BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
the credit bureaus equifax and XXXX failed to conduct proper investigation on a collecection and and accounts they didint validate the debt according to the law. 
di not provided me with a copy of ANY documentation to the original creditor, not verification from a third-party database.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Transunion : XXXX XXXX XXXX missed payments. I was never late. 
-XXXX not my credit card -XXXX XXXX  not my loan -XXXX  XXXX XXXX XXXX not my loan -Collection : XXXX XXXX XXXX XX/XX/22. {$170.00} not my account XXXX XXXX opened XX/XX/22. XXXX : not my card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: AMERICAN EXPRESS COMPANY
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:
1

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: EQUIFAX, INC.
State: MD
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 never gave any written or verbal consent to XXXX, Equifax, or XXXX  to report any information onto my consumer report. I believe if NO consent is given then it is committing identity fraud for furnishing information without my permission pursuant to 15 USC 1681b : Permissible purposes of consumer reports, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

XXXX ( Original Creditor : XXXX XXXX XXXX ) {$630.00} XXXX {$9900.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXX {$8400.00}

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 2023-01-16
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX is charging a convenience processing fee to pay online and told me it was a STATE policy - I live in Texas, it is not a state policy or I would have to pay other companies. They didnt send me a notice of this charge and I have been paying them for at least XXXX XXXX now. My daughter is on record with them asking when they sent the notice to their customers and they said they didnt have to notify them and they also told her to check with our state! She told them they were out of state and federal compliance and absolutely had to notify their customers of any additional fees for payment processing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: NY
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I asked for validation from XXXX XXXX XXXX and methods of validation from XXXX, Equifax, and XXXX. NO ONE PROVIDED ME ANY PROOF THIS IS MY DEBT. I submited a complaint with XXXX to have XXXX XXXX provide validation of debt. They refused. Then asked the bureaus for methods so I could see what the debt was for. This needs to be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
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

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 2022-11-01
Company: EQUIFAX, INC.
State: WI
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 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, also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My loan was transferred on XX/XX/2023 from XXXX XXXX to XXXX XXXX  XXXX. XXXX XXXX XXXX received a transfer of the escrow funds sent by my insurance company ( XXXX ) of approx XXXX to complete repairs to my property. 
XXXX insurance claims. 
XXXX. ) XXXX XXXX. ) XXXX They never released the funds to me to pay the contractors. 
For months I have called them continuously as well as the contractor and provided what they asked for. My roofer contacted them on several ocassions as well about the {$2900.00} to initiate the replacement of the roof which has become a health hazard for us due to mold. 
Multiple times ( 6 on my side ) they assured me and ( the roofer that they were releasing the funds and sending me a check but never did. Everytime I called they had no recollection of the previous call. Or had a different excuse. 
On XX/XX/XXXX I spoke to the escalation department and the lady told me that they were sending XXXX of the XXXX check to me ( after a 30min agitated conversation ) Again, the check was still withheld. Never sent as promised. The roof has been leaking even though hurricanes since XXXX. 

I called back again, XX/XX/XXXX. Apparently they changed their name to XXXX XXXX instead of XXXX XXXX XXXX and now one department tells me they have my loan but the department of loss mitigation that has the escrow disbursement tells me that they dont have my loan or the funds and it was sent back to my original lender, which was XXXX XXXX XXXX 
I called XXXX XXXX. They do not have my loan. So again I am being lied to by XXXX XXXX and they are refusing to now acknowledge they have and further release the funds. This is the embodiment of unfair acts, deceptive practices, as well as organizational deceptive teaching. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a credit card on XX/XX/2021. I got a email the same day about my application being on hold until they verify my information. I had to send over my Drive license and my social Security card I even sent my military id over as well. I got approval for my credit card they sent me my card with XXXX credit card limit. XXXX eve I used my credit card at XXXX. Then I used my credit card at the gas station, Yesterday I called Captial one to see why my mobile app wasn't letting me link my credit card so I can make a payment on my card after being transferred three times to be told my information doesn't match that my last four of my ssn doesn't match the account and they can't give me no info or even pullup the documents that I submitted with my information they restricted my credit card told me now I got to apply for a new credit card. I went rounds with them twice. They won't give me any info but yet I have a credit card now I can't use with a balance but yet want me to do a new application for another card meanwhile I have a chance of being denied because I already have a credit card with capital one that is now restricted and they can't locate these documents of mine with my drive license being out there and my ssn. i will take this as far as i need to take this so this never happens again to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Received a letter on XXXX saying " an isolated technical issue, which has since been resolved, '' .... yielded a dispute on my report that was submitted months before had not be sent the results at the conclusion of the investigation. 

