BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-16
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: Information belongs to someone else

Complaint:
On XX/XX/2020 I applied for small business loan but was only approved for a small amount because of negative accounts on my credit report. These accounts don't even belong to me and I've already tried clearing it up with the bureaus and the companies directly. They verify they are inaccurate and tell me they will be removed in their next billing cycle but nothing has been done yet. This is a huge setback for me as a small XXXX XXXX with XXXX XXXX. I  need these removed instantly so I can reapply for relief funding to save my business. The accounts that do not belong to me are XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  and 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 2020-07-07
Company: Experian Information Solutions 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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX  XXXX {$390.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$460.00} XXXX  XXXX  XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX {$400.00}

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 2018-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I did not receive a statement for the month of XXXX and XXXX of 2018 from my Kohl 's acct. XXXX submitted to the credit bureau that I missed 60 days of payment. 

This is not acceptable. I should have been notified that my acct was late or behind!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/2020 I applied for an auto refinance with Ally. I was approved for the loan on XX/XX/2020, and I received approval email communications from " XXXX '' and " Ally '', along with welcome documents from Ally in the mail the following week. I also received the monthly statement and payment coupon from Ally for my first payment, and I made the first payment already ( it was mailed in check # XXXX ).  On XX/XX/XXXX, I received a letter from Ally saying that they cant do loan as agreed because they were unable to verify my vehicle 's mileage. This is absolutely false - I feel this is just a " Bait & Switch '' tactic on their part, and the vehicle mileage is just an excuse.Please see below regarding mileage verification : 1 ) During the loan application process, I uploaded an image of my vehicle odometer to the loan portal. This image was taken on the same day as the loan application, and it has a date and time stamp on it. The loan agent ( XXXX XXXX ) also viewed the mileage image I had submitted and said it was acceptable. 

2 ) During the loan document signing process, I signed a DMV mileage verification form, certifying that the mileage stated is correct. This form carries legal consequences if the mileage information stated is false. I would never risk legal issues with the State of CA, by misstating my vehicles mileage. 

As Ive already provided Ally an image of the odometer, and well as signing a legal California DMV document verifying the mileage is correct, Im unsure as to what exactly Ally needs to verify vehicle mileage. And if verifying the mileage really was an issue, why would it come up nearly 4 weeks after the loan was approved, and Ive already made my first payment? I feel this has nothing to do with being unable to verify my cars mileage. It is just a bait and switch tactic on the lenders parts. At this point, the loan is not showing up on my credit report, and the previous lender for my vehicle has been paid off. My car and loan are in complete limbo. Please help. Thank you in advance for your 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 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2020-12-07
Company: Experian Information Solutions Inc.
State: MI
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 tried reaching out to Experian to correct my information every way possible. I was unaware that it hadnt been corrected. My oldest line of revolving credit is missing and Experian keep reporting a XXXX account delinquent that is in litigation. I have informed them of this and nothing has been done. When you call, there is no way to speak with anyone, but the option is there and it just hangs up regardless of which customer service number you dial, same outcome. Nothing- my other 2 credit scores are almost 700 this one is over 100 points below what it should be, this should be illegal.

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 2020-07-10
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:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX-I am making payments to collection agency- {$2300.00} XXXX-I am making payments - $ XXXX XXXX-making payment to collection agency-XXXX XXXX XXXX  -making payment t collection agency-XXXX XXXX/XXXX-do not know what that is-XXXX XXXX/XXXX-I am paying-they went out of business

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 2020-11-19
Company: EQUIFAX, 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 have recently discoverd that i have multiple fraudulent accounts on my account that are holding my credit back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: EQUIFAX, 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 disputed a bankruptcy that is showing on my reports multiple times. 

All credit bureaus are reporting this false information and not a single one of them has deleted this inaccurate information. 

This is not my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good Morning, Here is the story of where I am now with Carrington Mortgage and why I am submitting a complaint. 

I was granted a 3 month forbearance period which started on XXXX XXXX with Carrington mortgage due to the Corona Virus. I was notified of this decision by mail with a letter dated XX/XX/20. This letter stated that " you will not be required to make a monthly payment for 3 consecutive months ''. It all also stated " By accepting this forbearance plan, you are affirming that you have been personally impacted by the Covid 19 '' and " Acceptance of this plan is defined by not making payments during the forbearance period ''. 

I received a second letter dated XX/XX/20 telling me I needed to submit some financial documents by no later than XX/XX/20 to Carrington to see what type of repayment plan they can offer me. I faxed over all the required documents on XX/XX/20. They confirmed receipt of the paperwork by sending me a letter dated XX/XX/20. 

