BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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 XXXXXXXX {$540.00},, 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 XXXXXXXX these were settled years ago but change and sold to several other companies. Delete ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned 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 2023-05-23
Company: UNITED BANKSHARES, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MY MORTGAGE LOAN SERVICER IS UNITED BANK. 
LOAN # XXXX. 
I HAVE BEEN MAKING PAYMENTS REGULARLY. 
EVERY MONTH I AM ASSESSED A LATE FEE- THE REASON IS THAT THE PAYMENT IS NOT POSTED BEFORE THE LATE FEE DATE WHICH TYPICALLY IS THE MIDDLE OF ANY MONTH GIVE OR TAKE A DAY. 
I HAVE BEEN USING ONLINE BILL PAY OF XXXX  AND PAYMENTS ARE MAILED 7-10 DAYS BEFORE THE LATE FEE DATE. DESPITE RECEIVING PAYMENT IN TIME THE COMPANY DOESN'T POST IT FOR DAYS AND FREQUENTLY POSTS IT LATE AND THEN ASSESS A LATE FEE. THERE IS NO OPTION I AM TOLD OF MAKING DIRECT PAYMENT - LIKE FROM THEIR WEBSITE OR ACH. 
WHENEVER I CALL THEM THEY TELL ME THAT I CAN NOT TALK TO ANYONE IN THAT DEPT AND THEY WILL HAVE THEM CALL ME. THOSE calls HAVE NEVER BEEN RETURNED EVER IN LAST 5 MONTHS I HAVE BEEN HAVING THIS ISSUE. 

THIS IS REALLY PREDATORY BEHAVIOR. THEY ARE HOLDING ON TO THE PAYMENTS AND NOT POSTING IN A TIMELY MANNER. WHAT'S SUSPICIOUS IS THAT THE PAYMENT POSTING DATE IS ALWAYS ONE DAY AFTER WHICH THEY CAN ASSESS A LATE FEE. 
THIS SHOULD BE LOOKED INTO ASAP. 
THEY HAVE POOR CUSTOMER SERVICE AND ARE NOT SERVING CUSTOMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022, While running my credit report I found a fraudulent card that I have never opened up or an account that I have never held. It says that the card was opened on XX/XX/2022 with a {$20000.00} limit and {$10000.00} was charged.I have never opened this account, and I do not have an account with USAA. I need to know how to get this fraudulent activity off of my credit report. I called the company USAA at ( XXXX ) XXXX and they said they would get back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have asked XXXX  XXXX previous to the call to my employer on XX/XX/2018 at XXXX XXXX, to not call my employer again. I informed them of this again, when I called XXXX after the HR rep emailed me that they had called her office this morning. They did not follow the direction to not contact my employer the first time I told them about 2-3 months ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17
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:
XXXX  and Transunion are reporting incorrectly 120 plus days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 21 and 22 of the attached credit report. ) I have scheduled recurring payments on this account with XXXX XXXX. Payments are taken out on the XXXX day of every month. Attached is a copy of the confirmation of payment from XXXX XXXX Customer Service. These late payments appearing on my credit report are false. I make timely payments and have not missed a payment. This incorrect reporting is harming my credit score and these lates need to be removed from my credit report.

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: Experian Information Solutions 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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. 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 me 90 days late with no late payments prior to that? Also, wasn't XXXX 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 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: EQUIFAX, 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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. 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 me 90 days late with no late payments prior to that? Also, wasn't XXXX 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 2023-10-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE INQUIRIES XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2020, my wife and I sought to temporarily lift security freezes with the three major credit reporting agencies in connection with a mortgage refinance application. We had gone through this process several times in the past without issue. 

We lifted the holds at XXXX  and XXXX  online. When we tried to access our account online with Equifax, we entered our respective credentials and each time, we received an error message that said " We are temporarily unable to complete this request. Please try later again. '' I called the customer service number, and after a long wait, we were connected with a customer service associate who very patiently worked with me to verify my information and try to determine why we could not access our accounts. We worked to reset my password, and I still received the same error message. After confirming that there was no mistake on my end ( for example, wrong password, incorrect information entered ), the associate explained to me that he would have to escalate the situation to the IT department, and it would be at least a few days before the matter would be addressed. Until then, I would be unable to access my account. 

When my wife and I placed our credit freezes, we did so with the expectation that the freezes could be lifted easily and at any time. It is not only extremely inconvenient, but also potentially costly, not to be able to access our respective credit accounts -- even when Equifax 's representatives verified my identity and confirmed that we did nothing wrong in the way of providing information and setting up our accounts. 

