifax credit report. None of these inquiries from all these companies are from me applying for credit. Equifax makes it impossible to dispute these types of disputes. I am XXXX with limited availability to a computer. And the funds to print all these documents out that they are asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: NCB Management Services 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 is missing that should be on the report

Complaint:
Car was taken by XXXX XXXX and the company then filed bankrupcty which my car was inlcuded in but now the information was sold to an collection agency and now that compnay is saying i owe money on a car that was closed on my aacount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 Account XXXX Capital One Resurgent Capital Services, XXXX XXXX, and XXXX ( unsure where debt is ) vs. XXXX XXXX Several times over the past year, Capital One has REFUSED to take responsibility regarding the above account. They have stated AGAIN and AGAIN that they are unable to provide additional information or take action on your account. First of all, again, for the 100th time, I never opened up this account, I never used this account, and I tried to make a deal for removal, but Capital One refuses to comply even to a deal. I have, nor will I ever say that this debt is mine, and I will continue to make complaints until the account is no longer viable and easily removed. 
All of Capital Ones responses per their letters are unacceptable, and I request again that they make right an account that THEY opened up without even calling me or making sure it was me. Capital One will continue losing money every time I make a complaint, and they are criminals for neglecting their duties, first in opening the account in the first place and then refusing to fix their mistake. Capital One has NOT provided a complete previous response fully addressing my concerns. Capital One needs to MAKE RIGHT WHAT THEY HAVE DONE. They scammed me then sold the debt so they can release themselves from what theyve done. I want justice, and I dont want to be shuffled around to other collection agencies because Capital One doesnt want to deal with me. If I have to send 1000 letters, then I will, and each time you will lose just that little bit more with your scams. 
Capital One has unjustly hurt my credit, opened up a fraudulent account under my name, and denied me proper paperwork for countless months. They have also tried to send the debt to at least three debt collectors, and I will not tolerate it. I want results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: AZ
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 contacted equifax on XX/XX/22 about some information that wasnt mine and addresses to places i never lived. I have yet to hear anything from them to get these things taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
A. I went to the annual credit report and received either in the format thru mail or online to receive my annual credit report except Trans union. 
B. Transunion then proceeded to send me an application to pay and fill out the form. The free annual report thus was not recognized. 
C. Next I filled out their form an provided my driver 's license, social security form, and a utility page, but was denied a credit report. 
D. Next I put a security freeze on the account and was not provided a code which all the two other major companies had provided but not Transunion. 

What should I do now. I have no code to unlock my credit report nor do I have their free credit report. 
Why hasn't this company been tagged as non-professional and possibly illegal? 
Tank you.

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 2022-07-18
Company: Experian Information Solutions Inc.
State: DE
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 Tried to obtain auto loans and my credit was shopped around without my consent, the same thing happend when I tried to apply for some credit cards also. I checked my credit and saw that I had 84 hard inquires that I didn't recognize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, EXPERIAN 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 2022-07-18
Company: Westcreek Financial
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
When I opened the credit with Koalafi, the same night, I set up autopay to pay the bill in a timely manner. Once, I completed the autopay, it indicated that payment would be due on XX/XX/XXXX. However, I received an email indicating the bill is past due. How can the bill be past due when autopay was set up on XX/XX/XXXX. The email also indicated that due to the past due bill the terms of the agreement in terms of deferred interest are no longer applied to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, after retirement, my wife and I opted to move to southern XXXX   and buy a retirement home. We also opted to retain our home In XXXX, XXXX XXXX, which our son offered to occupy the home and pay mortgage, taxes and insurance. We agreed. Over the next five years we had a couple of minor issues with Wells Fargo ( WF ) and to that point I made certain they had my XXXX address, email and cell phone number because there was some confusion. In late XX/XX/XXXX my son called and informed me that the house payment had increased from {$1200.00} to {$1500.00} ( approx. ) per month. Since I had not agreed to any contract change between FW me, I called and was told that WF had to purchase home insurance because we did not have an active policy. I knew my son had mentioned changing home insurance from XXXX to another company. they claimed that they had sent a letter to the XXXXXXXX XXXX address in XX/XX/XXXX stating the problem, which was that the policy they received had my sons name not mine. The policy did contain all other pertinent information such as address, amount of coverage and mortgage company. I did not get that letter, email, or a call stating the problem. When I do Call WF I find that if I must call back, they never seem to know what the last person did or agreed to do. 
Once I became aware that a problem existed, I called my son and within 24 hours the problem was solved. My complaint is that because WF claims that they had to take an action to obtain home insurance because we didnt comply with their unknown requirement for having my name on the insurance policy, we must pay several XXXX dollars for their mistake. They couldnt keep track of my contact information. 
After I called again this XXXX XXXXXXXX I was sent, via email, which was known to WF a copy of the letters they said were sent to me at the XXXX address.

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 2022-10-23
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have tried to resolve this issue via Synchrony dispute 3 times. The dispute was mishandled by Synchrony 2 times. During the 3rd dispute, I was provided a partial credit. I filed a 4th dispute tonight, as my dispute has not been resolved and unfortunately, Synchrony has been unwilling to appropriately handle this financial matter. 

