BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
15 uSC 168 ( a ) ( 4 ) there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of ( 1 ). XXXX XXXX ( 2 ). XXXX XXXX XXXX # XXXX XXXX XXXX Michigan XXXX. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses and please update with the one above. 
I do not want my phone number included on my consumer report! Please delete any and all phone numbers! I demand my social security number and date of birth to be removed from being displayed on the credit file for privacy reasons. 
Please delete all information in the employers section. Pursuant to the Fair Credit Reporting Act 15 USC 168 ( a ) ( c ), I am a federally protected consumer and I have a right to privacy, not granting my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : XXXX XXXX XX/XX/1977 Last 4 of SS # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Michigan XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid off my entire balance, which was posted as {$360.00}, in XXXX XXXX 2017. I checked the balance in XX/XX/XXXX, and they had billed me {$5.00} in interest for that cycle, after I had already paid it off on full. The explanation I was given was that you have to have no balance for two months straight to avoid being charged interest. What was that {$5.00} of interest based off of since I paid off the whole balance the month before? Did they conceal the real balance in order to continue to charge me interest? At the very least they were misrepresenting the full balance on my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This complaint is about TD BANK.   ON  XXXX / XXXX / 2017  was charged a maintenance fee {$25.00} even though the account balance was more than minimum. TD bank calculates balance based on pending transactions before they clear. Example : Min Balance requirement :  XXXX  Charge of  XXXX  pending deposit of  XXXX  pending While pending balance becomes  XXXX  for time being and then when posted, the ending balance becomes  XXXX  =  XXXX  They still charge maintenance fees of {$25.00} since the account went below the min req. in pending status. This type of calculation should not be allowed. They should be charging fees after the transactions are settled.   XXXX  We contact TD bank and they said this is their standard business policy. Maintenance fees should be only charged when the balance actually goes below the min req.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-15
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: Investigation took more than 30 days

Complaint:
Equifax is reporting a charge-off account from XXXX XXXX. I disputed this inaccurate account with Equifax nearly 60 days ago. This report was included in an inaccurate bankruptcy account that has been deleted. Consequently, this account must be deleted/removed as the other associated accounts were.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: EQUIFAX, INC.
State: WA
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:
Equifax has failed to accurately update the CURRENT STATUS of paid accounts as PAID. I have attached a portion of my equifax report to show the issue with SEVEN accounts by 3 different creditors. Each of the creditors has indicated the account is paid in full, but Equifax only indicates that in the comments and fails to indicates paid under current status. This results in a lower credit score and results in statutory damages that are ongoing. <P/>For each of the seven accounts, the balance is XXXX and there is a comment showing paid. However, the CURRENT STATUS remains 'Charge-Off '. <P/>I have previously asked Equifax to fix this simple, obvious issue. They point to the creditors needing to fix it but I have discussed this with the creditors who state they are reporting the accounts as Paid in full for less than the full balance. It is Equifax who is only showing this in comments and failing to change current status. These same creditors who report to XXXX and XXXX show the same accounts as PAID. <P/>The accounts can not be paid AND a charge-off at the same time! Under the FCRA, Equifax can either show my current status on the accounts as Paid, Paid - Was a Charge Off, or it MUST delete the accounts. <P/>My understanding is that Equifax is SYSTEMATICALLY FAILING to indicate the current status as PAID when creditors update the accounts as Paid in Full. Each of the accounts on my attached and annotated Equifax credit report CLEARLY indicates they are paid and Current Status must match. No consultation with the creditors is needed in this matter, as the creditors have each correctly updated the status as PAID. <P/>Equifax erroneously shows the current status as Charge Off while showing Paid in the comments. <P/>This erroneous, systematic reporting of my accounts as current Charge-Off status lowers my FICO score and damages me financially, since my credit offers are reduced and interest rates are increased from the lower score due. <P/>Further the CFPB should inquire with Equifax to learn whether this is happening systematically to ALL consumers who pay charge-off accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Experian Information Solutions Inc.
State: MS
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Help me! 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I moved from the XXXX XXXX XXXX at the end of XX/XX/XXXX or the XX/XX/XXXX. My lease ended on XX/XX/XXXX and it was agreed between myself and the property manager that they would keep my security deposit in lieu of XX/XX/XXXX rent. I cleaned the apartment and left the key. I have never received a call, email, nor a letter in the mail from the XXXX XXXX XXXX stating that I owed them any money. I had all of my mail forwarded to my new address when I moved from the XXXX XXXX XXXX. 

