BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian credit reporting is reporting false information on XXXX accounts on my credit profile. The are reporting me XXXX days late XXXX  times in a row right after a XXXX day late payment on account listed XXXX XXXX XXXX. Now me, experian the cfpb and the FTC knows thats the credit reporting should go as XXXX c/o. 
Not XXXX c/o. That is in fact an error and need not only to be corrected but removed off my credit profile for incorrect information giving a false representation of my character because XXXX I was never more than XXXX days late XXXX time in XX/XX/XXXX  and thats the only time I was late for that account. 
Also Experian is reporting me late on XXXX XXXX XXXX XXXX account I was never late. Please make them follow the law because they are not.

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 2020-03-16
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Ive had an auto loan with BMW Financial Services since XX/XX/XXXX and was never 30 days late up until the time of XX/XX/XXXX when my vehicle was stolen. My vehicle was paid off completely by XXXX and GAP Insurance on XX/XX/XXXX and I began an agreement verbally with BMW customer service rep to pay {$100.00} per month directly to BMW until the remaining balance of {$2800.00} was paid off. During this verbal agreement I was never informed that if my balance was not paid off in full within 6 months my account will be placed in a collection recovery status, which will negatively impact my credit report as it recently has. Ive reached out to BMW and spoke with a female operator name XXXX who informed me that BMW doesnt have to tell their customers that important information, which is very unethical, unfair and should be illegal. 
My car payment was {$850.00} per month which I paid consistently for over two years and if I was made aware when I was offered the payment arrangements that they would put my account in collection recovery status I would have paid this off before my good standing account was damaged. Because of what BMW did with this account this I was denied a business loan opportunity!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2015-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a cashiers check for {$2900.00} into my Bank of America checking account. Bank of America placed a hold on the cashiers check to ensure that the check was good. After a few days, the bank cleared the check and the funds were made available to me. I then called the bank to verify that the check was good and the money could be spent. Bank of America confirmed that the check was good and the money could be spent. After I spent the money, Bank of America notified me that the cashiers check was fictitious. Bank of America now wants to collect the {$2900.00}, plus fees, from me. I do n't think this is right. Please help me. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: DISCOVER BANK
State: NJ
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:
There have been dozens of disputes I had on my account that Discover mishandled. Attached to this complaint is my most recent letter to them regarding a dispute they unjustly resolved in the merchant 's favor to show more details on how they did this. As mentioned in my statement, Discover is never seeing a dime from me for any of these transactions, and everything will be reported to the credit bureaus and whatever debt collection agency they decide to deal with. I know the CFPB is useless and doesn't do anything, but I want this on record. That is all. No response from the Discover is required. Their response would not help me anyway ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH is purposely throwing away my bank statements that were included with my submission for assistance. I submitted my " fully complete '' application for assistance on XX/XX/2020 via my attorney 's office. The submission contained my past three months bank statements that showed proof of my income as well as proof of rental income I receive. There were check marks to the side of these deposits on said bank statements and also a letter of explanation for each deposit showing it was for rent and income etc. PHH in the past while I was applying falsely stated I had not submitted the past 90 days bank statements. They did this on purpose in order to evade review which according to my attorney is a violation of Respa Regulation X. They continue to fraudulently state my application is incomplete most recently as last week. I am told by my attorney this is a stalling tactic some fraudulent servicers use in order to evade review.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I reported an unrecognized hard inquiry form Corelogic/Credco made on XXXX/XXXX/2016 to Equifax they responded that they verified the inquiry and gave me the company making the inquiry. I had no idea who they were or why a hard inquiry should be made. XXXX XXXX. XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX. I contacted XXXX on XXXX/XXXX/2016 and asked for proof or that it be removed. They stated that they would check the validity, I gave them the information they requested and after they looked it up they stated they had no record of any such an inquiry. I told them please remove it from my credit record. They stated that they could not find who had requested an inquiry, They wanted me to fax a copy of my credit report to them so they could check it out or they would not remove it. Of course I refused, I do n't know them, why should I send my personal information to them. 

I WISH MY RECORD CLEARED, PLEASE HELP! 
WHY ARE TOTALLY UNKNOWN ENTITIES PERMITTED TO DAMAGE GOOD CITIZENS CREDIT REPUTATIONS IN THIS MANNER? I THOUGHT THE C.F.P.B. HAD THIS UNDER CONTROL! WHY IS THIS PERMITTED TO HAPPEN??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have gone through relentlessly with XXXX on the reporting of my account. They have sent me a letter stating that the account is not reporting to any of the bureaus. Please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
THIS IS NOT A DISPUTE! THIS IS A REQUEST. 
I have attached proof of numerous inaccuracies being documented on Equifax credit report which is harming me and I am questioning the legality of Equifax making changes to old reports from XX/XX/XXXX and prior reports electronically. It makes the whole integrity of the reporting system by Equifax inaccurate and an unethical business practices. 
I am formally demandinging to remove the reinserted/inaccurately reported/unverified ( Method of Verification was not provided by Equifax or XXXX ( Have been requesting since XX/XX/XXXX ) as per my right and request under Section 611 ( a ) ( 7 ). 
XXXX and XXXX had investigated the below accounts and removed them XX/XX/XXXX and XX/XX/XXXX respectively. ( Both reported aged accounts for removal XXXX ) After loan officer informed me Collections back on Equifax I sent XXXX a letter on XX/XX/XXXX requesting deletion which they received on XX/XX/XXXX. I called XXXX on XXXX XXXX as well and I was told they could not connect me with that part of the office. I would need to wait for a review and written response. They just sent me settlement statements for debts I do not owe. 
I have listed the items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe Credit Report I paid Equifax for on XX/XX/XXXX shows no collections reporting XXXX major bureaus. 
The Credit Report I paid XXXX for on XX/XX/XXXX ( same day ) shows XXXX XXXX just under Equifax. 

Due to the misinformation and inaccurate reporting provided by Equifax this matter has harmed my good name, caused me embarrassment, major confusion amongst all parties involved, excessive Hard Inquiries by XXXX ( loan officer ) which harms me and credit rating and will now stay on my report for XXXX years and has delayed me from closing on a home XXXX times in the past month. At this point I believe I lost the house I was suppose to close on and was rescheduled for today XXXX XXXX due to all the confusion of an inaccurate reporting system. 

I am respectfully demanding to immediately delete the accounts identified above entirely from Equifax credit report due to the misinformation being furnished, inaccurate reporting and discrepancies and send me a free updated credit report. 
I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA if this matter is not settled ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: PA
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2015-04-01
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have a Walmart Credit Card through XXXX Bank. I had a credit limit of {$3100.00} and without notice I now have a credit limit of {$530.00}. I have never been late nor have I ever missed a payment. I feel I am being discriminated against because of my credit score. Just because my credit score is under XXXX does n't mean I should have my credit limit decreased. Again, I have never missed a payment nor have I been late. Something needs to be done about this. This is n't the XXXX time I 've been discriminated against XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a credit card with XXXX XXXX XXXX XXXX. I was living in the XXXX in XXXX and XXXX for XXXX XXXX so I alerted them of a temporary address change however I never received my bill at my new current address. Fast forward to today, I have 2-30 day late payments on my credit report from XXXX and XXXX. I reached out to them via a goodwill letter last year and also alerted them that I requested a temporary address change for XXXX and XXXX. Both claims were denied and they will not remove these 2-30 day late payments from XXXX and XXXX even though I never received the bill due to living in the XXXX for XXXX XXXX. I have since made more than 36 on time payments ( 3 years ). I am very upset and disappointed as it is not my fault that even though I requested my temporary address change, they didnt change it nor did they send my bill to the correct address. This is unacceptable.

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 2021-01-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a credit card with XXXX XXXX XXXX XXXX. I was living in the XXXX in XXXX and XXXX for XXXX XXXX  so I alerted them of a temporary address change however I never received my bill at my new current address. Fast forward to today, I have 2-30 day late payments on my credit report from XXXX and XXXX. I reached out to them via a goodwill letter last year and also alerted them that I requested a temporary address change for XXXX and XXXX. Both claims were denied and they will not remove these 2-30 day late payments from XXXX and XXXX even though I never received the bill due to living in the XXXX forXX/XX/XXXX XX/XX/XXXX. I have since made more than 36 on time payments ( 3 years ). I am very upset and disappointed as it is not my fault that even though I requested my temporary address change, they didnt change it nor did they send my bill to the correct address. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
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: Reporting company used your report improperly

Complaint:
XX/XX/2020 My most recent Experian Credit Report shows that's I have : 66 charge offs!!! 
and 40 hard inquiries!!! 
Remove XXXX XXXX XXXX immediately. It is a fraudulent loan and is not mine. FCRA.

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 2016-03-29
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Numerous times I have let Equifax know that there is a debt on my credit report that is not mine. I filed with XXXX also. XXXX corrected the mistake, but Equifax did not. I sent documents proving that it was not my debt. Equifax never changed the information. It was a situation where my father and I have the same name, but the debt is his. Now because of Equifax , I been turned down for a home loan three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sold my house. I requested a payoff as did escrow. We did not receive the payoff until I submitted a complain with you. I finally received my payoff and they added XXXX to the payoff for " estimated additional charges through XXXX XXXX County property taxes '' I have an impound account that has XXXX in it. Property taxes are not due in California until XXXX late after XXXX XXXX. My account was payoff on XXXX XXXX. There is no reason they should have added that to the payoff. I called in and they say they do n't know why that was added but it has not been added to my impound account. I should receive a full refund of what is left in my impound account plus this XXXX. They statement I am providing you is from XX/XX/2015. they are no longer sending statements but instead a coupon with no loan information. It states you can only get loan information by going on their website. Since my account is paid off I have no access to their website Many people do n't have access to computers. I do n't know how they can not send a statement with no information. I have included my payoff I received, my XXXX 2015 statement and the XXXX coupon. I want to make sure this company gives me back my impound account plus this additional XXXX of my money they took that was not needed. This company has been very hard to deal with. I can get no answers from customer service. I appreciated your assistance in this matterElizabeth LongdenSeterusLoan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have inquiries on my credit report from identity theft. I 've had them removed from the companies but they reappeared. I 'm attaching documentation to show them being DELETED. I EXPECT them to be DELETED here as well.

Company response to consumer: Closed with explanation