BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: EQUIFAX, 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:
On XX/XX/2022 I sent to Equifax a letter and beyond the time allowed by Federal law have not heard back from them informing me if an investigation has taken place. The letter I sent to Equifax stated that I finally had been relieved of a few fraudulent accounts placed on my Equifax credit report, all fraudulent accounts were deleted except one account. I informed them that there was one final fraudulent account left on my Equifax credit profile. I'm just desiring to get passed this ongoing attempt to be given what is righteously due to me, JUSTICE. I have provided Equifax with laws they are violating against me and also informed them of what my financial compensation could be if they are found to be willfully or negligently non willfully causing me pain by not deleting this erroneous and fraudulent information as stated in the FCRA. I have given to this company FTC reports, statements personally by me via letter about how I had been defrauded, as well as other laws that are being ignored. It seems I am being purposefully ignored and mistreated by Equifax. I will NOT be taken advantage of anymore. Delete this from my report as it is not mine! Or next I will seek litigation. I have provided an attachment that contains my FTC report, dispute sent to Equifax on XX/XX/2022, Drivers License ( this is also is my proof of current residence as I do not have any bills in my name ), a correspondence from Equifax stating how they deleted the fraudulent accounts, and my social security card. I gave Equifax No permissible purpose to report anything on my report and demand this be deleted according to 15 U.S. Code 1681b PERMISSIBLE PURPOSE OF CONSUMERS REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Navient Solutions, LLC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navient and XXXX keep adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. First of all they do n't have my correct contact information and I was not able to be notified in XX/XX/XXXXand XXXX. I fax information over to them about my forbearance and I was told that it was never received. I have copies of my fax receipt were it was sent over. Several late payment was placed on my account because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On multiple occasions I tried to dispute with all three major credit bureaus several items on my credit report. These items were as a result of identity theft and fraud. I informed all three credit bureaus over the phone and in writing of this identity theft and fraud. They investigated using the dispute item within their website yet they refuse to remove the unauthorized inquiries on my credit report which is causing my credit report score to plummet and multiple declinations for credit. These hard inquiries were unauthorized, of which I informed all three credit bureaus of that. They still refuse to remove the unauthorized hard inquiries. I then put a fraud alert and credit freeze on my report with all three major credit reporting bureaus and in response and retaliation they lowered my credit score by almost XXXX points.

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 2018-01-08
Company: Experian Information Solutions Inc.
State: PA
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:
In 2014 a Bankruptcy was file and dismissed under my name. 

The Bankruptcy is being reported / re verified, reported incorrectly, to Experian by XXXX XXXX, in violation of Federal Regulations.

I.E. Fair Credit Reporting Act Sec. 1681C, mentions nothing in in this act on the disposition of dismissals or filings, the law clearly states from " Date of Adjudication '' or " Order of Relief '', in the event of a " Dismissal '' there is n't an " Order of Relief or " Adjudication ''.

or 1681 ( a ) 5 of the FCRA, for more detailed information. 

Therefore, XXXX XXXX is in violation of selling/reverifying public records to Experian, knowing they are in violation of Federal Regulations and Experian is aware of this and still refuses to remove said, Bankruptcy Reporting action, from my report, both companies need to be held accountable for knowingly violating Federal Law. 

So, all the reinvestgations have proven to be a farce and have n't held XXXX XXXX or Experian to the letter of Federal Regulations

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 2018-01-08
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RoundPoint has transferred my mortgage to XXXX XXXX XXXX , XXXX ( XXXX ) on XX/XX/XXXX. I was informed not to process any payments after XX/XX/XXXX to Roundpoint and that I needed to do nothing about automatic drafts scheduled after XX/XX/XXXX as they would not be processed. RoundPoint processed the automatic payment from my checking account on XX/XX/XXXX and failed to immediately transfer this payment to XXXX as a received payment for XXXX. XXXX processed an automatic payment from my checking account as a result on XX/XX/XXXX. I contacted RoundPoint to ensure this balance would be transferred before my XXXX due payment but the several contacts to the company did not resolve this and XXXX processed another mortgage payment from my checking account on XX/XX/XXXX. Upon contacting RoundPoint after this, I was informed that they put my money in a suspense account rather than transferring it with my loan to XXXX. I have contacted them again and they still have not transferred my money to apply to my mortgage with the new company. This has resulted in my finances being interrupted as these funds have been tied up for the past month. I 've made countless long calls, have had multiple failures to escalate, been called a liar about this payment, have been transferred to the main queue to start all over during calls, and not received any of the multiple callbacks promised by RoundPoint 's customer service.

