BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
Capital One, is now in default after Not adopting reasonable procedures designed to ensure that each periodic statement including the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days BEFORE the payment due date and NOT removing ALL late payments in all consumer reports PURSUANT TO TITLE 15 U.S. CODE 1666b purpose, unless the creditor has adopted reasonable procedures designed to ensure that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any each periodic statement including the information required by section 1637 ( b ) of this title ... ; 1. First default : Each periodic statement did not include the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. 

1a. This includes finance charges which is the sum of ALL payments INCLUDING late payments according to Section 1637 ( b ). No statement was given by the deadline, 21 days before the bill was due that included a " potential '' late payment fee prior to the payment was due. 

Notice Title 15 U.S. Code 1605 Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit ..., This is a notice of default and an opportunity to cure for CAPITAL ONE as the affidavit sent in support of my claim was not rebutted and my demands in cease and desist were not met as failure to provide the information required by TITLE 15 U.S. CODE 1666b. This is an opportunity to settle this dispute by providing my request of remedy due to the wrongdoings against me ( Violation of TITLE 15 U.S. CODE 1666b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: WELLS FARGO & COMPANY
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:
There are inquiries on my credit reports on XX/XX/XXXX and XX/XX/XXXX that do not belong to me I have not approved nor inquired for these accounts. 

WF CRD SVC - Inquiry date : XX/XX/2021XX/XX/XXXX - Inquiry date : XX/XX/2021 XXXX XXXX - Inquiry date : XX/XX/2021 XXXXXX/XX/XXXX- Inquiry date : XX/XX/2021 2021

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 2022-06-10
Company: Experian Information Solutions 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:
XXXX accordance with the fair credit reporting act XX/XX/XXXX account # XXXX XXXXXX/XX/XXXX, # XXXX XX/XX/XXXX, # XXXX XX/XX/XXXX, # XXXX XXXXXX/XX/XXXX, # XXXX XX/XX/XXXX # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2022-06-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collections appeared on my credit report in XX/XX/2022 from Wakefield & Associates. I disputed it due to no knowledge of said debit. I called Wakefield & Associates and requested proof of debit several times in the months of XXXX, XXXX and XXXX ( I also disputed this each month as well ). Nothing has come in the mail. And now the amount of the debit keeps going up? How is this possible? Per the Fair Credit Reporting Act the company much provide proof of debit, they are NOT PROVIDING PROOF. I have no knowledge of this company or such debit. In doing research the original creditor XXXX XXXX XXXX, also a collections company, whom I never heard of nor ever receive a bill from them. I have health insurance and have not needed any type of medical care in over 3 years. I don't know who these companies are but I am now Filing a complaint on both companies due to fraud practices to collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, AZ XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collecons : 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  Experian Name : 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 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 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 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

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 2022-01-12
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We hired XXXX XXXX to initiate a new United States Visa application to Travel To The United States and correct the issues involved with the previous Visa. We had an agreement with the merchant that all issues will be resolved and they would assist with the application process until my friend was able to re-enter the United States under the terms of agreement and the given cost agreed. XXXX XXXX has continued to charge my card additional fees and has stopped responding to my emails. I have been charged over {$4000.00} on my credit card for these services and they are asking for additional fees after the associates at XXXX XXXX made mistakes and did not submit the proper forms in the initial application. 

I called Barclays Bank in regards to a dispute and they told me I only have 60 days to dispute. In this specific matter it takes longer than 60 days to know iff the merchant will perform the agreed duties being paid for.

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 2020-05-21
Company: Dovenmuehle Mortgage, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage is serviced by Dovenmuehle Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX. 

This company took over the servicing in XXXX of this year. I was previously paying bi-weekly {$750.00} and the payment was XXXX that left XXXX each two payments to principal reduction. They get the checks and it takes up to 10 days to get the account credited. The last payment was received on XX/XX/XXXX ( It was stamped on a copy of my cancelled check. The web portal states applied on XXXX. The check cleared my bank on XXXX. There is additional funds that they hold in a suspense account until I have to call to be put to principal reduction. 

This process seems illegal since they are holding money that can reduce my amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In applying for a refi on my current home a lien comes up on my record. The mortgage holder is no longer in business and I'm getting the runaround from contacts listed as who to contact (XX/XX/XXXX ). I need this lien removed so I can proceed with my refi, I just need to know who has it and how I can address it. Below is a copy of a cover letter which was sent to PNC XXXX XX/XX/XXXX. Responses came back to me saying no lien info was available. 

Here is the letter sent-minus the referenced exhibit attachments : To whom it may concern, On XX/XX/XXXX, we purchased our current home at XXXX XXXX XXXX, XXXX, Michigan, XXXX. We borrowed {$300000.00} on the first mortgage and {$75000.00} on the second mortgage, financing was through XXXX XXXX, a Division of XX/XX/XXXX XXXX XX/XX/XXXX ( Exhibit A-copies of both mortgages attached. ) In XX/XX/XXXX, both mortgages were transferred to XXXX XXXX XXXX XXXX ( Exhibit B-copies of both assignments attached. ) On or about XX/XX/XXXX, the first mortgage was assigned from XXXX XXXX XXXX XXXX to PNC Bank, a XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Exhibit C-copy of assignment attached. ) We have only been making one mortgage payment to XXXX XXXX XXXX. Our current mortgage statement balance leads us to believe that at some point the second mortgage was combined with the first mortgage ; however, both liens are still appearing on our title. See attached Exhibit D- copy of current mortgage statement AND attached Exhibit E- page from our title work reflecting two liens. 

