BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: EQUIFAX, 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:
This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any accounts 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 Date Opened : XX/XX/XXXX Balance : {$45000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and Transunion and XXXX XXXX XXXX with no successful resolution. XXXX and Transunion are reporting me late. There was definitely an error on their part. I was never 30 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took out a mortgage loan with XXXX XXXX XXXX  XX/XX/XXXX, first payment due XX/XX/XXXX. The loan was {$98000.00} financed, principal {$100000.00}. when I asked for a pay off XX/XX/XXXX, it was {$80000.00} plus Deferred Balance {$29000.00}, which bring the pay off to {$100000.00}, this is more then the original loan in XX/XX/XXXX. I question XXXX about the Deferred Balance, I was told it was all the late payment and interest payment. This was never explain to me during the duration of the loan. I am on a fix income, I am trying to get this loan so I can pay it off within the next ten years. The interest rate is 11.351 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Javitch, Block & Rathbone LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX XXXX has sued me for a XXXX XXXXXXXX XXXX credit card. I have told them that this was identity theft, and written detailed letters to them, and to the court. Since they persist, I told them of debt owed to me, in the amount of {$5000.00}, by XXXX XXXX. Address : XXXX XXXX XXXX, # XXXX, XXXX, TX XXXX Business address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. After I was sued, I asked her for repayment. She came to XXXX and assaulted me, XXXX police report # XXXX. Then, she started paying me {$200.00} a month. I ask that Javitch have her pay them instead, and drop the lawsuit. If they insist on repayment of the full credit card amount, they should sue her on my behalf due to the assault. I am XXXX, and my primary source of income is Social Security XXXX payments. Javitch will not answer my calls or emails about this matter. Very strange that debt lawyers are the ones refusing calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CAPITAL ONE BANK USA sold my debt to XXXX XXXX XXXX. I paid XXXX XXXX XXXX and I was told that XXXX XXXX XXXX sent CAPITAL ONE BANK USA notice that the debt was paid. 

I have continuously disputed this with all three Credit Bureaus and each time CAPITAL ONE BANK USA replies, they continue to update that the amount is owed to them. I am attaching the letter from XXXX XXXX XXXX as evidence that the debt is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: EQUIFAX, INC.
State: LA
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:
Throughout the months of XXXX and XXXX I diligently started working on my credit profile and monitoring the activity on it to make sure I could rebound as efficiently as possible from my past missteps. I noticed an old account on my report from XX/XX/XXXX on my report that was purchased by XXXX , XXXX. The date showed ( XX/XX/XXXX ( 4 yrs, 8 mos ) ) in the amount of ( {$640.00} ). On XX/XX/XXXX, I contacted XXXX , XXXX to get clarification ; a female representative kindly addressed my request to provide me with all the dates associated with their collection account. She provided me with the following : ( 1 ) Date of origination : XX/XX/XXXX ( 2 ) Date Delinquent : XX/XX/XXXX ( 3 ) Charged Off/Canceled : XX/XX/XXXX ( 4 ) Date Purchased ( by XXXX , XXXX ) : XX/XX/XXXX ( 5 ) Date Updated : XX/XX/XXXX I immediately contacted XXXX  to alert them of my conversation with XXXX , XXXX and the erroneous information and within ( 7-10 ) business days, my report was updated and the collection was removed from my XXXX  credit profile. I then contacted Equifax and followed the exact same process, it took them ( 20 ) days but their investigation yielded a less than satisfactory outcome and their explanation was very half-hearted and they insisted that the subsequent burden of proof lie on me not them. 

I have since located emails that correspond with the date of the ( XX/XX/XXXX ) reported delinquency that the XXXX , XXXX representative gave me over the phone. The date that they [ XXXX , XXXX ] are reporting is false and I feel that they are wrongfully taking advantage of me as a consumer by manipulating their reporting data in effort to keep this collection active.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i disputed inquiries with XXXX to remove my inquires. they never gotten back to me. i never applied for these inquires. They do not belong to me. I Called XXXX several times regarding these inquires. I keep getting transferred, and they both will not provide me with any confirmation numbers. i 'm really hope you can do this investigation to help me dispute these inquiries on my report! thanks!

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 2017-10-16
Company: Resurgent Capital Services L.P.
State: WA
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 trying for quite a long time to get a XXXX XXXX collection item removed from my credit report. I have NEVER had any consumer relationship with XXXX. I have been with my mobile provider ( XXXX ) since XX/XX/XXXX and I 've had the same phone since that service began. 

I have written Pinnacle ( Resurgent Capital Services ) before, most recently was XX/XX/XXXX and I demanded validation of debt. All they sent me was a XXXX billing statement with some small printed terms and conditions. Nothing signed, nothing proving it was me. The reason being is because they ca n't. Such documentation does not exist because I have never done business with XXXX. 

I am sending them yet one more letter today as my last written attempt to get them to delete this item once and for all. There is no point in me asking for better documentation because again, it does not exist. 

I am turning to you, the CFPB, to come in and save the day here for me and my family. I am a very credit conscience person and this derogatory trade line is impacting my ability to create new relationships with prospective lenders and I 've taken all the necessary steps to rectify the matter, but to no avail. Please act swiftly enforce some action here, I 'd be greatly appreciative of your efforts. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: MI
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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$490.00} DP OF EDUC XXXX Balance : {$6300.00} DP OF EDUC XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXI ) XXXX Balance : {$890.00}

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 2020-06-23
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$25000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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:
Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX, and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : OFFICE OF THE ATTY GEN XXXX Balance {$12000.00} ; ATTORNEY GENERALXXXX XXXX Balance {$8300.00} ; XXXX  CHILD SUPPORT ENFORE XXXXX Balance {$8000.00}

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 2021-07-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX company has not reported my two paid off auto loans to Experian credit bureau They have reported them to XXXX and XXXX but not Experian. 