I called them today, XX/XX/20, to see if I could set up some payments to get caught up on my account and they are telling me that they will not accept anything but the past due amount paid in full. How do they expect me to have 3 months of payments when I am really just getting back to a full time work day due to the Covid-19? 

After being transferred 4 times I finally got a Carrington Mortgage supervisor on the phone and he wants me to resubmit all my paperwork on XX/XX/20 so they can re-evaluate the application. He said that since I submitted an application for mortgage assistance that it cancels the forbearance plan putting my mortgage 3 months behind even though Carrington requested the documents. 

I also spoke to a housing counselor who told me that this is happening all across America. Please don't let these banks ruin America. It time for the little guy to win one. 

P.S. I do have copies of all the correspondence between Carrington and myself if needed. 

Hoping for help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I noticed that the zero APR in the Capitol One Quick Silver card expired. I called to talk to the customer service representative around XXXX EST. Since Capitol One has been charging around $ 180 monthly finance charge for 4 months, I asked the representative to waive the last finance charge. She became very unprofessional and immature and questioned me that " you had 18 months to pay for the card '' I told her if I have the money I would have paid them. I also added that unlike other banks such as XXXX   XXXX XXXX and XXXX XXXX that I also work with and they honored my request and waived the late fee, they should also think of the customers ' financial difficulty and be more accommodating. She then started giggling as if anything is funny. I told her she is very unprofessional and she hung up on me. Since she told me that the conversation is being recorded, I would like this employee ( whom I could not even get the employee ID of since she hung up on me ) to be reprimanded for her lack of professionalism and cooperation. I have had bad experiences with Capitol One which I have not had with any other banks throughout my credit history since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-16
Company: Experian Information Solutions 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2017-12-18
Company: Professional Credit Analysts of MN, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Placed for collection on XX/XX/2015 for {$1100.00}. No actions by me but the company is reporting to the credit bureau and trying to collect a debt from me. They are not licensed in the state of Florida to do so. I do n't owe this company I do n't have anything to do with them.

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 2017-09-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and also XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 explanation
Consumer complaint received 2020-09-01
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage charged us a late payment fee of {$120.00} when we never paid late because our mortgage was automatically deducted from our bank account. 

Freedom Mortgage provided the incorrect escrow balance on our Payoff Statement, dated XX/XX/2020. The escrow balance listed was {$3900.00} and did not include the XX/XX/2020 escrow payment. Correct escrow balance was {$4700.00}. 

We are owed {$8700.00} from Freedom Mortgage. It is XX/XX/2020. Freedom Mortgage received full payoff amount on XX/XX/2020.

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 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2020-11-19
Company: National Account Systems of Omaha, LLC
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, National Account Systems placed a collection account on my credit file. National Account Systems failed to notify me of this debt and my right to dispute/validate the debt. On XX/XX/XXXX, I disputed this debt and requested validation with written notice. In this letter, I also notified them of their violation of the FDCPA, FCRA, and the Texas Finance Code. I did not receive a response. 

On XX/XX/XXXX, I sent another written notice advising them they were still in violation of the FDCPA, FCRA, and now the Bankruptcy protections that prohibit ANY form of debt collection to include credit reporting which is a form of debt collection during the bankruptcy stay. This request was also ignored. 

Over a year later, NAS continues to report this invalid debt to my credit file with the status that it is included in bankruptcy ; however, the bankruptcy courts have this debt as " disputed '' because they failed to validate the debt when requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Sunset Management, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The most recent call was on XX/XX/2018 at XXXX XXXX. I had been getting numerous calls from this company in reference to a relative. I Kindly told them about 6 or 7 times I have no contact with this person. Around the 8th call I finally asked to be put on their internal " do not call '' list. The lady who I spoke to was extremely rude and hung up the phone. When I called back they gave me the run around, kept putting me on hold and when the person came back on the phone I asked for their name. She told me here name was XXXX. I think that it is a fair and my right to asked to not be called anymore after numerous calls, especially about someone else 's debt and not be treated in a rude way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: TX
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 XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
when I log on line XXXX or go to the phone they would call me all day and all night on my phone number XXXX and XXXX to ask me to buy stuff and aply for new creit cards and on my creit score I have an old creit card on ther estated back in XXXX called capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I am a XXXX and have been for 32 years. I am now forced to use Key Bank, as they took over from XXXX XXXX. My account has lots of O/D CHARGES, due to the way they process the checks and deposits. I have a on line account so that I can see everyday the account balance. I have not had a negitive balance at all. They have bounced several checks from XX/XX/18 and on. 
I was never notified and did not receive any checks back. The employees at the branch don't know any information and can not help me. At this point I feel helpless and do not know where to turn. Many people in this area have left the bank due to confusion on their accounts. I would appreciate your looking into this bank and it's practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score

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