In order for my spouse to lift the hold on her account, she faces the same long wait time and identity verification process that I went through this morning. The nature of her employment does not allow her to do this during regular business hours. This incident will delay the refinance of our home, and if rates should increase, it will cost us real money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$0.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2021-11-12
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
LVNV filed a lawsuit in the state of Virginia in the city of XXXX for a debt on a closed credit card account with XXXX XXXX XXXX which took place as a video meeting with the judge, due to COVID-19 in XX/XX/2021. I filed a dispute with the company, XXXX XXXX XXXX and the XXXX District Court House submitting interrogatories highlighting the validity of the debt and their legal licensing authority. I submitted a copy of the Fair Debt Collections Practices Acts within section 609 and the company was ordered to stop their collection practices and answer the interrogatories via a court rebuttal filing to me as well as to the XXXX County Court Clerks office. As of XX/XX/2021, LVNV continues to report negative impacts to my credit bureaus XXXX, XXXX and XXXX. Ive submitted disputes to these credit bureaus and have placed a lock on my credit file. Nevertheless, LVNV is still reporting negative balances with increases deterring my good credit rating. 

I am seeking removal of this account from all 3 credit bureaus permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. 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 me 90 days late with no late payments prior to that? Also, wasn't XXXX 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 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 2019-03-28
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Hello I have a XXXX account back In XX/XX/2019 there was a late fee which they said they would remove. I have called them twice now and both times they said its not them it's XXXX, experian, XXXX. Today 's date is XX/XX/2019. The other times I called XXXX was Back In late XXXX and XXXX. 

I was looking through my credit today and noticed it was never removed. Was told by the company that this is the best site to resolve problems so I am hoping this get resolves quickly as there should be no late fee 's on my XXXX account. 

Sincerely, 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 2015-08-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There was a summary judgement against me that was later dismissed. Experian still reports it as open. I filed a dispute in XXXX of last year, but they have n't updated it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: WELLS FARGO & COMPANY
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:
To whom it may concern, I tried to ask for your help however I just got a letter in the mail stating that someone submitted a complaint under my name without identifying themselves. 

What Identification documents do you need in order to proceed with the help I am asking about? 

I am attaching the letters I received from ya 'll and hope to get assistance to take a look at my case. 

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 non-monetary relief
Consumer complaint received 2022-03-01
Company: Resurgent Capital Services L.P.
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:
Hi my name is XXXX XXXX. XXXX has expressed to me in writing that my disputes will not be acknowledged because the account has been previously verified. The RESURGENT  account # XXXX .... and XXXX XXXX account # XXXX in reference continues to report on my XXXX file without proper verification or investigation. This is in violation of 15 U.S.C 1681i ( a ) ( 2 ). To prevent me from employment and financing opportunities these companies willingly commit aggravated identity theft by reporting this information without my consent. I am legally refusing to pay this debt pursuant to 15 U.S.C 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX and RESURGENT can provide me with sufficient documentary evidence that I have any legal obligations to pay them. Until this is done any reporting of this information in my credit report must be removed. They have no regard for my federally protected rights as a consumer. This is extortion and theft by deception. If these entities continue their unfair and incomplete reporting and debt collection tactics they will be held criminally liable for all damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
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:
I have disputed the inaccurate reportings with XXXX, Experian, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX : XXXX  is reporting a payment status of 90 days late, Experian is reporting no late payments and XXXX  is not reporting this account. XXXX XXXX XXXX : XXXX  is reporting a payment status of 30 days late, Experian is reporting a status of 30 days late, XXXX  is reporting a status of 30 days late. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX XXXX is reporting an open date of XX/XX/2019, Experian and XXXX  are not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX  considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, Experian and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2023-02-17
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I paid my debt in full to Receivables Management Corporation. I paid them {$760.00} plus a {$6.00} processing fee. I want this paid off debt reported to all of the Credit Bureaus, XXXX, XXXX, and XXXX, so it can be removed from my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX XXXX. My problem is an account with the XXXX company, this account only appears on my credit report with Experian, I have already tried to fix this problem with Experian by submitting an FTC report but Experian refuses to remove this account from my report because they say that the account is already paid, this is about identity theft or some confusion because this XXXX account is not mine they told me I had to talk to XXXX but XXXX says that I do not have accounts with us. I'm in the middle of a problem that I don't know how to solve, the last thing I do was a police report.

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