First of all, this was vague and " isolated technical issues '' should not be happening in such an important aspect of a person 's financial information. I am sure " technical issues '' happen quite a bit in these credit reporting agencies. 

Due to the disputes not being noted on credit report and UNEXPLAINABLE algorithms used along with processes to determine scores, my score went from XXXX at the beginning of 2023 to XXXX currently according to XXXX Transunion is the agency they seem to use with their reporting. This is disturbing and it appears these companies are in cohots with one another because once your score tanks, you then get offers via wallethub for high interest cards and loans. I also question the accuracy of the reports. 

In addition, there should be a full investigation into all CB and legislation to control how they determine processes to print scores ; at some point they should become a non-entity in determining credit worthiness due to the lack of integrity in the processes. 

I want my score corrected and reinstated to XXXX and above and to stop dropping EACH DAY IN XXXX and all disputes input that I sent in XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
Today what happened was Capital One had made an error on my credit score my credit was a XXXX now it's a XXXX I called Capital One they telling me that I owe {$6.00}XXXX XXXX XXXX'll tell them I don't owe that amount I owe nothing they tell me I do so I had to call my insurance company which is XXXX to help me dispute this matter so my insurance company had called Capital One until Capital One that it was an error with this issue so my insurance company had to correct the error that Capital One has made please help me to fix this matter and let me know thank you and have a great day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a business banking account with BOFA. They closed my account on XXXX XXXX. On XXXX XXXX my merchant provider deposited money in my account from my clients closed to XXXX. I asked the bank why are my deposits on hold. The first representative said she doesnt to check back in 24hrs. I checked the next morning and I saw that the rest of my deposit will be made available XX/XX/XXXX this was around XXXX my account. I checked around XXXX and I couldnt login to my account. I called the rep. said they would send me to the account closure. I said account closure why is my account being closed. So I asked the account closure rep why is my account being closed. She said the bank can close your account at any time we dont have to give a reason why. I said can I provide invoices for the verifiable transactions. I said you all didnt send even an email stating my account is closing. I said what is going to happen to my account. My merchant processor, vendor payment and personal payment was supposed to be sent today. Mind you my merchant processor sent out a payment today and BOFA allowed the deposit but I cant have access to it. So how is my account closed but still accepting deposits. The supervisor said well we can still accept deposits you just wont get them. I need this to be rectified even if i can just receive a check of my funds owned to 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 monetary relief
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2022-01-15
Company: Finance System of Toledo, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have 3 collections reporting on my credit report I dont recall or believe to be fraud XXXX for {$220.00} XXXX for {$340.00} XXXX for {$990.00} I already have tried disputing serval time and called XXXX who sent me to a collector which is Finance System Of Toledo INC I went to hospital they said the medical debt were base out of or from and they said they not aware of or know anything about the alleged debt. I ask that these 3 collections be deleted immediately that cause 3 derogatory marks on my credit report. Next will be legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX. 
{$460.00} {$340.00} XXXX paid in full! Remove them from my report! 

They are reported closed, but are still on my report. Remove them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My auto loan company, Regional Acceptance Corporation, has my name spelled incorrectly in their account. 

I have been trying to contact the company through various channels multiple times during the past 1-2 years ( written, e-mail, phone ), to get it spelled correctly. 

However, the call never goes through to a person and only cycles me through automated responses, and e-mails and written letters have not led to any response from the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please see ALL attachments of the 3 - bureaus inaccurate reporting errors attached to this complaint. 

for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear XXXX PLEASE TAKE NOTICE : I noticed the following issues with these accounts on my credit report : Account Name : XXXX XXXX  Account number : XXXX Account status is misleading : showing different information per bureau. 
Delete this account ASAP and send updated information that shows the account as being accurate on all three bureaus. 
Account Name : XXXX  XXXX Account number : XXXX Account status is misleading : showing different information per bureau. ( see attached inaccuracies ) Delete this account ASAP and send updated information that shows the account as being accurate on all three bureaus. 
Account Name : XXXX XXXX XXXX Account number : XXXX Account status is misleading : showing different information per bureau. ( see attached inaccuracies ) Delete this account ASAP and send updated information that shows the account as being accurate on all three bureaus. 
Account Name : US DEPT OF EDXXXX Account number : XXXX Account status is misleading : showing different information per bureau. ( see attached inaccuracies ) Delete this account ASAP and send updated information that shows the account as being accurate on all three bureaus. 
XXXX XXXX. 
Account Name : Account number : XXXX Account status is misleading : showing different information per bureau. ( see attached inaccuracies ) Delete this account ASAP and send updated information that shows the account as being accurate on all three bureaus. 
I did some research about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed. 
XXXX is in violation of 15 U.S Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished deleting the inaccurate accounts. I hope this will be soon. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief