BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed today ( XX/XX/2023 ) that Capital One has reported to my credit report that my accounts were past due in XXXX. It is accurate but I noticed that their were two other inquiries in XXXX reporting the same information. That is a total of four. Please remove two of those inquiries since I only have two accounts and you should only be reporting one inquire for each account per month. I also have a separate issue where I am not showing my payment is being applied. I will pay around {$55.00} and it will not bring it out of the negatives. If it is possible, can I please get an itemized statement showing where my account was at for each purchase and what it looked like after I made the payment? I have never had any other problems outside of these problems

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
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:
There are currently numerous collections and inquiries listed on my report that I have no knowledge of. I did not initiate to open these accounts or inquiries, whereas they are a result of fraud or malpractice.

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 2017-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX/XXXX/XXXX, I called Transunion @ XXXX XXXX XXXX regarding them removing all of my inquiries last year between XXXX - XXXX. I advised the representative XXXX XXXX XXXX that Transunion removed all of my inquiries from my credit report and put them back without giving me a 5 day notification in the mail. The overseas representative asked me which inquiries did I want to dispute. I then advised the representative that they deleted all of my inquiries and not just some during the time they had the system issue. I gave the representative all of the inquiries in question. The representative put me on hold to check their system. The representative came back on the line and told me that I was not one of the consumers affected by their inquiry glitch and went on to tell me about how hard inquiries appear on my credit report. 

I decided to lodge a complaint, because I refuse to call them and go through that torture again!!!

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 2018-10-01
Company: AMCOL Systems, 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:
Filed dispute with XXXX for two ( 2 ) transactions for XXXX each for Amcol Syst. These are supposedly collections for XXXX XXXX XXXX. The two amounts in question were removed by XXXX   XXXX XXXX based on information provided to them via phone and fax in XXXX on XXXX. They advised I would be relieved of the amount owed and it would be considered a XXXX balance. XXXX   never sent a further bill. On XX/XX/XXXX, I was notified of two ( 2 ) collections items being reported for the above mentioned items. I filed a dispute and equifax simply verified the name and address and said it was valid. No actual investigation was done. To date, I have not received any correspondence from someone called Amcol syst.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: DE
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. 

Account name : # XXXX, XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX 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.

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 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Transunion, XXXX  and XXXX  are allowing XXXX XXXX to report a Bankruptcy in which the Federal Bankruptcy Court is not reporting. I do not have an account with XXXX XXXX  or a contract. The federal bankruptcy court is not verifying my personal info to XXXX XXXX and it is illegal for a third part to report of verify such information in which they were not a party to. 

The same three credit bureaus is further violating my constitutional rights by allowing XXXX XXXX to report a civil judgment from the XXXX County Tennessee Court that is marked satisfied. I do not have an account with XXXX XXXX and they are reporting a collection of {$4900.00} when the court has marked the judgment satisfied. This is a violation of the Fair Credit Reporting Act. 

The same three credit bureaus is again violating my constitutional rights by allowing the Tennessee Dept. of Human Services to report a civil judgment from the State of Texas. They have been incorrectly reporting and will not allow me a hearing for the negative reporting. State law forbids adverse credit reporting without the opportunity of a hearing. They have removed {$13000.00} from my credit, but should not allowed to report anything that was not entered by the State of Texas. Moreorver, the state law only allows them to report on accounts that are over {$1000.00} past due. I am not past due on an agreed upon judgment in Texas.

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 2017-09-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Due Date : XXXX of every month Payment Received : XXXX/XXXX/XXXX - {$73.00} XXXX/XXXX/XXXX - {$52.00} XXXX/XXXX/XXXX - Late Payment of {$15.00} assessed, reduced to {$8.00} XXXX/XXXX/XXXX - Contacted NAVIENT regarding late fee advised late fee was for month of XXXX and XXXX XXXX but could not provide clear amounts. I requested a statement showing that this outstanding balance was for late payment in XXXX and have not received anything and was told they do not need to show proof that this was for a late payment, no late payment is listed on the statement, instead the {$8.00} amount is listed under " other fees '' however on my online account shows " late fee assessed ''. The {$15.00}?? amount is not listed anywhere. The representative could not even provide me the correct amount of the late payment. 

XXXX/XXXX/XXXX - Late Payment listed on the account and advised by NAVIENT that if I feel I must complain they do not need to show proof or a breakdown or any notice of what fees are for. I was next told I probably " missed '' it on my account when I had automatic payments set up. Supervisor told me, " If it makes you feel better go and file a complaint we are not providing documentation showing the " other fees '' as late fees nor will we provide documentation with a breakdown showing the amounts of the late fees and what months they were for. Says " late fee '' was assessed by XXXX but could not show proof. 

Also now that they " waived '' part of the {$15.00} I have nothing to connect it with and no idea where they got this amount from. Late fees should not be assessed by a prior Loan Servicer 4 years after the fact. Makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ( original creditor ) and XXXX  ( one of their collections offices ) has a history of arbitrarily assigning other people 's debts to me for no apparent reason. I have been a victim of this fraudulent practice on several occasions and my credit score was temporarily negatively impacted as a result. In the past, when a dispute was submitted and an investigation was requested by Transunion regarding the practice, the incorrect information was successfully removed within weeks. My most recent request for Transunion to investigate XXXX 's fraudulent acts, however ; was deemed " completed '' by Transunion with it stating that the information was accurate, which is not possible. It is apparent that Transunion made no actual attempt to verify debt and opted not to research and/or request verification from XXXX I've included a page showing the current account in dispute as well as a letter from Transunion from XX/XX/2017 showing where two other miss-assigned debts, each all from XXXX, were successfully removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I need help enforcing the Fair Credit Reporting Act, the following accounts have violated my rights. 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN consent. Federal law overrides any company policy, Pursuant to consumer law 15 USC 1681b-permissible purpose. This company is listed on my consumer credit report several times. I want them removed from all 3 credit reporting bureaus. I have filed an FTC complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: COOLEY ENTERPRISES INC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Hello CFPB, On XX/XX/2018 I called XXXX XXXX Cooley/XXXX XXXX Talk to supervisor XXXX. Advised my loan # XXXX and my account # is XXXX. Told her that I filed Chapter XXXX Bankruptcy and my case number is XXXX. Supervisor XXXX said I would not receive anymore calls from XXXX Cooley finance during my bankruptcy. She also said that she knew that it would be a FDCPA violation for XXXX Cooley to call me during my bankruptcy. 