It has been one year of me emailing XXXX XXXX management employees XXXX XXXX ( XXXX ) I have been told over and over the next month the two paid off auto loan account numbers XXXX and XXXX will report to my Experian but they still have not. 

It is unfair that I paid off 2 cars 100 % on time payments but am not getting credit for it by Experian.

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 2017-01-30
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I ordered service they never delivered the device so i called and canceled. They canceled it and told me is account closed. After 6 month later i see this account in collection please help me fix it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27
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:
I have not received any information on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point the CFPB will have sworn testimony from my end which I would gladly present in court if we need evidence of my trying to rectify the subterfuge that you are reporting. ***** ( copied form the attached affidavit ) *******

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: BOK FINANCIAL CORP
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX a gentleman from XXXX XXXX XXXX called me and told me he is calling to collect a debt. He stated I owe {$920.00} for my mortgage payment that was due XX/XX/XXXX, which has a 15 day grace period. I told him I have already made the payment and he told me I did not make it. This is a brand new loan with the 1st payment being dueXX/XX/XXXX. OnXX/XX/XXXX, I made a partial payment of {$470.00} and onXX/XX/XXXX I made the other partial payment of {$470.00} for my {$920.00} due XX/XX/XXXX. On XX/XX/XXXX, I made a partial payment of {$470.00} and onXX/XX/XXXX I made the other partial payment of {$470.00} for my {$920.00} due XX/XX/XXXX. On XX/XX/XXXX I made a partial payment of {$470.00} for my {$920.00} due on XX/XX/XXXX The agent told me the way I make my payments ( I make a half payment each time I get paid on the 15th and 1st for the following months payment due ) is unacceptable and I can not make my payments like that and XXXX XXXX XXXX will not accept them. He told me he was coming after me for my mortgage payments. He was aggressive and told me I need to make my XXXX mortgage payment now as he is a debt collector and that I did not make my payments like I need to. I explained how I make them 1/2 at a time and he said it was not acceptable by XXXX XXXX XXXX and I need to pay now. I asked on 8 different occasions to speak with a manager and he finally transferred me. He was rude, uncouth, and aggressive trying to collect a debt that was not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: PNC Bank N.A.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was originally a customer of Simple Bank which announced that they were going to shut down in XX/XX/2021. During my entire relationship with Simple I specifically had my accounts set to NOT allow overdraft fees. This means that any attempts to overdraw my account were automatically rejected. As part of the shutdown of Simple, accounts were transferred to BBVA with the assurance that account features would be maintained, and it would be " business as usual. '' Shortly after my account was moved to BBVA, BBVA was sold to PNC. Throughout this time, due to account number changes automatic payments were attempted, but rejected from these bank accounts. While PNC did not pay these businesses that were trying to pull money from my account they started charging me fees, even though they did not have permission to do so. This resulted in the charge of {$180.00} in fees to my account. 

I attempted to work through several individuals at PNC to resolve this issue, first through their chat function with representative XXXX XXXX, and then eventually with XXXX XXXX in their Executive Client Representative department, but they never attempted to resolve the issue. Each and every time I emailed XXXX I received a " form email '' with the exact same information stating that " I have already begun researching your concerns and will respond to you as expeditiously as possible. '' I contact him numerous times throughout XXXX and XX/XX/2021 with the exact same response and no assistance. Finally I received notice that they had closed my account and then sent my account to collections to have me pay them their fees. Fees that I never agreed to as they transferred my account from bank acquisition to bank acquisition ( Simple, to BBVA, to PNC ). I very calmly and professionally tried to work with PNC to resolve this issue, but they did not attempt to assist me in good faith. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
in XXXX XXXX I took out a loan for the sole purpose of increasing my XXXX XXXX. XXXX XXXX reported that my transunion score was XXXX. I received my loan, and made all payments early and have currently paid back over 80 %. I have 0 derogatory marks on my credit and a payment history on my home loan that is XXXX yrs and paid 78 % of the loan. in XXXX Transunion reduced my score XXXX points to XXXX reported on XXXX XXXX with no explanation why. It is commonly known that a score will drop when getting a new loan but this customarily well known to be similar to 10 points. I only had 1 inquiry, related to this loan, and is the only inquiry on record in many years. I have since paid this loan to over 80 % paid, but have only seen an increase of 7 points. I contacted the company on 2 occasions a few weeks ago for an explanation, even contacted the BBB and filed a complaint. The company response gave no answer as why the large decline and only offered every generic explanation that no one individual could possibly explain why the decline. The BBB closed the case. I might add that during this same time XXXX increased my credit score in XXXX by XXXX points with no decline. By taking out a loan to improve my score, Transunion has reduced my score by XXXX points bringing me from a good rating to a mid fair rating.

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 2017-08-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I filed chapter XXXX XXXX 2017 the us court, my self, attorney sent notice to XXXX XXXX and all credit bureaus but experian and XXXX XXXX have refused to update 1 Account to show included in Bankruopcy, I mailed court documents to both experian and XXXX XXXX and still they refuse to correct,

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 2022-10-03
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation