BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: DISCOVER BANK
State: MO
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:
On XX/XX/2020 Discover illegally filed litigation against the cardholder ( myself ) during the Pandemic. There was a stay of debt collection filed by the XXXX House, Discover chose to evade and sued cardholders. I settled with this creditor with the understanding they we to remove the credit reporting from the 3 credit bureaus upon satisfaction on XX/XX/2020. I have made several attempts to justify and ask them to remove the reporting inaccuracies, but they continue to ignore my kind request for removal, which was an agreement with the attorney representing the card company Discover. Now nearly 24 months later, the consumer is still negatively being denied and illegally penalized for paying off an account upon a court agreement. I followed what I agreed to and now Discover to own up to their agreement upon pay-off settlement. 

As shown in the document, the card issuer Discover is illegally reporting my account information to the 3 bureaus which is causing stress, and financial hardship for the consumer due to negative information being reported and updated. 

Per FCRA guidelines and regulations, the account is being reported incorrectly across all bureaus. 

Account number # XXXX XXXX XXXX is incorrect, dates are invalid, account rating is wrong on XXXX and I have spoken with Discover numerous times and explained this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Have tried to have phone number removed even blocked numbers to not receive calls concerning interest rates. Received call this morning XXXX/XXXX/17 concerning reducing my credit card interest rate ; did not identify what card company. Requested to again speak with Representative. Explained that I had requested to be put on a no call list to not receive calls and wanted to know why I was receiving this call. Representative said something I could not understand ( due to XXXX accent ) so I ask him to repeat ; he stated '' Because a friend had told him I gave XXXX XXXX XXXX '' ; I told him where he could go. Hung up! Hit call backl and called the number XXXX and it went to Capital One Customer Service. I requested a supervisor who said they do not make these kind of calls concerning reducing interest rates. This call came in to me around XXXX XXXX lasted 4 min. This is also the number on my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home was in default XX/XX/XXXX, so I paid the XXXX to bring it current and received a letter stating that the payments had posted ( the letter date was XX/XX/XXXX ). I made another payment for XX/XX/XXXX at the bank. They accepted the payment. I missed a payment in XX/XX/XXXX ( that following month ). This is XX/XX/XXXX. Yesterday I checked the mail and found that 5th 3rd had sent my XX/XX/XXXX payment back to me. I called the bank and spoke to the default department for about twenty minutes. I was informed that my house will go into foreclosure any day now. I asked why did n't they apply my XX/XX/XXXX payment, I was told because I missed XX/XX/XXXX. Now they are saying I 'm in default and they will not take a payment unless it 's XXXX to be exact. Because they did n't apply my XX/XX/XXXX payment when I brought it to them, it put me in default and although I have money for another payment ( my mortgage is XXXX per month ), they will not accept it. Had they accepted my XX/XX/XXXX payment, I would n't be in this predicament. My house is valued at XXXX. I owe the bank XXXX. If they foreclose on my house, they 'll keep XXXX plus in equity AND resale it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Navy Federal continues to contact me about payments to my account I have a certified letter on file with them about contacting me about payments. I make my payments to them monthly even if I have a late fee I pay that. I have been out of work since XXXX 2016 yet I still make my mortgage, Auto and XXXX payments to them every month. I have filed several complaints with CFPB about this same issue. One was completed just this month where Navy Federal again apologized for ignoring my certified letter that I have on file with them. I called Navy Federal and ask why they were still harassing and the representative stated that they should not be contacting me because it is highlighted on my account not to do so yet they are continuing to contact and harass 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 2022-09-07
Company: EQUIFAX, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am reporting identity theft : I noticed someone has made attempts to open a credit card account in my name XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX EQUIFAX AND XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX  XX/XX/XXXX EQUIFAX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX AND XXXX XXXX I will appreciate it if this complaint is forwarded to the 3 credit bureaus for these derogatory information and hard inquiries to be cleared from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: WELLS FARGO & COMPANY
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Account is n't always updated on time so I lose money and sometimes in the negative. Also sometimes transactions do n't go through right away

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 2017-06-21
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I had a dispute with a Banana Republic credit card. I believed that they charged me twice and the amount on the card was in dispute. However, they did not notify me when they were done investigating and the amount went back on my card without my knowledge for a few months. They have now reported that to the credit bureaus, but I was unaware that it went back on. As soon as I was aware of the investigation results I just paid the amount. I still believe they charged me twice, but I did n't want this to keep happening.

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account XXXX ( Date claimed open XX/XX/2019 ) XXXX XXXX XXXX Account XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX ( 6 accounts ) XXXX XXXX XXXX DEPT OF ED/XXXX Account Number XXXX XXXX  Account Number XXXX 15 USC 1681 SECTION 604 A States A consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer agency 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 2021-09-24
Company: CCS Financial Services, Inc.
State: FL
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:
Reporting without my permission

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Solar Mosaic LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX, my we applied for financing for solar panels through Mosaic at the guidance of XXXX XXXX XXXX XXXX XXXX. We were approved for {$56000.00}. This financing and subsequent solar project was contingent upon us getting a new roof. On XX/XX/XXXX, we chose not to proceed with this project and XXXX XXXX processed the cancellation, informing all necessary parties. 

