BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-18
Company: PRESTIGE FINANCIAL SERVICES INC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased my vehicle in XX/XX/2019 with Prestige as the lender. My wife and I were fully taken advantage of as we were in the middle of a bankruptcy and needed a reliable vehicle. I have been making on time payments on this vehicle for almost a year. I have paid in XXXX and only XXXX has been applied towards my principal. That means over 75 % of my payments are being misallocated, and that is an illegal practice. I want my payments to be retroactively and appropriately allocated to where only 19.24 % is allocated to interest and the rest is put towards my principal. I know that what is being done is illegal, and I am looking at my legal options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
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: Was not notified of investigation status or results

Complaint:
I have mailed off several letters disputing all of the inaccurate information that continues to be reported to my credit report and is seriously affecting my profile. I have sent dispute letters to all XXXX, Equifax, and XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have yet to receive any investigation results or correspondence to show that the errors on my report have been deleted or at least a status of the reinvestigation I requested. The specific accounts in total error that I disputed and that should have been deleted from my credit reports months ago are : the 3 inaccurate late payments on XXXX XXXX XXXX XXXX. The erroneous late payments are being reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but the dates are inconsistent across each credit bureau. I have requested a reinvestigation and proof of how this information was verified with the original creditor and have received no results or proof of verification. This is unacceptable. The other erroneous accounts on my reports that I disputed are with XXXX for a {$0.00} balance, XXXX XXXX {$0.00} balance, XXXX XXXX XXXX XXXX collection with balance of {$2200.00} lease is inaccurate. XXXX collection account with a balance of {$250.00}. XXXX XXXX account reporting inaccurate and inconsistent high credit limits across each credit bureau. XXXX XXXX XXXX collection with reporting balance of {$130.00} is inaccurate. And XXXX XXXX XXXX XXXX collection showing a date of last payment as XX/XX/XXXX is also inaccurate. 

The number of errors on my report, in addition to inaccurate spellings and versions of my name, inaccurate addresses, and duplicate social security numbers on my report are outrageous. I have disputed all of this and I have high concerns of being at risk for identity theft with the credit bureaus not taking accountability for their reporting errors and deleting this misinformation as soon as possible. I have received no reinvestigation results or removals of the information listed above that is impacting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Select Portolio servicing trying to payoff and sell my home. Company not providing correct POA to title company. I have called and been given run around. This issue has been going since XX/XX/2020. I need help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Experian Information Solutions Inc.
State: SC
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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT HAVE CAUSED SEVERE DAMAGE TO MY CREDIT FILE. THESE ACCOUNTS ARE REPORTING INACCURATELY AND I WANT TO REQUEST AN INVESTIGATION INTO THIS MATTER TO HAVE THOSE ACCOUNTS PERMANENTLY REMOVED OFF MY CREDIT FILE.

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 2020-07-18
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:
Please investigate and delete disputed items that are listed on my consumer credit report : XXXX XXXX account 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 2019-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Bank of America has a credit card bill/balance pay feature that overcharges my personal checking account leaving me with an enormous account credit. I then must call Bank of America, request the account credit that they erroneously charged me ( Most recently, {$1000.00} ). They then mail me a check for the amount in 7-10 business days. Between my account and my wife 's account, this has happened at least three times. 

This practice puts me at risk for overdraft in my personal bank account from which I draft these payments. Additionally, it seems absurd that Bank of America can not match the payment billed to the amount ACTUALLY OWED ON THE ACCOUNT. 

Furthermore, when I call Bank of America, the automated system offers the option to request my account credit as the VERY FIRST OPTION. This shows that Bank of America knows about this problem and has yet to do anything to fix it.

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 2020-09-12
Company: Nelnet, Inc.
State: MA
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:
Good day or happy Saturday! How are you doing? I was shocked today when I reviewed my credit report again and found questionable information still on my fed student loan accounts from DEPTEDNELNET. All 4 of them! I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported that you investigated as accurate if it's still reporting questionable balance, inconsistent account number, name, dates of open, etc? Also, wasn't Navient student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was accused of using a credit repair company and I am not. I dont see how someone exercising there right to dispute is using a repair company. This is my problem Ive sent multiple attempts to get this issue resolved Im demanding a reinvestigation of the issue

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 2023-05-31
Company: EQUIFAX, INC.
State: NJ
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 strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
I obtained my credit report online and based on my findings there was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

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 2023-05-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX Account Number : 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 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.