On Wednesday, XX/XX/XXXX, at XXXX, I received a phone call from Capstone Collections stating that I owe {$690.00} to the XXXX XXXX XXXX for cleaning fees and change of lock. Prior to this phone call, I have never received a phone call nor letter in the mail from XXXX XXXX stating that I owed anything to the XXXX XXXX XXXX. Because I was disturbed and caught off guard with the call, and I did not want anything to hit my credit, I asked what I needed to do to keep it from hitting my credit. The lady told me that I could pay {$100.00} a month until it 's paid off. I asked for her to send me something in writing and I gave her my address. 

On Sunday, XX/XX/XXXX, I checked my credit report on XXXX XXXX, and saw that Capstone was reporting on my credit report as of XX/XX/XXXX, and that the account was opened with them in XX/XX/XXXX. To date, I still have n't received anything in writing from Capstone. 

Finally yesterday, XX/XX/XXXX, I received a letter in the mail from Capstone dated XX/XX/XXXX title ***Credit Bureau Alert*** stating if I do n't respond they will send the debt to the bureaus. The account has already shown up on my credit from Capstone!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with XXXX XXXX in XXXX XXXX Pa. I owed XXXX. There were excessive overdraft fees on my account. I called main office in RI and received a credit for this amount after several phone calls from them not acknowledging the proof email of the credit, I wanted no problem and wanted to " wash my hands of them ''. I started to make payments on what I owed! I made a payment of what all was required of XXXX then XXXX then XXXX then XXXX then another XXXX. Total of XXXX. I checked the balance and found not one of these payments were showing! I was furious. I called and was told the account was already paid and closed. The credit showed for the XXXX I was credited. Though what happened to the XXXX I paid. I asked if I'd get it back. They said payments were not showing at all. I reported them all over with no luck. They sent me then to collections and I mailed proof! The collection stopped. Now I received collection from Convergent Outsourcing and have to mail proof here too. Who pays me for all my time to do all this? I disputed the amount of XXXX with XXXX and experience many times with no luck. I even sent or mailed proof. No luck! They are constantly being sued over charging their customers excessive fees and charges. It's in XXXX right now. When will they sue them in my area? They refuse to accept the credit they gave and my payments I made.

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 2019-09-15
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX a payment of {$5500.00} was made through XXXX  XXXX XXXX on line bill pay. This payment was meant to make a payment to my XXXX Visa credit card. The payment was never credited to my Visa card. I called XXXX on XX/XX/XXXX and sent several on-line inquiries to XXXX. Their customer service said that the payment was actually not made to XXXX, instead it was made to SLS Mortgage Servicing on XX/XX/XXXX. Their customer service claims that even though the on-line banking name shows " XXXX '' the actual account # and information was for the recipient of SLS Mortgage. XXXX said they opened an investigation and faxed proof of payment of {$5500.00} from XXXX to SLS mortgage on XX/XX/XXXX and refaxed again on XX/XX/XXXX. Per XXXX at SLS Mortgage, they said it was never received. During a conference call with XXXX XXXX of XXXX and XXXX from SLS mortgage, XXXX refaxed proof of payment to SLS on XX/XX/XXXX. These proof of payment faxes included the SLS account # ( which is a closed account. ), the trace # and the case #. XXXX advised that she put in for a request for someone from SLS to call me back which no one ever called back. XXXX XXXX from XXXX also sent a qualified written request to SLS via regular mail on XX/XX/XXXX or shortly thereafter requesting a refund and provided proof of payment. I requested for XXXX to refund my money during their investigation on XX/XX/XXXX but have not heard any respond from them,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ARS is reporting {$1000.00} in collections to my credit report. I disputed the account because I have health insurance. They verified the XXXX to the credit bureau. When I sent them a letter asking for the medical registration sheet for that balance since I always provide my insurance to my doctors. AS replied that they verified the account. However, they did not send me anything related to what I requested.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 they violated my rights. 
Please delete the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-06-15
Company: General Motors Financial Company, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have sent GM FINANCIAL a CEASE AND DESIST on XX/XX/XXXX with green return receipt which they have mailed back as you can see in my previous complaint. A cease and desist in law is used to tell the other party to stop all illegal activity and stop all communication through any medium. Today I received a deceptive form from GM FINANCIAL Pursuant to 15 USC 1692j, pursuant to 15 USC 1692c ( C ) GM FINANCIAL should only be communicating with me about terminating further efforts to collect a debt, to invoke my specified remedies which i did already and that i intend to invoke my specified remedies which i did already as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: CT
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 disputed a collections account from XXXX XXXX with XXXX on XXXX XXXX 2017 because I have never received any correspondence from this company, the account just appeared on my credit report. The dispute still shows open as of today. 3 weeks ago the account was deleted from my credit report only to be added again 1 week later. I have still not received anything in writing from this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: MI
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 they violated my rights. 
Please delete the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Public record information inaccurate

