BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 Inquiries : US SM BUS ADMIN ODA 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 explanation
Consumer complaint received 2018-05-10
Company: Checkr, Inc
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a problem with my driving history report. 

First problem is that I'd got a ticket for speeding at XX/XX/XXXX and it appears two times in my driving history report. One of them should be removed from my driving history report. 

Also, at XX/XX/XXXX, when I was waiting at traffic lights, a driver hit my car from back side and immediately run away. It was late night and I couldn't see if there was a damage in my car or not. I called police just in case and she gave me report. Then I checked my car and saw that it is not a big problem, only little scratches. I did not even report it to my insurance company. I'm being shown as mistaken on this accident in my driving history report. 

I'm a graduate student and driving for XXXX and XXXX at weekends. Both these company suspended my account. Please help me about this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax keep denying my complaint because of Identification issues. My full married name is XXXX XXXX XXXX which is my married name. The name on my file is showing my maiden name of XXXX XXXX XXXX. I have attached a copy of my current drivers license with my name and address please update your files. Once again I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and US BANKRUPTCY COURT-XXXX XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX from XXXX XXXX XXXX XXXX called phone number XXXX or XXXX or XXXX. Stated I had a complaint submitted against me from Capital one. Said that Capital one charged off an account of mine on XX/XX/XXXX. I currently have a capital one card in excellent standing. I called capital one at XXXX and XXXX at capital one verified I do not have a charge off with them. I called XXXX at XXXX XXXX XXXX XXXX back on XX/XX/XXXX and gave her the information from capital one and she stated she would call and would call me back. Today XX/XX/XXXX I received another voice mail from XXXX XXXX from XXXX XXXX XXXX XXXX when I called back they state that I I still owe this debt that they will not contact Capital one and that I can figure it out when they bring legal action against me. She then proceeds to hang up on me. The last four digits of this account that XXXX XXXX XXXX XXXX said it wasXXXX. When I spoke with Capital one they verified the last four digits of the only previous account I had with them was XXXX. XXXX at Capital one felt this might be a scam and had me send an email to XXXX. Which I have done

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The three credit Bureu still showing all accounts closed, paid in full, also have student loan closed due to my XXXX, please somebody help me I am so tired to leading with this problem. 
Cause me hard time and disappointed in my life. 
I need my credit back. 
Thank you very much 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 2022-08-31
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Midland Credit Management is collecting on behalf of XXXX. I had a conversation with someone in XXXX that informed me that all of their representatives are based in XXXX. I do not want someone in a foreign country having access to my information or my wife 's information. The account is in my wife 's name, they have called me about it numerous times. I have told them numerous times that I ONLY want U.S. based representatives contacting us or having access to that information. They have refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Paypal has been refusing to return my money since XX/XX/2020. I XXXX the company and the judge ordered them to pay me the money but PayPal has refused to do so. I am owed {$5700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 correspondence is in response to my request for a courtesy/good-will credit retraction and the response I received on XXXX XXXX, XXXX. In the letter I was told that such late payments on credit reports could not be removed due to regulations promulgated by the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXX XXXX XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). Here is a link to the FTC advisory opinion I am referring to in the rest of this letter. https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-harris-03-22-99 The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 
XXXX XXXX XXXX representatives told me that because the delinquent payments were accurately reported in XXXX and XXXX of XXXX and that XXXX XXXX XXXX will not update this information. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *

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 2022-08-31
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:
experiean, XXXX, and XXXX have not removed a fraudulent account from my credit report. I've disputed it multiple times. I even have proof from the collection agency that the account was open in a different state. here is the proof below. this account needs to be removed as I did not open it. and they have yet to provide evidence this belongs to me. 

the account number is XXXX account name is 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 2022-08-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/22 made payment to XXXXXXXX XXXX for {$140.00} XX/XX/22 made payment to XXXX XXXX  for {$140.00} XX/XX/22 made payment to XXXX XXXX  for {$140.00} XX/XX/22 made payment to XXXX XXXX  for {$280.00} XX/XX/22 made payment to XXXX XXXX  for {$280.00} All payments were made on time but XXXX reported all payments late. I requested the bank to properly report my status but it refused to work with me. I notified the XXXX XXXX XXXX about this issue and I was overlooked, and was refused for correcting the derogatory report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX  XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

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 2017-09-09
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I originally borrowed about XXXX for XXXX and XXXX school.Over the years I never really made enough money to pay them back. I was told that my deferment time was all used up and they said to put it into forbearance. Not sure if it was true about my deferment being used up. So now my amount is up to XXXX. The loans were taken out early to mid XXXX for XXXX probably through XXXX XXXX and XX/XX/XXXX to XX/XX/XXXX for XXXX XXXX XXXX/Navient. I always thought forbearance both ran out at some point as well. This is still my understanding. I truly feel that they were n't looking out for my best interest. I 'm XXXX now and I do n't see how I can pay them back. I 'm only making XXXX now despite my best efforts to get a better paying job. Right now I 'm under an IBDR plan and paying nothing based on my current salary. I believe if they had worked with me with my best interest in mind somewhere along the way we may have been able to work something out. But now with limited income and high student loan debt, I 'm turning to you. Ive requested copues from Navient and they have never sent anything despite saying they would regarding copies of the original paperwork. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This an addendum to previuos complaint again st Ocwen Servicing.Both  previous Loan Modification are not included in the paperwork that has been mailed to you.I had a Loan Modification in XXXX  with  GMAC Mortgage  with a fixed rate of 4 %, also  Hamp Modification was approved by Ocwen Loan Servicing i n  XXXX   XXXX .My relationship manager at that time was  XXXX   XXXX  who called me in  XXXX , AZ whil e I w as on assignment there.As previously outlined the court trial on  XXXX   XXXX  evolved around the issue of not having received the actual paperwork in  XXXX , NV un til mid   XXXX   XXXX .The file mailed to me by your agency contained the shipping label and a piece of paper with my fprwarding address.The argument being served via Publication therefore is unfounded.According to a law firm in  XXXX   XXXX   XXXX , Florida  the letters I mailed to Ocwen Loan Servicing requesting information meeting criteria for QWR under the truth in lending and therefore should have been ans wered.There is no mentioning of any Loan Modification on the original complaint to the court.Both parties,  Ocwen Loan Servicing a nd  XXXX   XXXX   XXXX   XXXX   XXXX   are one entity  and not two  XXXX   XXXX , Attorney for   XXXX   XXXX    XXXX   XXXX , and  XXXX   XXXX   XXXX , Loan Analyst for  Ocwen Loan  Servicing should be  held accountable  for an explaination.Furthermore,  XXXX    XXXX    XXXX  Dollars were deducted out of my bank account by  Ocwen Loan Servicing WITHOUT my authorization.Under  RESPA  ,  QWR, Truth  in  Lending, Regulation Z I hereby request following items : COMPLETE copy of BOTH Loan Modification including cover letter.Under the information request QWR, name and address of unassigned lender or private investor and explaination for unauthorized withdrawal from  XXXX   XXXX .Thank you for your attention in this matter.Respectfully,  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
Bank Of America Worker r obed me  XXXX  Dollars because  Bank Of America   XXXX   XXXX  ATM Cards  XXXX  and Address not mine I have not been able  XXXX  open new Bank account after  Bank of America   XXXX  me

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 2022-08-31
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a customer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Greetings, this is yet another complaint for the same issue as before, loan servicing company is again harassing and threatening to levy flood insurance alleging my policy expired in XXXX, XXXX, XXXX, when it did not. Just a few months ago they were doing the same and the policy was uploaded to their systems which shows expiry of XX/XX/XXXX, yet here we are again. How can we make this stop? I have owned multiple properties before and have never had issues like this with any lender/loan servicing company. 

Its most concerning and another reason for this complaint that the company does NOT have a customer help line. I have called the number on the documentation received and am given all auto options, but no option to speak to someone. Further, i have sent emails to the XXXX and those are never responded to. In my last complaint the company alleged not to have received my emails, i'm sure they will do so again, but i have the proof that they were sent. Can CFPB do anything about this? Are consumers to pay for these company 's incompetence?

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 2017-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I filed a dispute with Transunion on   XXXX   XXXX   XXXX   disputing  XXXX   XXXX   XXXX   XXXX   XXXX   ( Account  XXXX  ) and received a letter stating that their records show that the information you disputed does not currently appear on your TransUnion credit report ( File #  XXXX  ). However, this account is indeed still reporting on my TransUnion credit report. This account was also previously disputed on  XXXX   XXXX   XXXX   XXXX     and removed from my Transunion credit report sometime between   XXXX   XXXX  , then immediately added back on.

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 2017-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My personal credit card account is not being reported to my credit reports.

Company response to consumer: Closed with explanation