We are trying to refinance our home and need documentation to support the second lien is not in place. We are requesting any and all documentation regarding the transferring of our loans from XXXX and XXXX. In addition, requesting any documents or activity between XXXX and XXXX that would have resulted in the second lien being dissolved or combined into the first.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Trans union is burying the link to a free credit alert, and instead, pushing their own service that costs XXXX XXXX has documented the changes to their website in the days after XXXX 's colossal XXXX-up. 

XXXX XXXX XXXXXXXX The actual link to free credit alerts goes down frequently, if it 's functional at all : https : //freeze.transunion.com/sf/securityFreeze/landingPage.jsp It 's one thing that XXXX can not manage sensitive information properly, and are not being held accountable, but now you have the other two rival vultures doing their best to further deceive and inconvenience customers to a maximum. 

WHEN WILL SOMEONE STAND UP TO THESE COMPANIES?

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 2022-06-10
Company: EQUIFAX, INC.
State: PR
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 credit reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
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: Investigation took more than 30 days

Complaint:
XXXX XXXX 's executive specialist team, As you investigate my complaint as well as Florida 's attorney general request for a written response regarding this subject matter, please take into consideration the following facts : The Equity loan that your company is compelled to hold me responsible for originated as an instrument of the now outlawed Pick-A-Payment loan, which was then a requirement in securing the primary loan note ( one could not exist without the other ). <P/>After a six year lawsuit that I initiated back in XX/XX/XXXX, due to XXXX XXXX reneging on their originating loan options and the predatory nature of the loan, I finally settled with XXXX XXXX at the direction of my attorney with the stipulation that XXXX XXXX would finally work to approve me for a loan modification unlike the the offer seven years ago that just offered the amount owed to be placed on the back of the loan in exchange for waiving my rights to bring suit against XXXX, of course I declined. <P/>My Attorney suggested I settle based on two key factors : > As flawed as the terms were I was previously approved for a modification back around XX/XX/XXXX, at the same time XXXX was found guilty of not modifying qualifying members like myself, a fact that was to be considered. <P/>> the equity loan that originated along with the primary note held the home as collateral and therefore as long as the equity loan was open and in place ; a foreclosure & sale was not imminent. <P/>What was not known at the time of the settlement by me or my attorney was that XXXX transferred my home equity loan back in XX/XX/XXXX without my knowledge or my attorney 's knowledge releasing the home as collateral and allowing XXXX to decline the Modification and foreclose on my home without obstruction, which they did. <P/>Although I asked XXXX representatives multiple times to update my mailing address while I was working out of town they kept sending mail to where I was not so I never received any notification of any changes to my loan account and neither did my attorney who was to receive all notification related to my open suit, especially given the fact that the settlement agreement in which I signed included reference to the equity loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This collection has been paid in full and Equifax is reporting it like I owe this debt. I am writing to dispute U S DEPT OF ED/XXXX/XXXX XXXX on my credit report. The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: Experian Information Solutions 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:
I have sent in 5 letters to Experian, trying to dispute the accounts, Experian has failed to provide me with PHYSICAL proof of they verified the account and proper documentation, that they are required by law to have in my file for each derogatory account, Experian has merely ELECTRONICALLY verified the account via e-oscar by simply matching personal identifying info with the reported creditor. per the FCRA 611 that is unacceptable and not compliant. I Demand Deletion of the said 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 2019-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are several accounts, addresses, and inquiries that are listed on my credit report that I am unfamiliar with or that it's simply not mine. There is also a Chapter XXXX bankruptcy that needs to be removed too. Please remove these from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter to Experian asking for a method of verification on 3 of my collection account 2 of them are XXXX XXXX XXXX accounts and the other is XXXX XXXX.  They closed it three days later, I called and talked to XXXX whos on team # XXXX stated that they sent my results on XXXX XXXX that includes some of my requests such as a wet written signature, name of person that did the investigation, who the investigator talked to to get the information thats verifiable and so forth. She said it was sent via email. I never received that email so I asked her to resend it and also send it via email. She complied and told me it would take 24-48 hours to receive the email. I received the email yesterday also confirming that I did in fact get the email but it was not what I asked and it still didnt have any methods of verification. I called today requesting that they delete the account because in the letter I stated that if there wasnt any methods of verification to delete the account, XXXX told me that Experian doesnt do methods of verification, they send what I sent to them to the lender. So my problem is these two different reps told me two totally different things, and also after sending my letter to the lender how fo they verify if its verifiable. I didnt understand his reasoning so I asked to be transferred to the supervisor which his name is XXXX, XXXX took really long to transfer me to him so Im pretty sure XXXX told him already what my problem was because when I got on the phone with XXXX he didnt budge he in fact told me the same thing XXXX did. So I asked him to delete the accounts because my request wasnt made, he basically told me that Experian doesnt care about reporting inaccuracies and inaccurate info when the lender tells them to delete they will. I am saddened that still in 2021 XXXX petiole still cant have what belongs to them. XXXX people voices still aren't being heard. XXXX is still under investigation, XXXX said they mailed out my requests the next day they received them, which is impossible so Im going to file a complaint with them as well if they dont do neither such as their sibling 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 2017-10-26
Company: CITIBANK, N.A.
State: AL
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 have seen that XXXX, XXXX and lately XXXX has been on my credit I did not file or put in for a application, I did call each but to my amazement there still on my credit report. Please 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 2019-07-25
Company: STATE FARM BANK, FSB
State: IL
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:
State Farm responded back stating that they have no record of an inquiry and sent mail asking for more documentation. I find hard to believe they are asking for some that I would have and this is the reason for my compliant. I will attach the inquiry that remains on my credit file.

Company response to consumer: Closed with explanation