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 2019-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
This is a continuation from my previous complaint and that is I forgot to mention that in the process of me going out of town when my father passed  away I lost my wallet no I didnt report it the police due to I was going through so much at the time with the passing of my father. I really hope that youll can resolve this situation with XXXX  and XXXX XXXX so that I can open a regular bank account as soon as possible.

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 2019-04-29
Company: Student Loan Finance Corporation
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: Their investigation did not fix an error on your report

Complaint:
I had disputed a few dates for my student loan which is now paid off those dates of late payments were inaccurate for a few various reasons and I would like to have them removed has late payments to current payments because they were current or an accurate verification of the payment being late within 30 days or removal of this late payment Trail on my credit report the name of the loan was refund student loan slfc / XXXX XXXX XXXX XXXX XXXX XXXX and the dates were as follows 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. This account was opened XX/XX/XXXX. Loan fin XXXX XXXX XXXX XXXX XXXX SD XXXX the number is XXXX XXXX. The date it was closed was XX/XX/XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08
Company: ARVEST BANK GROUP, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received " Balance Eraser Loan Program '' ID card in the mail. from Arvest Bank. I DO NOT want any prescreened offers sent to me. When I tried to go to the XXXX, they requested my social security number to proceed. Due to recent date breaches, I will not give out my number but do not wish anyone to assume I want unsolicited offers. The information sheet that was sent to me involved XXXX, XXXX, XXXX, and XXXX Consumer assistance. I do not want any offers of credit from anyone. If I want credit information, I will request it. 
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 2022-01-14
Company: Exeter Finance Corp.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a vehicle loan through Exeter Finance. I am XXXX XXXX and Covid slowed business to almost a halt for a few months. I contacted them and let them know my situation and they gladly deferred two payments to the end of the loan and informed me that they would not show up as late payments since they were deferred and no balance was owed. 

I am currently in the process of trying to secure a home loan and come to find out, BOTH payments were reported as late. This is the only thing holding back my approval. I have called Exeter to try and reason with them to no avail. I have sent goodwill letters explaining again with no response. My history with them and all of my other accounts is exceptional besides those derogatory remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX, my wife and I executed a lease with XXXX XXXX XXXX XXXX, as we were having a home built. The end date was XX/XX/2019. 
On XX/XX/XXXX I contacted XXXX and said we would be vacating early and chose a date of XX/XX/2019. XXXX accepted that date and agreed to market the home accordingly. They instructed us by email and letter as to how to leave the home on XX/XX/2019. They rekeyed and denied access as they had accepted the home back on XX/XX/2019. 
Beginning in XX/XX/2019 they claimed we owed rent through XX/XX/2019. 
I have requested numerous times they correct and in each case they have unilaterally refused. I have offered 3rd party arbitration or court and agreed to abide by any 3rd party findings. 
They then reported derogatory information to the credit agencies, and I disputed all. 
My position is that I paid through XX/XX/2019 as agreed and they have unilaterally taken steps to damage my reputation, XXXX XXXX and such. 
I have attached a portion of my supporting documentation. 
They took the house back on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There were fraudulent charges on my Bank Of America credit card account. The card was closed, the fraudulent charges were disputed, new replacement card was sent to me and temporary credit was provided for the fraudulent charges pending investigation. After investigation, company is saying that some of these disputed charges are legitimate ( meaning I am responsible for these charges ) and re-imposed these charges in the new credit card bill. But clearly these charges were not done by me or any one of my family members and some of these charges were in places where we have never been. I have raised these issue with the bank but they said that they can not do anything about it since these charges look legitimate to them and it is based on their investigation and I have no option but to pay these charges. This is totally unacceptable to me since neither me nor any of my family members did these charges and the credit card in question was in possession of me during the time of these charges and we have never been to these places where these charges were made. 
The charges are : Posting Date Description Amount XX/XX/2021 : XXXX XXXX XXXX GA {$5.00} XX/XX/2021 : XXXX XXXX XXXX GA {$8.00} XX/XX/2021 : XXXX XXXX XXXX GA {$5.00} XX/XX/2021 : XXXX XXXX CA {$7.00} XX/XX/2021 : XXXX XXXX XXXX {$64.00} XX/XX/2021 : XXXX {$14.00} XX/XX/2021 : XXXX XXXX {$3.00} XX/XX/2021 : XXXX {$14.00} Total fraudulent disputed charge amount : {$120.00}