KEY FACT : I do not have any of the bedroom furniture purchased from Ashley Homestore XXXX. The damaged furniture was returned and the replacement furniture was never delivered. Therefore all of the money paid for the bedroom furniture must be refunded/credited back to my Synchrony account. A partial refund is unacceptable. 

DISPUTE DETAILS : On XXXX, we purchased bedroom furniture from Ashley XXXX XXXX, that was sold to us under fraudulent pretenses ( the guise that it would be assembled ). We were promised by the salesperson that the furniture would be assembled and were clear that unassembled furniture was not an option. It was delivered and was not assembled, as promised. After several calls to both Corporate Ashley and the XXXX store, an assembly person was sent XXXX. The furniture was damaged when he opened box and he damaged the remaining furniture in his failed attempt to assemble the remaining pieces. XXXX We purchased replacement furniture and paid {$2800.00} but Ashley never delivered this furniture, despite a scheduled delivery date of XXXX. ASHLEY PICKED UP THE DAMAGED FURNITURE on XXXX. We have received a partial refund and credit but Ashley STILL OWES us the remainder of the monies paid for FURNITURE WE NEVER RECEIVED. 

DETAILS OF REMAINING MONEY OWED : XXXX : {$2800.00} paid for replacement furniture that was never delivered XXXX : {$760.00} refunded back to my XXXX card XXXX : {$1000.00} credited to my Synchrony account ASHLEY STILL OWES US : {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: MANN FINANCIAL INC.
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Beginning on XX/XX/2021, my wife and I engaged XXXX XXXX from Mann Mortgage , LLC in order to secure a conventional mortgage for a house. 

During this process we submitted three offers to three different sellers for three separate properties along with separate preapproval letters from Mann Mortgage. Although we submitted all required materials to apply for loans for each of these properties, it was only after our third offer that a good faith estimate ( GFE ) was provided to us, which I believe is in violation of 12 CFR Part 1024.7. 

The submission dates for each offer are as follows : - XX/XX/2021 Offer rejected - XX/XX/2021 Second backup position accepted - XX/XX/2021 Offer accepted Once we finally received our GFE after our third offer was accepted, we decided to engage other lenders to seek out a better rate, which we ended up finding. Upon reengaging Ms. XXXX in order to negotiate, she threatened to contact the sellers ' agent, which we had not authorized and with whom she had a personal relationship, and implied to us that she would be doing so in order to jeopardize the sale if we decided against moving forward with her. 

She also contacted our Real Estate agent. Our agent relayed to us later that XXXX had attempted to " get her [ our agent ] on her [ Ms. XXXX 's ] side '' in order to jeopardize the purchase of our home and which point our agent told her that " she would not blow up this deal ''. 

I have subsequently learned through the Real Estate company that we contracted that they've fielded several other complaints about Ms. XXXX since our experience and I firmly believe that had we not contacted an attorney and threatened legal action for interference with a contract that she would have continued in her efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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: Account status incorrect

Complaint:
this has to do with XXXX account, wrote verification letter sent me a shady statement and didn't have correct information. and asked for signed contract but didn't provide signed contract. please remove from credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
I have been disputing XXXX, XXXX and XXXX for a year now. I have given them my police report & other supporting documents that I am an Identity theft Victim during the Pandemic & before. I had all my Gov. PUA benefits stolen. I have proven to them to take off accounts that were charged fraudulently or is not mine. I keep disputing and they disgaurd or will not let me download the proof. XXXX 's website to dispute you can not even download dispute because it always says error messages. I have had several health issues and XXXX XXXX XXXX because of this. it has been a three year ordeal to dispute my credit reports and fix it without success. I have every right to have a good credit report so I can recover from my identity stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions 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: 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 Account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # 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 : States a consumer reporting agency can not furnish an 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.

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 2022-07-18
Company: EQUIFAX, 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: 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 Account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # 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 : States a consumer reporting agency can not furnish an 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe {$160.00} with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: JPMORGAN CHASE & CO.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX for the company " Southwest Airlines '' ( XXXX ) Person ( s ) continue calling me, informing they are a 'debt collection agency ' from Southwest Airlines . They ask me to verify who I am ( address, date of birth, social security ) which I do not give or confirm except I give them the last digit of my address. I inform them nothing is owed to Southwest. I also asked them to send me an invoice, IF they already have my address. Which I do not confirm. They said they can not until after I give them my personal information. Which I will not. They continue to call and call and call, at least 2-5 times a week.

I called Southwest Customer Service XXXX to report this, spoke with a representative named ( XXXX XXXX ' ) who listened and then directed me to report this to : 'report fraud.ftc.gov '. She also informed me that If there was an amount owing, Southwest would have sent something by mail. Which they have not. I wanted Southwest to know and to see if they had a fraud department so I could give them the phone number of the frauds/ scammers/ extortionist,,, etc.. They did not at the time. She was kind.

My personal history with Southwest. 
1. I haven't traveled with them for over 4 years. All debts paid in full at the time of flying.

2. I haven't taken out any credit card with them.

3. I have NOT received any billing/ invoices/ notices/ statements from Southwest at all.

Let 's hope this blesses others from these scammers!

Company response to consumer: Closed with explanation