BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
After recently reviewing my credit report, I took notice that the Capital One Credit Card account is currently in a Charge off status. I sincerely would like to take care of this account as soon as possible. 
Due to XXXX & the loss of my job, unfortunately got behind on my payments and was unable to meet my obligations. 
However, since then my situation has greatly improved and I was able to pay the full amount of {$510.00} that I owed the company XX/XX/XXXX. 
After successfully paying off my credit card, I had attained knowledge from XXXX that my card had been charged off & it will sustain these charges until XXXX. I am not agreeing to a credit report that express such charges. There are various reasons as to why I do not agree & those reasonings vary. First, under the FRCA it ensures the accuracy, fairness & privacy of the information in credit bureau files. The accuracy on my Credit Report is invalid in many aspects. A charge off should appear when your credit card is 180 days past due, mine was not. On XX/XX/XXXX I made a payment of {$50.00}, which had been posted. The scheduled payment was set for {$25.00} which I had paid double that in attempts to pay off my debt little by little. From the XXXX of XXXX XXXX XX/XX/XXXX ( the date my account was charged off ) is not the 180 days needed to acquire an charge off and is inaccurate. Second, there are entries that state that I had not made a payment to capital one. For example on XX/XX/XXXX I made a payment of {$200.00} & it was flagged on my credit report that I had not made a payment for 30 days. Which is untrue. Amid that there are very contradicting entries as well, such as incomplete data on my payment history for dates I made a payment on. Lastly, Ive contacted both XXXX and Capital one to correct the information that is inaccurate and incomplete, which they must do legally, as well as remove the charge off from my account. Both companies did nothing about the issue & gave me the run around completely. Ive filed 3 disputes with XXXX so far & the charge off and inaccurate information has not been updated nor removed. I also have evidence of my balance amount on a chart that lowers around the dates that It claims I hadnt paid. How could my balance amount lower if there were no payments made? Receiving a charge that I did not rightfully earn is absurd. I wish for the charges to be removed & the inaccurate information to be updated. I believe this creditor has violated the FCBA as well as my own rights. I will not accept this charge as this will not significantly increase my credit score, nor will it reflect my sincere willingness to restore my good name and hopefully, someday, again gain the credit score & cleanliness on my report that I once had.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Experian Information Solutions Inc.
State: NY
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 disputing 3 accounts on my experian report that should not be on my report. XXXX account XXXX, this account is originally known as XXXX XXXX/XXXX XXXX which was removed and paid in the amount of XXXX this account was sent to XXXX which is not lingering on my report which should be deleted as per incorrect information i even tried speaking to several employees at experian and they were no help. Second account is university XXXX  XXXX XXXX balance of XXXX should not be on my credit report as this is incorrect. XXXX XXXX XXXX is the only one that should be on my credit report i have disluted this account over 60 days and experian does not remove it giving me a hard time. The third account is XXXX XXXX XXXX XXXX this account was paid in full and should be deleted off my experian credit report as this 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 explanation
Consumer complaint received 2019-01-17
Company: Riverwalk Financial Corporation
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report is showing this account as an open collections account. I spoke with their customer support and they assured me that they are not a collections company and I have confirmed that my account is up to date on its payments. 

I would like to have this collections account removed from my credit report as it is a current account and shouldn't be showing negatively on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made a dispute on XX/XX/2022 for the amount of {XXXX} somebody by the name of... sent them self money today date XX/XX/2022 somebody by the name of... sent them self XXXX they changed my password in was log in else where! I just recently changed my email in change my password but I didnt do any of these transactions in I want my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Earlier last year I contacted the bureaus and XXXX XXXX to dispute the debt. I informed the current manager once she called me that I was XXXX  and a XXXX and their policy was never to rent to XXXX, she even admitted it and said he doesnt know how XXXX XXXX could be rented in a XXXX XXXX name. I never received any written correspondence validating the debt and the bureaus validated the debt as valid. I received 97 months in XX/XX/XXXX with 3 years supervised release and they are saying that the apartment was rented in XX/XX/XXXX and my whole sentence didnt end until XX/XX/XXXX. Also this debt is gaining interest on it while it's in collections which I believe is a violation. I am attaching my paperwork from when i was sentenced in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: SC
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:
While checking my most recent credit report, I noticed unauthorized, false and fraudulent reporting inquiries made by the following companies : Inquiries in Dispute : 1. XXXX XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 2. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 3. XXXX XXXX XXXX XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; Experian, written permission or my consent to furnish this information onto my credit report or consumer credit file.

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
The bellow XXXX accounts were added to my credit file only once they went to collections. I didnt open either of these accounts and only discovered them in XXXX of XXXX. Both accounts are fraudulent and have been reported to identitytheft.gov. 

