BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
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: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-10
Company: EQUIFAX, INC.
State: MA
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:
n accordence with the fair credit reporting act covergent account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting acXXXX XXXX  account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State 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 response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Delinquent account

Complaint:
Firstly, I would like to point out that I am being penalized unfairly by a financial institution whose actions described herein appear to be at best arbitrary and at worst discriminatory. I have a perfect record of one time payments with the exception of a department store card issued by capital one. I own my home and have excellent credit. I missed a 30-day deadline for one of my credit cards during XX/XX/XXXX/XX/XX/XXXX. All other bills were paid timely. I was out of the country and I made sure to pay my bills before I left however, this particular payment was an oversight. I had no idea that I was late with a payment, if I had, I would have immediately paid this bill over the phone. Further, I ensured that I had international phone service abroad for any emergencies that may come up while I was away. I never revived a call or voicemail indicating that my payment was late. Missing this payment had nothing to do with my creditworthiness as far as being able and willing to meet my financial obligations. When I returned to the country and realized that I had missed a payment, I immediately brought my account current. I submitted a request to the company to remove the flag in order to restore my standing and I explained that this was a one time error that would not repeat itself. They denied my request and did not give a reason as to why. I believe that this not only is a poor business practice, but it also penalizes me unfairly whereby others have been granted this request. I understand this company has a history of appearing to make credit decisions based on certain demographic information. I 'm XXXX and XXXX. That is the only notable difference between me and another individual who was granted this request. Although this is not a credit decision, per se, the denial of good faith action from a financial institution will negatively impact my credit for years to come. I came to my creditor in good faith to advise that this was a one-time error that was exacerbated by me being out of the country and unawares of my late status. For instance, I received no call or voicemail once my payment was past due, at a minimum I expect the bank to exercise certain actions such as a phone call when a payment has been missed. I ask that the CFPB intervene on my behalf and request that the credit card company remove the 30 day late flag from my credit report, and restore my perfect repayment history. Further, I would like to ask the financial institution to provide an explanation around the decision to deny a goodwill gesture or accept certain other requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, 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:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) acopy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$82.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Kolhs Opened a credit card account with my name and using my social security and but I never requested or applied for such account. I called their customer services department and told them the situation and asked them to close the account and they refused to closed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-12
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
In XXXX XXXX processed a home equity loan in the amount of {$60000.00} without my knowing it. I was married at the time and did not know anything about the home equity until it was discovered I XXXX. This disclosure ended in divorce and me having to refinance my home to incorporate this debt. However, my ex would not tell me how this {$60000.00} incurred. A few months ago, I found the documents in a lock box. My name was blatantly forged on all documents submitted to the bank and the {$60000.00} check was made payable to my ex only. I want to know how this happened. I never knew about it.

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 2021-09-24
Company: EQUIFAX, INC.
State: TX
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 XXXX  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 2019-11-29
Company: Credit Bureau Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First, this is a medical bill. Secondly, the amount I was told I would owe was SIGNIFICANTLY lower than this collections account of {$15000.00}. I was told by hospital my bill would be 10 % of total. Initially insurance paid but then requested refund. Hospital then billed me for this balance. When I contacted them they refused to investigate further and said I needed to contact insurance company even though hospital is the one who initially agreed to only charge me the 10 %. This medical procedure was done XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently refinanced my house through XXXX XXXX  ( did not have a problem with XXXX XXXX ). They showed a debt of {$1300.00} and was told I would need to pay the debt and the money would be taking out of my balance from my refinance. 

The title company sent me a check for the balance of my debt of {$1300.00} ( that was taking from my balance ) and was supposed to send to ENHANCED RECOVERY CO L. The debt I was supposed to pay was from XXXX XXXX I've never had XXXX XXXX, I contacted XXXX XXXX and they confirmed I have never had a contract with them. 

ENHANCED RECOVERY CO L was just interested in collecting the money and did not care if I ever had a XXXX XXXX  contract or not. 

I'm in the process of contacting both XXXX XXXX and ENHANCED RECOVERY CO L. 

ENHANCED RECOVERY CO L has never contacted me about this debt, the debt goes back to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Municipal Collections of America Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have was contacted by MCOA back in XX/XX/XXXX. stating that my Driver Licenses would be suspended for tickets that was on a car that I co-signed for. I then told them that I did n't have the car and asked if the that has the car been notified yet.They told me no they had the right to go after me and not him and that they did n't suspend his. Also, I then told them that he had filed bankruptcy on XX/XX/XXXX and gave them the case number and told them they are trying to get double payment, they told me oh well and that I would have to pay as well because it was my name. On XX/XX/XXXX @ XXXX XXXX I spoke with XXXX XXXX and she stated that even thought it was filed that it was now out of her hands and that it was a part of the bankruptcy department and that she no longer had anything to do with this. I spoke with the bankruptcy department and they said that yes they have the case information but I had to speak with his lawyer to have them get my licenses back. When I explained to them that I have no contact with him they said oh well they would keep them. I also stated that I was on my credit report as well, she said oh well. ( they have removed the tickets )

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 2022-10-07
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 submitted a dispute with Experian, XXXX, and XXXX regarding inaccuracies on my credit report with the debt collector XXXXXXXX XXXX. The account is still reflecting inaccurate information after requesting for removal due to the inaccuracies. 

Scheduled payment, terms, payment status, and worst delinquent status are all reporting different across the credit agencies.

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 2022-10-07
Company: EQUIFAX, INC.
State: AL
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 submitted multiple times to Equifax to remove multiple accounts and unauthorized inquires that are not mine to my knowledge and a result of fraud. I've sent debt validation nothing was validate. When disputed with Equifax it was confirm valid but no proof was shown. Ive faxed and mailed out via certified mail a FTC report and also a police report and Equifax failed to follow suit as other credit reporting agency has done so. I need XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX and inquires XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX removed from my credit report or send debt validation of these accounts with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep receiving call s from Pioneer Credit Agency  for a debt owed by a  XXXX   XXXX . I have instructed them to remove my cell phone number on numerous occasions and they continue to robo call me. The last representative I spoke to is  XXXX   XXXX  who stated that unless I give her my personal information the calls would not stop. I gave her the reference number that was left on my cell voice mail but that did not satiate her desire for more personal indentifying information from me -- which I of course refused to provide.

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 2015-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I contacted capital one auto finance becaus they reported not accurate items on my credit the lady even went as far as stating if I keep contacting them their is a chance that they will put more things on my credit. They claim I was 60 days late yet they put 30 days for XXXX. They will not forward over my ledgers to the credit bureaus. I even asked for it to be sent to me which they wo n't

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-10-07
Company: BANK OZK
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Bank OZK begins calling the day after a payment is due. Sometimes calling multiple times daily AND sending at least 1 email daily, sometimes 2. My husband lost his job and we got behind on 2 payments. They of course only attempt to call during the day and while I work longer hours than they state their business operates in, it is hard to get in contact with the company. Almost every voicemail that has been left on my phone is hateful and they seem annoyed to be doing their job. I have attempted to pay what was owed in 2 separate payments totaling {$900.00}, while the amount owed was {$750.00}. They sent a letter stating the original {$500.00} payment was refunded on XX/XX/22. Which as of XX/XX/22 it has not been, and the additional payment of {$400.00} made has not been posted to the account as of yet. In the letter stating they were refunding the payment they also stated they were moving forward to " repossess collateral ''. I highly doubt this is how a business should operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like I'm being taken advantage of And being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days given a response to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly.I demand these accounts be delete immediately or I will file for Litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : 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 2016-02-20
Company: Dynamic Recovery Solutions, LLC
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
The XXXX bill is out of statue of limitations. They keep selling my debt after I sent them a cease and desist letter. I sent certified mail on XXXX XXXX, 2014. It was signed by them I have all proof told her it out of statute of limitations she wanted to argue with me. Refused to tell me last time I paid on that bill keeps selling it off. It 's way over 10 years old she still wanted to argue with me. I told her you never mailed me a letter still wanted to argue told them over the phone to cease all communication with me. Told me the wrong address for the company.

Company response to consumer: Closed with non-monetary relief