BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have requested on 3 different occasions to have account deleted from my credit profile. The credit bureau continues to report item despite inaccurate information. XXXX XXXX was never authorized to obtain credit file or insert items to credit file under any circumstances.

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 2020-01-03
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: Account status incorrect

Complaint:
I am writing to file a complaint against Equifax Credit Bureau. I have been in dispute with them regarding an open mortgage account with XXXX XXXX that should be closed. I have had over 20 phone conversations with representatives, tier 1 supervisors and tier 2 supervisors. I have even been on hold for an hour and 4 minutes with no response. I had  to call from another line while on hold to explain my frustration. I have been on the phone with Equifax almost every-day since XX/XX/2019. I am furious because this account was reported to all bureaus on XX/XX/2019. XXXX and XXXX   updated the accounts on XXXX XXXX and XX/XX/2019. How can these bureaus report the account correctly and Equifax still have it open. 
I was also told to reach out to XXXX so that they could send information over to them. I did reach out to XXXX. XXXX sent me a letter documenting that the account had been paid in full and that credit bureaus had been notified of this change in XX/XX/2019.  XXXX sent me the letter and I faxed the letter over to Equifax. 
I have been told to fax information over so that they could correct this account. I was told that if I faxed over my documents they would correct this immediately. I spent {$29.00} to fax them information to the fax numbers they told me to fax the information to and I was later told they should not have told me that information.The fax numbers that I was given are XXXX and XXXX. 
I have enclosed the letter that XXXX finance sent me and have also enclosed the official copy of the deed from the XXXX County Courthouse. This deed was transferred over to XXXX XXXX, the company who the home was sold to. 
I am simply asking that the account be closed. This has continued to negatively affect my credit. I found out about the discrepancy while in the process of trying to close on another home. Because Equifax has refused to close the account, I lost money on a home that was under contract and was unable to complete the purchase of the home due to Equifax reporting the account as open. I am furious because my credit continues to suffer and I lost the potential of owning another home. I am asking, no begging for some kind of assistance with this issue. I should not be in a situation where an account is paid in full and the credit bureau is refusing to correct the account. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX, XXXX  and transunion have assisted XXXX in making my life extremely difficult to live for the last few years. Theyve done this by reporting false late payments on my consumer reports which led to my scores dropping from the low 700s to the mid 400s. This has in turn affected how lendable I am in a negative way and has prevented me from getting a house, a car, credit, cards or even bank accounts. Its scary thinking about all the sleepless nights Ive had due to this particular issue. The consumer reporting agencies have violated my rights as a consumer under title 15 Chapter 41 Credit reporting agencies section of the US Code.

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 2016-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I submitted a complaint a few weeks ago ; however, it was not resolved. Capital One 's executive offices contacted me ; however, they refused to work with my temporary hardship. After I explained what had happened after they asked what had caused this hardship ( a transition to a new career due to medical reasons, as well as a XXXX that was not covered under my insurance ), they put me on a brief hold and came back to offer me nothing. My current interest rate is 21.15 % on a balance of {$16000.00}. Interest each month is near {$200.00}. I explained that I am in training pay mode in my new job ( auto sales ) and make minimum wage, less than $ XXXX, gross. My mortgage on my house alone is {$1700.00}. It 's simple math. I make less than my mortgage payment, which leaves nothing for credit card debt, my car payment, electrical, etc. I had previously taken a high interest rate ( 14 % ) loan with XXXX, and retained half of that to stay current with at the least my mortgage and auto payment. I explained to the man that I in no way want to shun my obligations ; however, I would appreciate some help till I get on my feet again. Any chances I had at obtaining a personal loan had been abolished by Capital One 's sudden closing of four of my accounts without one missed payment, as well as XXXX with XXXX balance. They shut them down for " charges not consistent '' for what they expect. Within a week of their dropping {$27000.00} in credit, my credit score plummeted into the XXXX from the XXXX. I did nothing wrong! Within a few months I will be switched to commission and hopefully my income will increase substantially. All I asked was a reduction in interest while I am in the transition mode, which would be hopefully no more that 6 months. I can not understand why they could not grant this request when I have been a perfect customer for years with Capital One bank. My complaint is that they single-handedly destroyed my credit in one sweep, and now they refuse to lower my interest rate for a brief period of time. I was not asking them to excuse my debt. I am completely aware of debt relief agencies -- they advertise constantly -- however, I was trying to handle this the responsible way. I do not want to be forced into bankruptcy ; however, this bank has ruined my credit by suddenly closing four accounts for a bogus reason, and refusing to reduce my interest rate in return for their damage. Previously I had equity in my home I could draw from, now there is zero chance of that thanks to Capital One. Capital One reached out to me after filing the first complaint ; however, they offered no resolution at all. They should be held accountable for this kind of abuse. Again, I am asking for the same thing. In a good faith effort, I made the {$320.00} minimum payment after I was turned down by this representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
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: Their investigation did not fix an error on your report

Complaint:
Complainant XXXX XXXX XXXX XXXX XXXX. ( XXXX ) hereby files the following Dispute objecting to the inclusion in his personal consumer credit reports the following information that is inaccurate as described below. Despite an investigation by Equifax, XXXX XXXX Bank ( XXXX XXXX ), purportedly " verified '' the disputed information. Some changes were made to XXXX  's personal credit report as a result of the Equifax Dispute, however, XXXX XXXX, despite being advised by XXXX of the inaccurate information continues to report false and inaccurate information. 

XXXX XXXX Bank 's own Online Statement of Account ( SOA ) unequivocally proves that XXXX XXXX did not accurately report to Equifax, or the other CRAs, the information contained in XXXX XXXX 's online SOA. 

This is the disputed information that XXXX XXXX reported to Equifax yesterday, XX/XX/2022. 

1. XXXX  XXXX Bank reports that as of XX/XX/2022, XXXX  has an outstanding balance of {$94.00} when the SOA proves that XXXX  has a balance of ( - {$1.00} ). According to XXXX XXXX 's own information, XXXX XXXX owes money to XXXX, and XXXX XXXX Bank knew this when it reported to the CRAs that XXXX  owed {$94.00} to XXXX XXXX. 

2. From information provided to the CRAs in prior updates, XXXX XXXX never reported that XXXX  was past due. XXXX  makes it a pattern and practice to pay off accounts within 60 days. However, XXXX XXXX falsely reports that XXXX was past due for 30 days in the amount of {$46.00}. 

First, XXXX  never owed XXXX XXXX a debt of {$46.00}, as evidenced by information reported by XXXX Bank to the three national CRAs. Additionally, XXXX XXXX Bank 's Statement of Account proves that XXXX XXXX Bank failed to report that XXXX  made a payment of {$29.00} to XXXX XXXX Bank on XX/XX/2022. In addition, XXXX XXXX Bank never credited XXXX  's account for the payment of {$29.00}. XXXX XXXX also did not report this payment to the three CRAs, including Equifax. 

XXXX XXXX continues to report that this is an open account. However, because of XXXX  XXXX 's pattern and practices, such as those represented herein, when XXXX  made the payment of {$29.00} to XXXX XXXX, he told XXXX XXXX  that he wished to close his account. This telephone conversation was recorded by XXXX XXXX. XXXX  wished to record his conversation with XXXX XXXX, however, XXXX XXXX refused to authorize being recorded -- even though XXXX XXXX acknowledged that it was recording the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: PA
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:
XXXX, Equifax and XXXX have assisted XXXX in making my life extremely difficult to live for the last few years. Theyve done this by reporting false late payments on my consumer reports which led to my scores dropping from the low 700s to the mid 400s. This has in turn affected how lendable I am in a negative way and has prevented me from getting a house, a car, credit, cards or even bank accounts. Its scary thinking about all the sleepless nights Ive had due to this particular issue. The consumer reporting agencies have violated my rights as a consumer under title 15 Chapter 41 Credit reporting agencies section of the US Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Experian Information Solutions Inc.
State: NV
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 sent a certified letter to The three ( 3 ) major credit bureaus and XXXX XXXX account number # XXXX, to validate this account, and received no responses. 
On XX/XX/XXXX, I sent another certified letter to the three bureaus and XXXX XXXX, account number # XXXX, once again to validate this account and once again they failed to validate this account within the thirty days allowed according to the " Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) '' And they are now in violation of XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX. XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) and 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 2022-01-25
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 there were 3 bills added to my credit reports from Paragon Revenue Group in the amounts of {$140.00}, {$210.00}, and {$390.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am not aware that there is a debt from XXXX XXXX, and unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 purchased handbags on the net and upon receipt of items it turned it to be that all items received are counterfeit items Tried to call merchant but no answer, the website I purchased from disappeared ( XXXX XXXX ) and I can not get to the merchant and when I texted the number of the invoice I received a message stating this not a business phone no. ( copy of text attached ) I submitted a claim to Capitalone consumer protection dept. stating the problem and my claim was denied three times in the past two months and bank are not cooperating to protect me as their client. 