XXXX fraudulent account Originial creditor : XXXX XXXX XXXX Account # XXXX Amount owed : {$13000.00} Placed in collections : XX/XX/XXXX XXXX fraudulent account Originial creditor : XXXX XXXX  Account # XXXX Amount owed : {$2700.00} Placed in collections : XX/XX/XXXX 22

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 2018-08-02
Company: Elmview Management Services
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/18 ( XXXX PST ) - An unknown caller contacts me requesting to schedule a time to drop off legal/court documents. The caller would not provide his name, would not provide who he was representing. The caller provided a phone number ( XXXX ) XXXX. 

XX/XX/18 ( XXXX PST ) - I contacted the number provided by the " server '', XXXX XXXX speaking very quickly indicated that I was being served court paperwork on a past debt. He informed me that he was not able to elaborate until he was able to speak to his legal team, at which point I was placed on a brief hold. 

XXXX returned continued to resist identifying what the debt was in reference to and placed me on another brief hold and returned again. At which time he accused me of check fraud, at which time I asked him to clarify. This was quickly recanted. He indicated that I was going to be served with legal paperwork and that I was going to be sued. An additional request for information was prompted by me, he began to speak loudly and talk over me then hung up.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX card company, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MY MORTGAGE WAS SOLD TO SUNTRUST. I HAVE RECEIVED NOTICES FROM SUNTRUST, THAT MY HOMEOWNERS INSURANCE HAS NOT BEEN PAID.I ALREADY SENT PROOF OF MY PAID INSURANCE FROM XXXX MY INSURANCE CARRIER AND STILL NO SATISFACTION. 
MORTGAGE LOAN 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 2019-08-13
Company: Experian Information Solutions Inc.
State: ID
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:
Experian and XXXX are reporting incorrectly ( 30 ) days late on the XXXX XXXX XXXX - partial account number XXXX. ( Please see page 2 of the attached credit report. ) I had a second mortgage on a property that my brother and I owned. I have never been given a letter of demand from XXXX XXXX XXXX for the payment in full. Per the deed of trust, the payment in full demand must be made and not performed on to initiate foreclosure proceedings and verbiage on my credit. The inaccurate process and reporting on my credit is creating a financial hardship. I am unable to purchase a home with the credit reporting foreclosure. The second mortgage initiated a foreclosure on the property. We were never late on any mortgage payments and I have attached copies of the bank statements reflecting the monthly, on-time payment history. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have been unsuccessful.

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 2019-08-13
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
First Point Collections has been harrassing me for years about medical bills that were COVERED BY MY INSURANCE!!! I used to have this conversation with them often, until I eventually got tired of saying the same thing over and over again. All of my medical bills with this company have been paid through my insurance company. At one time it was XXXX XXXX XXXX, and the other it was XXXX XXXX XXXX XXXX. I have never NOT had coverage, and I know that these are covered expenses, as they have told me they were " lab fees '' These accounts should be removed from my credit report unless they can provide proof that the services were not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: SYNCHRONY FINANCIAL
State: VA
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:
On XX/XX/2018 the amount of {$1100.00} was paid on my behalf to a XXXX  office. The XXXX have been made twice because the first set did not fit properly the second set is a worst fit than the first. To make a long story short I have no teeth as of today and a set of XXXX  that are of no use to me. I have asked several times for the XXXX  office to refund the money to the credit card agency and they have refused.The credit card agency is siding with the XXXX  on all of the disputes that I have made with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: JPMORGAN CHASE & CO.
State: MD
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:
Chase Bank recently screwed me on 2 disputes ( over {$1200.00} XXXX because of their mishandling of the complaint ( closing the dispute without reviewing the info sent by fax and mail ) and not caring. I have no desire to do business ( {$66000.00} in the past 31 months ) with them much longer. I am unable to get a new credit card because of the way they report to XXXX, XXXX, and XXXX. All three Bureau 's are receiving the information the same way for Balance, Scheduled Payment, and Amount Paid. 

JPMCB Card Services is reporting the Balance and Scheduled Payment each month to all three. JPMCB Card Services IS NOT REPORTING THE AMOUNT PAID EACH MONTH TO THEM. XXXX  and XXXX  is showing {$0.00} for Amount Paid while  XXXX  is reporting ND for no data. Normally this amount is paid in full or extra each month because I add up the future charges. 

When applying for new credit cards, my application has been rejected because there is no monthly " Amount Paid '' being shown on this revolving account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
i have asked for the company to update the credit reporting, the account should be removed, its past 7 years.

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 2018-07-27
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: Account status incorrect

Complaint:
I filed a complaint with the CFPB to get validation for the XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-15
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: Their investigation did not fix an error on your report

Complaint:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent letters repeatedly to XXXX, XXXX, and Transunion asking them to validate and even show me their method of verificatiion for these fraudulent accounts on my record. I have sent numerous letters to the creditors and this bankruptcy court in XXXX, TN only to have my letter returned right back to me more than twice. I am reaching out to the CFPB for some kind of resolve before I seek legal action. 

The following accounts and inquiries are not mine : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX Bankruptcy Chapter XXXX - Dismissed - XXXX Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/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 XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 explanation