I am still receiving harassing collection calls from XXXX Cooley Finance. There collectors tell me that they will continue to call me. This is a violation of the Bankruptcy collection laws and its also a violation of the Fair Debt Collection Practices Act. On XX/XX/2018 received a call at XXXX from phone number XXXX collector name XXXX left voice mail said I need to call XXXX XXXX Cooley XXXX On XX/XX/2018 XXXX received call from XXXX collector name XXXX XXXX XXXX Cooley Finance . Talk to XXXX and she said that I will continue to receive collection calls from XXXX Cooley/XXXX  XXXX because my account is not coded as a bankruptcy account. 

Address XXXX Cooley Finance XXXX XXXX XXXX Company XXXX XXXX XXXX XXXX XXXX, Texas XXXX Companies have had to pay very stiff fines for committing these violations. Could XXXX Cooley receive a letter from the CFPB letting them know that they have committed these violations? 

Please let me know Thank You, XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-03-09
Company: Aargon Agency, 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:
Aargon Colletion Agency XXXX Aargon Collection Agency reported XXXX late payments on my credit history, knowing in fact it was an error because they removed themselves off the report but not before removing the late payment history resulting my score lowing by XXXX points. This malicious and devious behavior is why I reported them to XXXX!!!! I even called customer service through XXXX  on XX/XX/2019 to have them explain the situation to me in which they verified on XX/XX/2019 Aargon Collection Agency reported XXXX late payments. I do not have games to play with this company. I would like them to remove the late payments off my record as it is there by error.

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 2020-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
XX/XX/2020 BoA closed my account from XXXX and took my money in the account. There was no warning no reason they STOLE our money and we have gotten no reply. If it was so easy to take it then it should be easier to give it back with repercussions. This has effected my credit score inability to pay bills my house, I am now downsized to a smaller rental my sanity

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 2023-06-06
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ever since XXXX XXXX, I started to contact AmeriHome Mortgage for the mistake withdraw my escrow account. I sent all the proof but they refuse to refund me the double paid money. The story is : Loan Statement XX/XX/XXXX showed that USD XXXX and USD XXXX from my escrow account were paid for the property XXXX XXXX XXXX XXXXXXXX TX XXXX for tax and MUD. In fact, AmeriHome Escrow paid wrong figures of tax and MUD in XXXX XXXX. So, AmeriHome Escrow paid right figures of tax XXXX and XXXX MUD in XXXX. XXXX. This means, AmeriHome paid twice tax and MUD from my escrow account. 
Ameri Home Should have the wrong amount refunded to me. But they did not.

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-08-19
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Two weeks ago, I was notified by the XXXX XXXX app that my previously excellent credit score had dropped 200 points. Upon viewing my credit report, I learned that XXXX XXXX ( account # XXXX ) had reported to the credit agencies that my credit card had a {$75.00} delinquent balance that was 30 days late. My problem is that this credit card, which I have had for 10 years, is used only to back up my checking account in the event of an overdraft. Unbeknownst to me, I did not have automatic payments set up. Furthermore, despite their claims, XXXX XXXX never communicated with me by telephone conversation, a letter, or an email to notify me that my account had become delinquent. Had I known, I would have paid my balance immediately. I have tried numerous times to speak with someone in the XXXX credit card collections department with no success. XXXX has severely and unfairly damaged my credit score because of their lack of transparency and apparent goal of protecting their company 's version of the truth. I have been told by several managers in their credit card department, who are not even working on XXXX 's investigation of my complaint, that the company tried numerous times to notify me, which is completely false. I have a mortgage and multiple banking accounts in good standing with XXXX. I do not understand why XXXX would allow my credit scores to be so badly damaged by a single oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Two weeks ago, I was notified by the XXXX XXXX app that my previously excellent credit score had dropped 200 points. Upon viewing my credit report, I learned that XXXX XXXX ( account # XXXX ) had reported to the credit agencies that my credit card had a {$75.00} delinquent balance that was 30 days late. My problem is that this credit card, which I have had for 10 years, is used only to back up my checking account in the event of an overdraft. Unbeknownst to me, I did not have automatic payments set up. Furthermore, despite their claims, XXXX XXXX never communicated with me by telephone conversation, a letter, or an email to notify me that my account had become delinquent. Had I known, I would have paid my balance immediately. I have tried numerous times to speak with someone in the XXXX credit card collections department with no success. XXXX has severely and unfairly damaged my credit score because of their lack of transparency and apparent goal of protecting their company 's version of the truth. I have been told by several managers in their credit card department, who are not even working on XXXX 's investigation of my complaint, that the company tried numerous times to notify me, which is completely false. I have a mortgage and multiple banking accounts in good standing with XXXX. I do not understand why XXXX would allow my credit scores to be so badly damaged by a single oversight.

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 2021-01-26
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. 


Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX ACCT # XXXX {$650.00} Date : XX/XX/XXXX Creditor : LVNVFUNDG ACCT # XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation