BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-04
Company: Exeter Finance Corp.
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Paypal Holdings, Inc
State: MD
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 am filing this complaint against Paypal because I believe that they are retaliating against me for disputing an alleged debt. I asked them to validate an alleged debt. I also made them aware that in addition, under 15 U.S. Code 1681 a ( 2 ) a ( 1 ), late payment reporting is a violation. They are transactions and experiences between me, the consumer, and XXXX  and should be excluded from my credit report. They have since limited access to my Paypal account. They are deceptively pretending to give me an option to resolve the issue by changing my password, but the website will not permit me to change the password, which prevents me from accessing my funds. This is retaliatory behavior, when they are in the wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27
Company: EQUIFAX, 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:
On XX/XX/2021, 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 yet. 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 within 30days gives a reason 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 deleted immediately and updated or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I lost my credit card with capital one and reported the fraud to them they told me they would hold the merchants responsible when I spoke to a representive that called me on XXXX/XXXX/2016 as of XXXX XXXX 2016 all the charges that were fraudulent we put back on my card now I have a balance of XXXX and change and when I spoke to a supervisor today they told me that they ca n't add the charges to the fraud report and to make payments on it first of all I 'm not going to pay for fraud and second I have XXXX different credit cards with capitalone and my savings and checking account they I was treated was horrible no one would help me and I was told to pay for fraud charges

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A Loan Modification Package was submitted to XXXX on XXXX/XXXX/2016 37 days prior to a scheduled sale date ( Here to attached ). XXXX provided a missing documents letter request on XXXX/XXXX/2016 requesting Tax Returns. A XXXX Form was provided with the package and due to XXXX new streamlined guidelines Tax Returns are no longer required to be considered a complete package. On XXXX/XXXX/2016 the requested documents was sent in the form of a Letter of Explanation stating the borrower 's Non-Filing status ( Fax Confirmation and letter of explanation are hereto attached. ) Confirmation of receipt of the conditions was confirmed with a XXXX at extension XXXX. XXXX denied the loan modification request on XXXX XXXX but the borrower 's legal representative did not receive the denial letter until XXXX XXXX, 2016. ( Here to attached. ) XXXX did not provide a new request for missing documents nor did they allow the borrower the allotted time to provide such missing documents as required by XXXX prior to denying the loan modification on XXXX/XXXX/2016. In fact XXXX sent a letter Dated XXXX XXXX, 2016 received by the borrower 's legal representative on XXXX XXXX, 2016 requesting for the borrower to contact them to provide instructions on how to apply for a loan modification request when the loan modification request was already providedXXXX was diverting there responsibilities as required by XXXX XXXX to forward the loan modification request to the new servicer. XXXX never provided the borrower nor their legal representative of the servicing transfer rights. The new servicer Bank of America provided a servicing transfer letter dated XXXX XXXX, 2016 stating the servicing transfer became effective on XX/XX/XXXX,2016 ( Hereto Attached ). XXXX continues to send mortgage statements after transferring effective date of XXXX XXXX, 2016 ( Hereto attached ). XXXX denied the loan without proper justification, did not allow the borrower proper time to provide requested documentation as required by XXXX and did not allow the borrower the right to appeal such decision. XXXX did so as a diversion of it responsibilities to transfer the loan modification request to the new servicer as it new in advance of the servicing transfer prior to the denial. Bank of America has prior knowledge of the loan modification request as they have sent correspondence to our office with knowledge of our representation.

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 2017-03-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX has some how made their way on my credit report reporting false information stating that I owe {$400.00} from XX/XX/XXXX. The prior company was XXXX from XX/XX/XXXX in which I have sent a letter to, to prove and verify that this account is in deed mine and why they feel that it is mine. I gave them 30 days. No respond and no updates. The account was sold to XXXX in which they never have NEVER contacted me but instantly put this fraudly information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: Jim Bottin Enterprises, Inc
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I signed a six-month contract at XXXX in XXXX, Massachusetts, and kept my copy of the contract, on which the manager had hand-written and initialed " 6-month contract ''. After six months, I attempted to cancel the account, and found out that the gym manager had later checked off " 12 months '' on the contract. The gym continues to send bills for increasing late fees, and debt collection notices. When I contact the gym, they say " I only work here - you have to contact our billing agency, ABC Financial. '' When I contact ABC Financial, they say " Our documents indicate that you have a 12-month contract. IF you have a dispute, you should take that up with the gym. '' At the gym, I was told that the manager who falsified my contract no longer works there, and that they ca n't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX/XXXX  XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX  XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2020-03-29
Company: EQUIFAX, INC.
State: MD
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:
my school was closed because of fraudulent activity investigated by the department of education .i was mislead at this school. and believe loans were taken out without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
my school was closed because of fraudulent activity investigated by the department of education .i was mislead at this school. and believe loans were taken out without my knowledge