The bank asked me for the impossible which a letter from a third party stating that items are fake and XXXX XXXX store at the XXXX XXXX XXXX told me that they will not authenticate or issue such letter. 

The only way to find a company that does authentication and pay a few to authenticate which capital one card investigation dept. refused to cover the cost and asking me to cover the cost of authenticating the bags

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Servicer Mr. Cooper has collected additional payment amounts than what's allowed per the promissory note. My loan does not include any escrow payment, but their recent " analysis '' in late XXXX, led them to deduct more than my prescribed monthly contribution on XX/XX/XXXX. I tried the loan servicer 's chat to talk to someone, but got an error. I submitted a ticket through their website and got no response. After I further noted that my checking account debited had been overdrawn as a result of their higher payment, they said the issue has been escalated. It's been a week and I have got no update.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The company ( CITIBANK ) has responded to my query that the account is closed on XX/XX/XXXX while my conversation with them was at least 2 weeks ago and the letter they sent to me shows another error mentioning that my account WILL be closed on XX/XX/XXXX. Again, the inappropriate hold of my fund after they decided to stop providing the banking service should be reimbursed because it has cut my access to my funds. They should have sent my check earlier not now.

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 2022-01-25
Company: Experian Information Solutions 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:
I have not been able to resolve an issue with a wrongful insert of derogatory information inserted into my credit profile. I have provided the credit reporting agency copies of my identity, police report for identity theft, Additionally, have requested method of verification. As of to date, I have not received any update. Except a generic letter stating verified as accurate.

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 2022-01-25
Company: Experian Information Solutions 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:
I have disputed the accuracy of the following derogatory information. 
That has been wrongfully inserted in my credit profile. I have requested that all three major Credit Reporting agencies investigate the accuracy of the following wrongful information listed below. 

As part of the Credit reporting agencies, I have requested verification of the original contract with my signature. Additionally, have requested the method of verification. As of to date, I have not been provided with requested data. Resulting in ongoing derogatory data in my credit profile.

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 2017-07-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, XXXX sold our Mortgage to Bayview Loan servicing. We had never heard of Bayview until then. However, they are reporting on my credit file that I have had a loan with them since XX/XX/XXXX. They are also reporting that I have missed 4 payments, and I have made 2 on their Fresh Start Program. I was contacted by a Bayview Representative, XXXX XXXX in XX/XX/XXXX, and asked if we would like a loan modification and I applied for it, and was told about the Fresh Start Program. I was told to get a Prepaid debit Card, and to put {$890.00} on it so that Bayview could withdraw it for the house payment for 3 months, and they would forgive the payments that were behind while they were assuming the loan. Our first payment was to have been in XX/XX/XXXX, but we received no paperwork to sign to accept the new program. So on XX/XX/XXXX, I telephoned Bayview, and a payment in the amount of {$890.00} was given to them by phone. Again, XXXX XXXX told me she was setting us up on the Fresh Start Program, and a payment of {$890.00} would be coming off the card on XX/XX/XXXX. I placed {$900.00} on the card for the payment, and Bayview NEVER took it off. ( See Transaction list for Prepaid card, attached ). I called back to Bayview, and XXXX was not available to take my call, so the lady who answered the phone, stated to me the next date for a payment was XX/XX/XXXX, NOT XX/XX/XXXX. This was an error on XXXX XXXX 's part, not mine. The Fresh Start Program was suppose to start with the first payment on XXXX XXXX, and the previous payments for XXXX, XXXX, and XXXX were to be forgiven and added to the maturity of the loan. Before Bayview, as I stated, this loan was with XXXX. We borrowed {$85000.00} in XX/XX/XXXX, and when the mortgage was bought by Bayview, we now owe {$90000.00}. Our interest rate has changed 2 times. Our entire payment has been going to the interest for 8 years. I received a XXXX package from Bayview, and it was my address, but NOT my name, nor the information on my account. It was someone else 's account, and they wanted me to sign it and send it back. This account has been sold at least 4 times, in the past 6 months, and I have NEVER signed ANY paper for any company except XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Media Collections, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has called numerous times asking for another person, I explain that person doe not live here and never heard of the person. They say they are taking my number off their call list but a couple of weeks go by and they call again same story different day. I do n't know this person nor have I any information on this person STOP CALLING 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 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Fraud Department : Remove fraudulent accounts from 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 non-monetary relief