BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-17
Company: Southwest Credit Systems, L.P.
State: NJ
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 was in the XXXX home during the time 's that they claimed these account were open. They all need to removed. The medical record violate my right i did not give consent for them to use this information. Once they gave this information to the their party threy broke the contract. None of this is mine nor have they proved it. all the old stuff need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just checked my credit report today and noticed a delinquent account that I have no idea what its for. The debt collector is Fair Collections & Outsourcing account # XXXX in the amount of {$3900.00}, original creditor is XXXX XXXX. The account is as opened XX/XX/2018.

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 2021-10-24
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
i had sent a letter to equifax on XX/XX/2021 about inquiries and the have not replied to my letters

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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/XXXX I applied for a loan to refinance my home. Upon completing the application I received a copy of my credit reports and on two of the three reports it said there were accounts that are seriously delinquent. They do not say what account could be delinquent but there should be none, I also use XXXX XXXX since it shows what accounts affect my score and it also shows none as delinquent.

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 2019-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I inherited my father 's home after he passed away. My attorney whent through all the steps in court so I could be administrator of the estate and mailed copies of this to Bank of America. They said that they never received the paperwork and could not say or do anything for me because I was not on the loan. My attorney sent the copies again, and BofA stated they didn't receive those either. Bank of America would not expect my payments and returned my checks. I got a notice of foreclosure from them so I called about it and once again denied information so I faxed the copies from the court they denied getting them so I then emailed the paperwork twice in a week. 3 days before the sale of my home they said that they just got the email and would process it. I called every day after asking them to stop the sale so I could take over the loan and refinance. I was sent to 4 different people on the phone before being told they were still processing the papers. I had 2 people  come to my home on the day of auction and tell me they just bought the house. Bank of America never once tried to help me do anything to take over the loan or stop the foreclosure this has been going on for a year since my father died. I was never given any options and they sold MY home out from under me forcing me and my children to be 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 2017-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 pulled a credit report on XX/XX/XXXX and noticed that Capital One is reporting late payments for XX/XX/XXXX-XX/XX/XXXX despite the fact that I was making my payments as agreed during these months and I was actually a part of a special program they offered at this time to get my account back in good standing. I  made all payments as agreed during this time. In XX/XX/XXXX I received an email thanking me for bringing my account up to date.I disputed these late payments with capital one on XX/XX/XXXX via their secure chat. Today XX/XX/XXXX I received a letter from Capital One stating that the information they are reporting is accurate and therefore they do not have to update anything with the credit bureaus. However, I have proof that I was making payments during this time. Clearly, I am not alledging never in my history making a late payment to capital one because clearly I have, but I do not want things reported incorrectly when I was making an effort to correct my past wrongs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: EQUIFAX, 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:
On XX/XX/2022 I submitted complaint # XXXX which included an identity theft report. Persuant to 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of appropriate proof of the identity of the consumer. on XXXX XXXX was given proof of the identity theft and has failed to remove the items within 4 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I am XXXX XXXX a natural person. I completed a credit application online with CAPITAL ONE AUTO FINANCE to purchase a vehicle from XXXX XXXX XXXX dealership. I was not granted the credit and received adverse action from CAPITAL ONE AUTO FINANCE. This denial of my credit is a violation of my consumer rights. Pursuant to 12 cfr 1002.7 CAPITAL ONE AUTO FINANCE should not deny me of my own credit which is a prohibited act and wilfully violating Federal Law and my consumer rights. Pursuant to 12 cfr 1002.9 Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. CAPITAL ONE AUTO FINANCE has no authority or jurisdiction to deny me of my own extension of credit. I demand that CAPITAL ONE AUTO FINANCE grant me my credit for the amount applied for. I demand CAPITAL ONE AUTO FINANCE to provide in writing the facts and the source of their results for this decision. If CAPITAL ONE AUTO FINANCE does not respond in 3 days and grant me the credit it is in fact a violation of my rights and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, 2019 my credit report shows inquiries from XXXX XXXX, and XXXX XXXX XXXX XXXX. I have no knowledge of these inquiries and would like for you to remove them from credit profile in a timely fashion.

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 2021-12-07
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
PayPal has denied my dispute XXXX XXXX 100 % do not agree with the decision. I have never banked with XXXX XXXX XXXX before and I have evidence of my account being hacked. I have worked with PayPal to finally get these funds released and was locked out of my account until now only to discover the funds being withdrew to someone else account. 
I have uploaded evidence of my account being compromised. I have also reached out to authorities and am currently waiting on the Police Report. I am asking PayPal to fully review this dispute in detail and to partner with XXXX Bank immediately to recover these funds and pursue and action against the person who obtained my information to make this transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
A stolen check was drawn on my Chase checking account on XX/XX/XXXX in the amount of {$4000.00}. I believe the check was stolen from my apartment the preceding day in an incident reported promptly to the XXXX but at the time of the initial police report I was unaware that my check book was among the items stolen in this incident. I became aware of the theft on XX/XX/XXXX, when I reviewed my account online and discovered the unauthorized check. The check image clearly shows a signature bearing no resemblance to my own. 