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 2019-11-12
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have been sending written letters to TransUnion about the errors that I am seeing on my Credit report. However, I am not seeing any changes, improvements, or corrections on my reports. They kept reporting a lot of inaccurate information in my credit report which is no longer acceptable. Aside from that, TransUnion and the furnishers have failed to notify me about the issues. Thus, they were not able to meet the requirement of the FCRA which demands them to provide a XXXX percent accuracy on the report and should they provide significant and legal documents to affirm their remarks. Below is the list of the items I have been concerned on : XXXX. XXXX XXXX XXXX {$0.00} XXXX. XXXX XXXX XXXX {$830.00} XXXX. XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$420.00} XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired XXXX XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2019-04-29
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:
II have sent the proper documents to Equifax for them to remove the accounts from my profile. They haven't I have follower all the proper procedure to get these accounts remove from my profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a Capital One Platinum MasterCard with a minimum payment of XXXX dollars. I recently have gone through financial hardship and have been late on making a few payments. Over the following months my minimum payment had increased to a maximum of {$190.00} with the addition of {$76.00} in past dude fees and {$30.00} interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX is reporting 4 accounts in collection, and unpaid. All 4 accounts have been paid in full over a year ago. all 4 accounts are listed as unpaid medical. XXXX is also reporting my credit card balance incorrectly. Please update my credit card balance correctly. I did not give authorization for the following credit checks. > 1. XXXX > 2. XXXX > 3. XXXX > 4. XXXX > 5. XXXX In addition to the above credit inquires there are lots of old hard credit inquiers showing on my account.

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 2021-05-10
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My husband XXXX XXXX and I had a Barclay credit card. We closed the card in XX/XX/XXXX which terminated any online access. I have been trying to get the XXXX Annual Summary but Barclay has not provided it. Beginning in XX/XX/XXXX I have called the customer service number XXXX on 4 separate occasions. I do not know the card number because we destroyed the cards and because our online access is terminated. However the Barclay rep was able to locate the account by my providing the last 4 of the social security number. The rep would not provide me with even the last 4 digits of the account number. In each of my 4 phone calls the rep promised to mail a copy of the XXXX summary, which I need for my taxes. We have never received the summary. The rep refused to transfer me to a supervisor. The last rep, XXXX was actually rude when I explained it was my 4th call and I had not received the summary that I had been requesting since XXXX. 
My desired resolution is to receive a copy of my XXXX Annual Spending Report Summary.

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 2022-01-14
Company: Radius Global Solutions LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We received a notice of missed payment by XXXX XXXX for medical tests. Upon checking, we believed the notice was sent in error as it was paid through our insurance. We unsuccessfully tried to contact the company over the phone, and sent an email to address they provided. This was two months ago. 

We never got a response, and we just learned that the bill was sent to Radius Global Solutions for collection. We contacted them over the email they provided, but got an error from their email server and our message was blocked. We then managed to speak to them over the phone and were told they were going to investigate. They however refused to provide anything in writing to prove that we filed a dispute. We were then able to get in touch with XXXX XXXX and they as well claimed they were going to 'investigate the issue and hold the ' but refused to provide any confirmation in writing that the collection process would stop. 

We have been notified in writing that a collection is ongoing, however we have no way to demonstrate that we disputed the process. A word from a company representative over the phone does not equal a certified letter in the mail. 

Of course this complaint does not go into details, but as you can imagine we came to this after spending several hours over the phone and email trying to sort this out.

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 2017-09-13
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I May or may not be part of the XXXX credit information hack. I can not be certain since its been shown reliably that the XXXX  verification tool is giving out bogus information. And therefore now have to take proactive steps to ensure i 'm safe. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, Experian, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information, without my consent and I should not be required to pay them additional money to protect my information, Especially when companies like XXXX XXXX have in the last week redesigned their website to promote a " credit monitoring '' Service instead of linking directly to a credit freeze application. Thees " bureaus '' are doing a POOR job of protecting my information, then want me to pay them to protect it, FROM THEM The sheer hubris of this in light of the failures by negligence of their actions in the first place is astounding.. Thank you for taking time to read my complaint.

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