BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/XXXX I contacted The XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) regarding late payments inaccurately shown on my report from XXXX & XXXX of XXXX. I spoke with a rep named XXXX to advise that based on The CARES Act the payments during Covid should not have been reported as late. I was assured that the information was being sent to the necessary department to have the information updated. I was also promised an email confirming the same. As of today, XX/XX/XXXX, I have not received any email with that information and the payments still incorrectly show as being late on my credit reports. I contacted the company again and was transferred twice to an automated system about requesting a security freeze or my credit report ( which is not what I am requesting ).

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 2021-10-01
Company: EQUIFAX, INC.
State: NJ
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 a few accounts on my repost I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Experian Information Solutions Inc.
State: NJ
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: Problem with personal statement of dispute

Complaint:
I pay my payment to XXXX on line as many people have a problem with their billing system you pay the lease payment on line then they contact you stating the payment did not post and Charge you late payment and reporting late fees I have had XXXX leases for many years never had this problem till I did on line payment they are impossible to reach and give a constant run around its getting extremely frustrating I want theses 4 late payments removed it completely unbelievable why dont they contact people before the 30 days late no they just want to collect late fees its piracy please help me to remove this ASAP unfair reporting

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 2021-11-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/1976 SS # : XXXX To Whom It May Concern : I am sending this request to investigate the inaccurate information on my credit reports. I have attached a screenshot of the account, and the inaccuracies are circled. The Date of Last Activity reported has 3 different dates reported with XXXX, XXXX, and Equifax. ( Please see Image Attached on 2nd Page ). How am I to know which bureau is actually reporting correctly? Due to these inaccuracies, this account is not FCRA Compliant, and there are other inaccuracies that are not exposed in this letter that would deem this account in violation of the FCRA. In resolving this matter I am requesting that this account be deleted ASAP. I also request that you please send notices of corrections to anyone who received my credit report in the past six months These are all inconsistent over Equifax, XXXX, XXXX. It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part. I am politely asking that you delete it from my profile, and I believe 20 days is more than enough time for this to happen. Thanks in advance 1. Incorrect Information XXXX XXXX XXXX Account Number : XXXX Delete account immediately 2. Incorrect Information XXXX XXXX XXXX Account Number : XXXX Delete account immediately The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/XXXX I contacted The XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) regarding late payments inaccurately shown on my report from XXXX & XXXX of XXXX. I spoke with a rep named XXXX to advise that based on The CARES Act the payments during Covid should not have been reported as late. I was assured that the information was being sent to the necessary department to have the information updated. I was also promised an email confirming the same. As of today, XX/XX/XXXX, I have not received any email with that information and the payments still incorrectly show as being late on my credit reports. I contacted the company again and was transferred twice to an automated system about requesting a security freeze or my credit report ( which is not what I am requesting ).

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 2021-10-01
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/XXXX I contacted The XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) regarding late payments inaccurately shown on my report from XXXX & XXXX of XXXX. I spoke with a rep named XXXX to advise that based on The CARES Act the payments during Covid should not have been reported as late. I was assured that the information was being sent to the necessary department to have the information updated. I was also promised an email confirming the same. As of today, XX/XX/XXXX, I have not received any email with that information and the payments still incorrectly show as being late on my credit reports. I contacted the company again and was transferred twice to an automated system about requesting a security freeze or my credit report ( which is not what I am requesting ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Stellantis Financial Services US Corp.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 


XXXX XXXX XXXX XXXX XXXXXXXX. {$0.00} Acct # : 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 2015-05-02
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Recently I disputed item XXXX with Equifax. They verified it as accurate, which I found very hard to believe. Pursuant to the Federal FCRA, I invoked my rights to understand how they investigated this incorrect item. Equifax failed to respond to this lawful request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received a {$20.00} maintenance fee on my checking account this month which violates Truist 's banking policy. Every month I receive more than {$3000.00} IN DIRECT DEPOSIT from the VA. I am a XXXX XXXX XXXX veteran. I have been getting this deposit for years. Truist customer service claims I did not get the VA money on XX/XX/XXXX which I clearly did because it is on my statement. The money was clearly deposited by the US government on XX/XX/XXXX. They lied and refused to return my money. This bank steals money from veterans and their call center is not in the US. You will get no 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 explanation
Consumer complaint received 2021-10-01
Company: WELLS FARGO & COMPANY
State: OK
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: Didn't receive services that were advertised

Complaint:
Wells Fargo ( XXXX ) To : you ( Bcc ) + 1 more Details Wells Fargo logo Validate your email address now Your Email verification is required to continue using the service, validate your email to avoid loosing your account service. Wells Fargo Online. You have 1 day ( s ) to validate your email address or your online account access will be canceled.

How to update your email address : Simply sign on to your account at www.wellsfargo.com/security & support/contact-information/ and follow the instructions to enter your 6 digit validation code. Entering the code below will validate this email address. 

Validation Code : XXXX If you have any questions, we're available at XXXX, 24 hours a day, 7 days a week. 

wellsfargo.com | Security Center Please do not reply to this automated email. Sign on to send a secure email. 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
I paid for a product from XXXX and i was scammed by the merchant. I returned the product and contacted Capital One to dispute the charge. I was told that i had consumer protection for charges such as this. Capital one refuses to refund the charges stating that the tracking number for the returned product is not enough. I feel defrauded by Capital One and the scammer merchant. Where is my protection from fraudulent charges?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2021, XXXX XXXX Visa card services were changed to XXXX Barclays Master Card. Theoretically, all credits and debits and other information from a Visa card holder were transferred to the Master Card on that date. In fact, they were not. The regularly scheduled pay date for my Visa account was on the XX/XX/XXXX of each month whereupon it was drawn from XXXX XXXX account automatically on the XX/XX/XXXX. Apparently, because my regularly scheduled pay date occurred on the same date as date of the conversion of Visa card holders to Mastercard holders, it was not effected and recorded. Moreover, a XXXX XXXX product return in the amount of {$10.00} that occurred close to the XX/XX/XXXX was similarly not transferred from my Visa card to my Mastercard.

Because those transactions ( and possibly others? ) were lost in the process of converting from Visa XXXX to Barclays Mastercard, Barclays automatically charged my new Mastercard account a late fee of {$29.00} and a Past Due fee of {$35.00}. When I tried to make a payment of {$5000.00} on my Mastercard account balance of {$6100.00}, the Barclay 's software responded that I could not make a payment for more than I owed.

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 2015-03-21
Company: ALLY FINANCIAL INC.
State: MD
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I field a complaint with CFPB regarding to Ally to resolve a matter. However Ally is calling me on an automatic system and blocking their phone calls without resolving these matters. They call my house all day long more than XXXX times. We are in dispute and they refuse to resolve the matter as I am waiting for a supervisor to return a phone call to me however this is an automatic system and then they block the calls the rest of the day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX XXXX XXXX On XXXX the original creditor was discharged through Bankruptcy Court Chapter XXXX in 2012. I now receive harassing collection calls from XXXX XXXX XXXX for ( Acct # XXXX ) demanding payment, which was already discharged through the US Bankruptcy Court and is showing on my credit report as a charge off/ collection. This is inaccurate, false, and fraud and it needs to stop and be removed from my credit report. 
According to the attached Discharged BK file- collections for BK discharged debts is Prohibited.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX, XXXX, and Equifax show this closed accounts as having new missed payments every month. 

XXXX XXXX XXXX XXXX, {$0.00}, Paid, closed, 32 late payments This account was closed and charged off years ago. 
It is not an open account, and should not be reported as having new missed payments every month. 