Complaint:
This company refuses to remove this incorrect negative credit reporting. Their was employee fraud from their phone team and this debt is also way too old to be showing, even if it were to be accurate. Furthermore, this case has gone before a XXXX XXXX in XXXX  court and was ruled dismissed. However the company for several years since refuses to remove the debt from all of my credit reports. I am impacted by XXXX, XXXX and now XXXX  so can not speak on the phone anymore. Please remove this debt asap or I will be filing lawsuits against all parties for the inaccurate reporting. Attached is the case information showing the judge ordered it to be dismissed and deleted. Years ago this should of been done. Please also respond in writing once it is removed from all XXXX credit agencies. 

" Case Information : Court System : DISTRICT COURT FOR XXXX XXXX - CIVIL SYSTEM Case Number : XXXX Claim Type : CONTRACT District/Location Codes : XXXX / XXXX Filing XXXX Status : CLOSED Complaint, Judgment, and Related Persons Information ( Each Complaint, Hearing, Judgment is listed separately, along with each Related Person ) Complaint Information Complaint No : XXXX ( CAPITAL ONE BANK ( XXXX ), XXXX. ) XXXX : ( XXXX, XXXX XXXX ) Type : REGULAR CLAIM Complaint Status : DISMISSED ( RULE XXXX ) Status Date : XX/XX/2018 Filing XXXX Amount : {$3600.00} Last Activity XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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: Personal information incorrect

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 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 explanation
Consumer complaint received 2017-09-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been dealing with this for three years. I have paid three different companies to help me with my mortgage. I do n't remember the name of the first agency but the owner was charged with fraud and has been doing federal time. The second company was XXXX XXXX, and the third is XXXX XXXX. My mortgage has been sold three times. It was with XXXX, sold to XXXX XXXX, sold to a XXXX XXXX XXXX, then sold and currently with Rushmore. In XXXX 2017. The representative from Rushmore supposedly told my rep from XXXX XXXX, XXXX that they were not going to consider me for a modification because I had used up all my appeals and the investors where not going to consider me for a modification because they did not like my income ( I work a full time job and I have a small business that is from my family on XXXX XXXX. ) They did not like that my XXXX XXXX did not pay every month on time. I have provided my income, bank statements, tax information, and leases over and over and over again and explanations of how I got behind. Nothing was ever good enough. They told my rep in XX/XX/XXXX that they had a sale date of XXXX XXXX, 2017, that they canceled. My representative calls me every to weeks and tells me that I am still in active foreclosure but have no sale date. The bank has never filed foreclosure paperwork. I have gotten on line and done a search. I have never gotten any certified letters of foreclosures and there is nothing in the courts. She called me today and left the same message. The only time that I have any attempted resolution was with XXXX XXXX. Who told me that XXXX XXXX offered me a modification. Of which that time I was only six months behind, from trying to get assistance. Their idea of modification was that I pay two payments a month for three months. If I could n't make the regular payment I still do n't understand where they think I could get the money for two payments a month. I want to save my home, I have just asked for a payment that is more manageable. I am in the process of selling a property to help with the back payment. NOONE WILL HELP ME. I was told by the representative with XXXX XXXX that they could go to court and force Rushmore to assist me. I have been told that I qualified for the HARP program, but am now told I do n't. I have asked XXXX at XXXX for copies of very communications they have had with the mortgage company and you will see from the attached information. She sent me back everything that I supplied to her, nothing of the communications between her and the mortgage company. PLEASE HELP ME. I DO N'T WANT TO LOOSE MY HOME. I just need assistance with the payment and getting caught up.

Company response to consumer: Closed with explanation