I want all accounts removed immediately!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I dont know what is going on and why this showing up on my report I would like this permanently removed and wish for this not to happen again thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: GA
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:
the XXXX credit bureaus ( XXXX, Equifax, XXXX ) are violating my rights to privacy by reporting on my personal credit, and bankruptcies without my consent. 
Laws violated ; 15 U.S.C. 1681 # 5 15 U.S.C. 1681 # XXXX XXXX CASES AND NUMBERS ; Case # XXXX XXXX  XXXX XX/XX/XXXX Case # XXXX XXXX XXXX XX/XX/XXXX Case # XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX   XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX   XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2023-06-26
Company: EQUIFAX, INC.
State: VA
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 sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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:
XXXX XXXX XXXX XXXX acct XXXX {$2000.00} I was never late on the loan because it was auto payment. In XXXX It shows inconsistencies between all three reports showing 6 late payments in XXXX and one late payment in XXXX. This is false and inaccurate. There's late payment in different years in each report XXXX, XXXX, and Equifax and all dates are inconsistent and different. There was no late payment because I had auto payment directly from my bank for auto loan. This account has been in my credit report for over 7 years. 

XXXX  account XXXX XXXX is inaccurate in all credit bureaus equifax, XXXX and XXXX  I was on a deferred loan because I was attending XXXX at the time. There shouldnt be no payments. In XXXX shows one late payment on XXXX. 

XXXX XXXX XXXX account # XXXX, {$2200.00} I reported identity theft and purse stolen along with credit card which was used and should have been closed. Shows late payment XXXX XXXX XXXX. The card does not belong to me. This account has been in my credit report for over 7 years. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, XXXX  XXXX account # XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15U.S.C 1681 section 602A States I have the right to privacy.

15U.S.C 181 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hello I submitted XXXX FTC Complaint reports XXXX on XX/XX/XXXX and second one on XX/XX/XXXX because the first one was ignored by the bureaus I am a victim of identity theft and someone is using my information to open up fraudulent accounts in my name. They need to delete these accounts, addresses and inquiries they are FRAUD. The bureaus keep just adding remarks and removing them and closing accounts after I have requested countless times for them to investigate these accounts

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 2020-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it may concern : I am writing to you regarding the following Capital One account : opened date : XX/XX/2018, limit {$2000.00}. 

I am very affected because of this situation, I have XXXX XXXX  and some other damages. Capital One is being unfair, negligent, and they are also committing multiple violations to my rights as a consumer.

Here are some of them : 2. Not being able to obtain loan.

3. XXXX XXXX

4. Unfair business practices.

5. Negligence.

6. Failing to mark account affected by natural disaster.

7. Failing to mark account as disputed. 
etc. 

I am opened to discuss this with Capital One. I have make my research, and created some documents for Capital One. I know these gys will take this seriuosly. They have always been known by their human side and fairness.

Please send to Capital One the documents that I have uploaded.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion report XXXX This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-07-18
Company: HW Holding, Inc
State: MD
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 called the company several times and explained that the account does not belong to me. I called all three credit bureaus and reported incorrect information on my report. I submitted a paper dispute to all three credit bureaus and asked for the incorrect information to be removed from my credit reports. I wrote to the companies as well and requested to have the account removed from my credit report. This is an error. My last name, my social security number and birth date does not match the person that owe this debt.

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 2021-01-24
Company: SYNCHRONY FINANCIAL
State: IL
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:
In XX/XX/2020, I setup a hardship payment plan with PayPal credit. In agreement with the plan, an auto payment was setup monthly of {$110.00}. PayPal has charged me {$40.00} late fee each month, despite the payments being on time. I contacted them to get a refund for the late fee from as far back as XX/XX/2020, and they refused.

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