This is a violation of my consumer rights and an unfair credit reporting practice that prevents me from obtaining new credit accounts and purchasing a home, even though I have no missed or late payments and otherwise very good credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: Experian Information Solutions Inc.
State: NJ
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 submitted a request to experian to delete an erroneous item from my credit report. Request was sent XX/XX/XXXX, receipt was signed by experian representative on XX/XX/XXXX, as of today ( XX/XX/XXXX ) I have received no notification on the status of the investigation nor has my credit report been corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I first learned about this " debt '' when I checked my credit report on XXXX XXXX. My rating had dropped 9 pointes because there was a collection from First Federal Credit Control ( FFCC ) on it. I contacted FFCC and they told me I owed {$10.00} to a doctor from 2017. I told them I had never been notified by phone or in writing of any such debt. I called the doctor ( and their billing company ) and they told me their records did not show any such debt, nor did they turn over anything to a debt collection company. I called FFCC again and they told me that the collection effort would stay on my credit report until I paid the debt, preferably online on their website.

I have never received ANY communication of any kind from the doctor, the billing company or FFCC about owing any money. I had to call them! They never contacted me and supposedly this debt is 4 years old!

I have filed a complaint with XXXX but I want this removed from my account. How do I get this company ( FFCC ) to remove this debt?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Hi I am having an issue receiving a Lien Release from XXXX XXXX Capitol One Bank on 2 of my vehicles. I have attached the titles to this email. I called a local Capitol One Branch and the woman told me to call an 800 # which I did. I spoke to XXXX. Who was very nice.She transferred me to another lovely lady.. Who then transferred me to a voice message that disconnected my call. Tried again same thing!! Now frustrated. I went down to our local branch. One of the tellers took all my information. And is attempting to help. But no one is responding to he either. I need these lien releases yesterday!!! Please Help! 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Convergent Resources, 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 demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this account.

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 2017-03-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I applied for a modification on our home from our lender. The lender had already scheduled a foreclosure sale date on our property ; however, we were told by several customer service representative including our accounts manager that once we submitted the application for modification in its entirety that the sale date on our home would be postponed until a final decision was made. The sale date on our home is scheduled for tomorrow, XX/XX/2017. Our application was submitted on XX/XX/2017, I called every day for almost two weeks to ensure that our application was received and that they had everything needed to move forward with the modification review. Once confirmation of the receipt of our application was provided I inquired again to my account manager and several customer representative that the foreclosure sale date would we postponed until a final decision was made on our application. However, after not hearing from our lender I contacted the XXXX County Clerk of Courts on Friday, XX/XX/2017, to verify that the foreclosure sale had been postponed and I was told that it had not been. I contacted our lender on the same day ( Friday, XX/XX/2017 ) to find out why the sale date had not been postponed and I was told that our lender had denied our modification on Tuesday, XX/XX/2017, because " they determined that we did not have enough of a deposit to put down '' ; and that because the application had been denied they would be moving forward with the foreclosure sale on XX/XX/2017. When I asked why the foreclosure sale date had not been postponed as I was told that it would be, I was then told, " the sale date would only be postponed if the modification application had been approved '', this is not what my husband and I had been told previously. I asked our account manager why they had not contacted us sooner to notify us that our application had been denied since our foreclosure sale date was only two ( 2 ) business days away to see if we had a larger down payment to move forward with the modification, he did not have a response. I asked our account manager to ask how much they needed for us to put down as a deposit, he said that he would submit the request ; however, when I called him today, XX/XX/2017, I was told that they were choosing to move forward with the sale date. Now my family and I have no where to go as the foreclosure sale date is schedule for tomorrow, XX/XX/2017, and because we were told at the last minute that the sale date was not postponed we do not have time to seek other legal recourse. My husband and I were mislead regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Walter Lee & Associates, LLC
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
i been receiving a phone call from a walter lee and Associates LLc. i finally answered to the call. A XXXX XXXX claimed to work for the company. and that i owed money to XXXX the amount of {$240.00}. if i wanted to pay the full amount or do a payment pan of {$120.00}. They already had all my information including ssn, address and etc. All they needed was my bank information to make plans. i gave them the information. thinking i was fixing my credit. when i called to follow up the call went straight to voicemail

Company response to consumer: Closed with explanation