I reported the theft to Chase 's fraud department on XX/XX/XXXX, and froze my account on XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Chase 's Customer Claims Department denying my claim, " because you did not take ordinary care to prevent the fraud. '' I spoke to a representative of the Fraud department, " XXXX, '' by phone on XX/XX/XXXX around XXXX XXXX EST. XXXX confirmed that Chase denied my claim, saying that because I had not stored my check book in a " secure location '' Chase could not bear responsibility for cashing the forged check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/2017 I purchased a XXXX XXXX motorcycle from XXXX XXXX on XXXX XXXX in XXXX XXXX Nevada. I traded in my old bike for an amount of {$3700.00} which was applied to my new loan and a 72 month term with a monthly payment of {$290.00} which I've agreed. I asked for a copy of the contract but was told it would have been mailed to me after the first payment. The contract never came. Last month I requested a payoff amount where Ive learned from XXXX XXXX XXXX XXXX that my loan is over half a decade from being paid off. Someone from they dealership added or changed the length of loan term from 6 years to 10 years and the bank has the motorcycle listed as an RV in their system. Ive tried filing complaints with XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX but I am unsuccessful in getting any type of actions or results. I never seen the actual contract at the dealership but liabilities and my trade Ive signed. After 4 years I was emailed a copy of the contract with a signature agreeing to a 10 year contract which I promise I didn't sign and was never aware of until recently. I am asking for help in this deceptive trade practice from XXXX XXXX sales associates and have them cover the balance for the additional 4 years of payments they have secretly attached to my loan. This is the second time in 2 years Ive had a dealership associate alter documents to sell a car which I have recently just gotten off my credit after a lengthy investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A garnishment was presented to my credit union for a judgment against my wife, whose sole source of income is social security XXXX, which is protected from garnishment. Since it is a joint account, they took my savings. I contacted the law firm and explained this to them but they stated that they intended to collect the debt even though they know that its not her money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: VW Credit
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
VW Credit is incorrectly reporting date of activity on my credit report for Husband,  XXXX , and NOT MINE. My date of filing was  XXXX / XXXX / 2015  - Date of discharge  XXXX / XXXX / 2015 . VW Credit in violation of Chapter  XXXX  discharge reporting late after filing date. They are also in violation of FCRA and FDPCA since this has been reported several times and VW credit continues to refuse to correct the error they say they are correct and in their validation still show the wrong dates.   XXXX  At this point they are clearly indicating the error - see #  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 call experian and XXXX about a collection company call credit collections svcs with account number starting in XXXX this collections should not be in my report this collections was sold by XXXX to them with out my authorization and consent i never consent for the lab work to be done i went to a doctor office they took blood i thought it was a routine blood work if i was to know the price of it i will have never authorize they never told me the price i was never sent a bill and the collection company never inform me by mail this is ilegal and shouldnt be allow in my credit report in experian and XXXX plus i never sign any document allowing the collection

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 2017-07-02
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: Their investigation did not fix an error on your report

Complaint:
XXXX   XXXX   XXXX  never provided me with documentation for the {$120.00} collection yet Equifax claims the debt is valid. This bill is for a  two  year old  XXXX  that had multiple errors in the billing process.  XXXX   XXXX   XXXX  has already been paid over {$1300.00}. Both   XXXX   and  XXXX  have investigated and removed this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is ARS XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ARS ACCOUNT RESOLUTION failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ARS ACCOUNT RESOLUTION failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation, ARS ACCOUNT RESOLUTION is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where ARS ACCOUNT RESOLUTION is in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. ARS ACCOUNT RESOLUTION has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2017-11-07
Company: RFNA, LP
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received phone calls and letters regarding a loan that was made to me by Republic Finance in XXXX, Alabama. This loan was made on XX/XX/XXXX in  XXXX, Alabama. I have not lived in XXXX, AL since XX/XX/XXXX and was not in XXXX on the date of the loan. I currently reside in XXXX County Alabama. The balance of the loan is XXXX. I do not know where this money is nor where it was deposited, cashed or secured. I do not know anything about it. I went back through my bank statements and there is not a transaction on this date in this amount. Apparently, it was one of those solicitation checks to sign and deposit for a loan. It was mailed to the apartment complex in XXXX where I previously resided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. There are unauthorized and fraudulent inquiries reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have contacted Equifax XXXX  times now ( XXXX  in XXXX, faxed them in XX/XX/XXXX and XXXX times this past week ) each receiving different responses regarding the block on retrieving my credit report. Today, I was told that I have nothing filed with Equifax, despite verifying with all my creditors that they have been sending the correct information to all 3 credit bureaus and Equifax specifically. I have had no issues receiving credit reports from XXXX and XXXX, only problems with Equifax. In XXXX, they asked for me to fax documentation verifying my identity, which I did send and never received a response back or any update in receiving my credit report. 

Today I have once again faxed my documentation to prove my identity to Equifax to pull up my file. This is extremely unacceptable and is getting in the way of my process of obtaining a home loan from a lender as a first time homebuyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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 ordered a copy of my report in XXXXXXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XX/XX/2022, Equifax XXXX XXXX XXXX XXXX has not responded my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity, comments and Status of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i believe it was reporting in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
A late payment had been on my credit report for more than 2 years, I've called and asked for it to be removed to no help.

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 2022-05-01
Company: Experian Information Solutions Inc.
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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

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