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 2023-04-14
Company: EQUIFAX, INC.
State: TX
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:
The late payments on my XXXX loans are incorrectly reported for XX/XX/2017, XX/XX/2017, XX/XX/2017 and should be updated. XXXX XXXX XXXX and XXXX XXXX  are not my accounts. I've already tried to dispute it with the company and creditor. I've filed a police report and sent in requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: DC
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:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX/XXXX  Date of Inquiry XX/XX/XXXX XXXX/XXXX  Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Harvard Collections, LLC
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 do not have a signed contract nor any contract with XXXX XXXX XXXX. I have NEVER done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX I disputed a {$1200.00} I requested that the debt be validated in that request.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2021 I asked transunion, XXXX, and XXXX  to stop reporting my consumer report because I never gave them consent under 15 us 1681b without written consent its identity theft I never gave transunion the authorization to report, furnish any on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
RE : Bank of America HELOC account number XXXX Bank of America has de-listed my HELOC account from my login into their website to make payments. They also quit sending me statements. I have spoke to them and they requested assistance and complied with sending them the information pertaining to paystubs, bank statements, etc. which I have provided to them. I have proff from USPS tracking they received them. However, they will not contact me to let me konw the status since I am unable to view the account online or see any statements via USPS mail since they discontinued that. I would like to know the status of my HELOC and what I can do to get it restored, however they are not compliying. Due to my long work hours XXXX - XXXX Monday through Friday, I am unable to receive or make phone calls during those hours. Therefore I 've requested they send me updates via USPS mail or email and they have not. They request that I call them, which is impossible due to my work.

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 2020-04-19
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: Their investigation did not fix an error on your report

Complaint:
I pulled my credit report and found I had 2 late payments reporting on my XXXX XXXX Account. I contacted XXXX, Experian, and XXXX   to ask them to investigate this error becuause per my records I was never late paying this account. I even contacted XXXX XXXX about this issue and was advised they would look into it and the error is still reporting on my credit profile. All 3 credit bureaus sent me back something stating these lates were in fact verified in which I asked for proof and sent proof that I wan in fact NEVER late.. To date these late payments are reporting and Negatively affecting the Lenders decision on giving me a loan for a mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent my first letter to the credit bureaus. I have sent several letter since then. I have not received a response on behalf of my complaint. XXXX XXXX is inaccurately reporting on my credit file. The past due amount is incorrect, the date of last active is incorrect and the date of last payment is incorrect. This is a violation. I have been very patient and now ready to move forward with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: LEXISNEXIS
State: GA
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:
From XX/XX/2013 until the present date the company LexisNexis has been reporting information about me to XXXX, XXXX, XXXX, and all other credit reporting agencies. This information is gather 3rd party from the United States Bankruptcy Court ( Clerk ) of XXXX, Georgia. I did not authorized LexisNexis to share my information. The clerk has sent me a letter informing me that my information was not provided to any credit reporting agency.I have also contacted LexisNexis with the letter provided by the Federal Bankruptcy court saying that the court does not provide any information to the credit reporting agencies.I also sent Lexis Lexis a letter opting out the sharing of my personal information because I am a XXXX XXXX   XXXX and this information might place me in danger.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Bridgecrest Acceptance Corporation
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 status incorrect

Complaint:
I traded my car in and the financer did not process the payoff check which was sent to them on XXXX hence making my account delinquent. Subsequently they continued to not process that check for almost 60 more days. This negatively effected my credit and when I asked why didn't they process the payoff check they said it was short {$440.00} dollars. I payed that out of my own pocket but Bridgecrest XXXX still sent negative reports to my credit agencies. Finally they processed the payoff but it is still showing as a delinquent account. I disputed it to no avail but I think their process was improper, unfair and unjust! Can this be remedied by someone and my credit standing restored please! Thank 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 explanation
Consumer complaint received 2017-05-20
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I tried to ava il Chase Sapphire 's trip  delay benefits last year in  XXXX ,  XXXX  when my flight was delayed by more th an 24 hours. However, I have been working with them until now. Chase has outsourced this part to  XXXX  ( benefits admin company ) and the y do not let me talk to anyone in management. I have left multiple voicemails such as on  XXXX   XXXX ,  XXXX   XXXX , etc to their supervisors to inquire but no response on my case.     To explain the process in detail, I submitted the supporting claim docs in  XXXX ,  XXXX  by regular mail which was probably lost in mail. I called again in  XXXX ,  XXXX  to see the status as I never heard back. I submitted my documents again ( this time electronica lly ).    After a lot of one-way communication in  XXXX  and  XXXX  with Chase/ XXXX  my claim was denied on  XXXX   XXXX ,  XXXX  on the grounds that I submitted documents later th an 184days. I fil ed an appeal on the same date but till today there has been no resolution. When I call  Chase, who  sold me this credit card (  XXXX  $ annual fee ) they say they are not responsible for these benefits which are handled by  XXXX , and transfer my call to them. And  XXXX  does  not give me an update, they say they will contact me within 24-48hrs, if I dont get an update I should call again. This cycle has been going on for sometime, and has led me to believe that they are not intend ing to serve customers like me. I request you to look into this malpractice and get answers from them why and how they treat customer requests in such a way. Any specific timeline they should answer my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: CNG FINANCIAL CORPORATION
State: WI
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've been battling with check n go and XXXX XXXX XXXX, regarding inaccuracies pertaining to my credit report. They claim they can not remove or correct my report since they sold the account before bankruptcy discharge. However, when speaking to the entity ( XXXX XXXX ) that the account was sold to I was told since they are not the company reporting the account that it is Check N Go 's responsibility to fix the errors or delete the account. 
Furthermore after Check N Go made reply to previous complaint they sent me an email stating they would provide me with copy of original contract which contradicts their response to the previous complaint stating they can't fix the credit report because they don't have any information. 
Check N Go is blatantly violating my consumer rights, making fraudulent statements that contradict each other and violating the FCRA by refusing to delete the account within 45 days of originally disputing their reporting errors.

Company response to consumer: Closed with explanation