On XX/XX/XXXX, Mosaic Inc. reported a {$28000.00} loan to XXXX impacting our credit reports This loan should not have been processed. Where have the funds been sent? Why is it a completely different amount than what was applied for and approved? How can any bank fund a loan and report it to a credit reporting agency in an amount different than the loan documents? And, if the solar company cancelled the project, who received these funds? At the end of the day, Mosaic Inc. funded a loan that should not have been funded in an amount other than what any documents would say without our permission or approval. 

This needs to be rectified immediately and removed from our credit report without any adverse action on Mosaic 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Request for Investigation of Unauthorized Credit Inquiry Dear to whom this may concern, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized credit inquiry had been made. I am not aware of the inquiry sources name nor who conducted the inquiry, and I am asking for them to remove their credit inquiry from my credit report. I request that you investigate the inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : This is on there twice with two different addresses. Was informed it was a soft inquiry not a hard inquiry conducted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Note : Was informed it was a soft inquiry not a hard inquiry conducted. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 



Thank you for your assistance in this matter, 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 2021-09-24
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The account was paid in full last year XX/XX/XXXX and the company representative stated I owe $ XXXX.So I asked why she indicating I owe that amount, she stated it was the copay from my insurance company. So I called XXXX ( my insurance ) to send me the proof of the check and my amount of {$250.00} was included since it was filed on uninsurance motorist because the driver left the scene and the car was totaled out that's why my deductible was only {$250.00} and it was included with the payment. So I had to sign my car over to XXXX so the company could be paid. So XXXX now owns the car However afterward when I reach out to the company they indicated that I owe {$240.00} ( XX/XX/XXXX ). Then just two monthsXXXX ago I was told to pay {$100.00}. This is fraud by indicating I'm behind on a car that was paid off a year ago and I also file with OCCC because they are making false and fraudulent claims on all three of my credit reports and I have submitted documents. The inquiry was removed then later it was put back on all three of my credit reports ( late payments ) This is an unfair allegation. This is a predatory lending company ( This company is fraud and adding usurious interest to a car loan that's been paid in full!!!!!

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 2017-06-21
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a delinquent phone bill in XXXX, it has been charged off and should be dropping off of my credit soon. ERC/Enhanced Recovery Company continues to illegally re-age my account by closing it and reporting it as a new debt by either of their names. Same company and it keeps closing and re-opening the debt and the age of the account is being improperly represented on my credit report. Currently the debt shows it is only a little over a year old and is actively reporting negatively every month. I believe they are attempting me to bully me into paying a debt that has been charged off for years by purposefully harming my credit with " new debt. '' The first day the account became delinquent should be accurately represented and they should be stopped. This is n't the first time they have done this, last time I caved and paid the debt that was due to drop off and saw no improvement to my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: AR
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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about inaccurate information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX BankruptcyXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX*Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX  XXXX*Balance : {$0.00} XXXX XXXX XXXX*Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX  XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00}

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 2017-06-21
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Case number XXXX XXXX XXXX XXXX XXXX a debt collection agency is attempting to collect on a debt that has exceeded its statute of limitation. This debt is with Discover bank. This debt was Charged off XX/XX/XXXX THE STATUTE OF LIMITATION HAS RAN ON THIS DEBT XX/XX/XXXX. Under the Fair Debt Collection Practices Act. The FDCPA prohibits collectors from taking action to collect a debt that they can not legally take. In Florida, filing a lawsuit beyond the statute of limitations is a fundamental illegality. If they take this step, I will have rights to pursue under the FDCPA. The limitations period begins from the date the last element of the cause of action occurred, ( 95.051 ). In this case Originally XX/XX/XXXX.  According to XXXX XXXX the original debt lender and XX/XX/XXXX according to Discover bank, XXXX client. Almost all other actions fall under the 4-year catch-all limitations period, ( F.S. 95.11 ( 3 ) ( p ) ). CMS is in violation of continued harassment or collection of a debt they can not legally collect upon. They purchased this old debts from Discover for pennies on the dollar, then are using aggressive collection tactics to attempt to collect the debts. While not an illegal practice in and of itself because the debt is owed it is illegal if they harass, threaten or try to trick you into renewing the statute of limitations. which they are doing by stating in their correspondence to consumer financial protection Bureau that my last that they have valid records and proof that the last time I made payment on this account was lXX/XX/XXXX. THAT IS A COMPLETE AND ABSOLUTE FALSE ASSERTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We have issues with our mortgage company. Our payment is always changing. On XXXX XXXX we received a letter showing that there is a shortage of XXXX. These payments were to start on XXXX to XXXX. Every month adding XXXX to our mortgage payments. Our payments are XXXX my payments were behind according to them. My bank pulled all the information on my mortgage. So I have cancelled checks and bank statements that show we did make payments. We are no way 6 months behind, maybe 2 payments. They have us being 6 months behind reporting at the credit bureau I have made out a application for a modification, but, I do have equity in my home, how would that work using the equity of my home Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 an account without my written instructions

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 2019-08-07
Company: EQUIFAX, 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 student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation