BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This issue is an existing problem which credit bureaus weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. All they gave me was a paper print out stating the account was verified. This is against the FTC Law and payments were sent timely on this account and was never late..CFPB step up and fix this error Reverse the late payments on 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 2023-07-03
Company: Experian Information Solutions Inc.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-01-14
Company: CarMax, Inc.
State: NV
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:
Unfortunately I have become a victim of identity theft over the course of the last 10 years that I am just now finding out about. 

Unauthorized collection accounts from identity theft : 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 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 XXXX XXXX Some of the inquires listed above have mulitple postings to my credit report. I have always lived at home with my parents. I have never lived on my own nor have I ever had utilities in my name. I believe my identity has been compromised for over the course of about 10 years. I have not been able to recognize a lot of the information on my reports and I am utterly concerned and would like to address this immediately. 

I have attached to this report, the FTC report that I have sent to all unauthorized closed & charged off companies, as well as to all soft/hard inquiries and they are verifying inaccurate information. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
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: Application denied

Complaint:
We applied online for a Capital One Venture card that came with a XXXX point bonus on XX/XX/2018. We received an email that it would not be approved and a denial letter on XX/XX/XXXX. The denial reasons stated vary, including length of credit history, amount owed on account too high, proportions to high, and too many accounts with balances. The Credit agency is XXXX  and my credit score is XXXX. I have a copy of the report and nothing matches their reasons. We work very hard to maintain a clean report and have no history of fraud. 

I contacted the Application department on XX/XX/XXXX and spoke to XXXX. The recorded conversation should be reviewed as XXXX was completely helpless. On XX/XX/XXXX I sent a certified letter to Capital One request a review. As of XX/XX/XXXX, I have had not response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: Renton Collections Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was paid by insurance.I never got a bill from them.How can it be reported and sent to collections if I never got a bill for anything.I live in another state and this is from Washington.The amount they are claiming I owe is XXXX.This is wrong.It don't pay to get medical help when your from out of town. You get ripped off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
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: Account information incorrect

Complaint:
I am interested in disputing my credit report with Equifax checking my file ive noticed alot of invalid information that is hindering my file. all data should be 100 % accurate on each file and it is currently not. update all information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: BARCLAYS BANK DELAWARE
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Made a purchase with XXXX for a XXXX XXXX XXXX XXXX for XX/XX/XXXX - XXXX, total of a little over {$1900.00}. The property was advertised as a paradise location, however when we arrived, we found the jacuzzi was dirty, the couch was sinking in the middle, cobwebs were in the light fixtures above the bed, the fridge light was not working and was not cooling the food we brought, the microwave sounded like it was about to explode, the TV in the bedroom was not working, the water pressure was extremely low, the dryer shut off after 4 minutes and there were termite droppings in two locations of the small kitchen. Called the company, who immediately cleaned the jacuzzi, but we waited four days for a response on the other issues from their local office. Per XXXX XXXX regulations, the company management 's phone number should be posted on an outside sign, which it was not. Once the local office called back, they sent someone to fix the TV, fridge and dryer. Nobody came to clean the light fixtures or address the other issues. The day before check out, the air conditioner went out. The company said someone would come within 1 hour, which they did, but shortly after leaving, the AC went out again. The maintenance worker told us that the system was " rigged '' to work, and made adjustments for it to continue to work until we would check out ( by removing an auto-switch off if the water ran out ). As part of the Fair Billing Credit Act, I disputed the charge with Barclays, who ultimately stated we were billed appropriately. XXXX only offered a one night refund ( {$110.00} ), and the entire vacation was ruined due to the unpleasant condo unit. On the first day when we waited 15 minutes to have someone let us in, because the lock code was not working, we requested another condo and were denied. We are requesting a full refund due to the unsafe living conditions we were in ( TERMITES IN KITCHEN ) and will not request a refund for the food we had to throw away due to a faulty fridge.

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 2021-05-21
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2021 {$320.00} Contacted about the wrong amount.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 I received a text message from Huntington Bank stating that my account had been XXXX and included a link to " restore '' the account. 
The text came from XXXX The link is to : https : //huntington.comXXXX I do NOT have any accounts with this bank. 
I have not clicked on the link and will block the phone number the text came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Sears says i was late. I don't think I was late

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 2019-08-20
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have had the mortgage loan with Ocwen for several years, and underwent a modification. We had no issues with Ocwen or application of payments and have had the payment automatically drafted from our checking account for a long time.Servicing was transferred to PHH Mortgage Services effectiveXX/XX/19. All of the payments until this time have been automatically debited from the same account for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.OnXX/XX/19 PHH sent a form letter stating the automatic payments have been cancelled and this letter listed a number of reasons. I called them today at XXXX XXXX ET and spoke with XXXX, operator XXXX, who informed me that persons in active bankruptcy or those with a discharged bankruptcy are not permitted to have payments automatically drafted via ACH. When I requested a copy of that policy in writing, he stated the letter is the written policy. He did not transfer me to an escalation specialist as he said he would, but simply told me this letter is the written proof I need. I did advise we would have this situation reviewed by our attorney. I also advised him that we just re-enrolled for automatic payments through their website again. He stated that the request needed to be reviewed and may not be approved.We have built up almost 100,000 in equity, and are concerned that they may be using this as an excuse to foreclose if they don't get our payments. Can you please investigate this and provide us with an update?Thank you very much.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: WELLS FARGO & COMPANY
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 VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED A SECURED CREDIT CARD WITH WELLS FARGO, I HAVE NEVER SEEN THE CARD, I HAVE NEVER AUTHORIZED THAT SECURED ACCOUNT TO BE OPENED. I COME FROM A COUNTRY WHERE EVERYTHING IS CASH HANDLED AND I DONT BELIEVE OR TRUST THE CREDIT CARD CONCEPT. IF YOU LOOKAT MY CREDIT REPORT YOU WILL SEE THAT I DONT HAVE NAY CREDIT CARDS, NO AUTO LOANS, NO STORE CREDIT CARDS. THE WELLS FARGO SECURED CREDIT CARD IS FRAUDULENT, ITS NOT MINE.

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 2020-10-30
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting collection notices in the mail from a company called CONVERGENT who claims they are authorized on behalf of XXXX to collect a debt owed to them. I never had a XXXX account, and I just called them to confirm that no one else has created a bogus account with my info- They said I would have have received collection notices first from XXXX themselves, and they also said they have never even heard of this company, CONVERGENT. I am weary about calling CONVERGENT myself to dispute their false claim, b/c I suspect they are a fraudulent company, so I'm not going to call them and give them any more of my personal info. I have tried to report them to the XXXX, but b/c they are a non-accredited business, the XXXX  can not take any further action besides lodging my complaint. I've read other bad things about this company, CONVERGENT, sending out bogus collection notices, and some people even claim they affected their credit history negatively. So I'm reaching out now to the CFPB to make you aware that this company is fraudulently reporting false debt owed by me to XXXX when none exists. 

Thanks, 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 2019-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
Re : Capitol One Auto Finance, XXXX XXXX. XXXX XXXX, XXXX, TX XXXX There are 2 Hard Inquiries on my XXXX credit report that I did not sign for, or authorize. I did not apply for credit with this company. The inquiry date are as follows : XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXX {$550.00} XXXX XXXXXXXX {$720.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$1100.00} XXXX XXXX  XXXX {$0.00} XXXX XXXXXXXX {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
Please be advised that you need to cease with telling me I'm late ... by email ..letters to my address or phone. Or any means... so also stop with your auto reminders that I'm late ... I'm obviously aware I retained an attorney ... you can reach him at XXXX XXXX XXXX Address -- XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-06-02
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
# # # # ***Hello, my name is " XXXX XXXX ``. I have been trying to make some changes in my credit report since i saw some incorrect information about, some of my addresses and all of the employment information. ***These information are not belong to me and have no relation tight to our business. I see that it is really capable of having bad effect in my credit report so i demand to have all the false information change!!!!!! 
Here are the name, addresses and employment information that need to be removed immediately. 
************************************** *EMPLOYMENT INFO -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX , WA XXXX ************************************* XXXX XXXX XXXX XXXX , WA 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 2022-06-13
Company: Experian Information Solutions Inc.
State: KY
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:
( No subject ) [ Draft ] This message hasn't been sent. 
Saved on : XXXX XX/XX/2022 XXXXXXXX XXXX  This Credit Bureau systems has never contacted me. The only reason I'm aware of their existence is because they are continuously reporting this to the credit bureaus. I have tried to fight some on my credit report but they remove it then it shows back up. I never received a bill from the original company. How can I pay something I never even received a bill? 

Debt collectors must speak to my by phone or in person about the debt or mail a letter or electronic communications about the debt and wait for a reasonable amount of time ( usually 14 days ) to ensure it was delivered before reporting anything to credit reporting companies. This never happened. I never received anything, you can not just ruin someone's credit when you don't give them a chance to pay! This is deceptive, I don't know the amount I owe cause I never got the bill! I believe they are trying to claim way more than what I should owe. The debt collection company has to provide me with Name and mailing information of the debt collector Name of the creditor whom the debt is owed Account number associated with the debt An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date, called the itemization date. 

The current amount of the debt as of when the validation notice is provided. 

Information about your debt collection rights including how to dispute the debt I never received any statements or bills and the original creditor had my phone number and correct mailing 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 non-monetary relief
Consumer complaint received 2018-10-02
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 is missing that should be on the report

Complaint:
To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT : XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXXI HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a
complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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