BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. Other information I would like changed CAPITAL ONE Account Number :  XXXX Please remove this inaccurate information from my credit report. 

2. XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: VA
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/XXXX, I have written a letter to Equifax and Informed them that following items on my credit report are inaccurate and they should be remove ASAP. I never received any corresponding from the Equifax that they have initiated any inquiry. It has been 30 days since I sent them letter. Therefore, According to the XXXX FCRA the following unauthorized and unverified must be removed immediately, since they are stopping me to getting into a home. 

XXXX. XXXX XXXX ( XXXX, Account is not mine ) XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Account Paid Off ) XXXX # XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. TX- XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. TX XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XX/XX/16. I had a credit building account with XXXX I decided to go ahead and prepay the credit building loan. {$2500.00} was sent to my government t prepaid card with Bank of America. For 3 months I been trying to get my account back but they have not been very cooperative.

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 2022-09-16
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct these erroneous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XXXX XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if Experian chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX MORTGAGE XXXX .... Date Opened XX/XX/XXXX XXXX $ XXXX Late Dates XXXX, XXXX XXXX .... Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, XXXX XXXX XXXX SERVICES XXXX .... Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXX .... Date Opened XX/XX/XXXX XXXX $ XXXX Late Dates 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 2020-10-02
Company: EQUIFAX, INC.
State: IN
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 recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. Im beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging effect on my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: FIRST MORTGAGE COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX and I am filing a complaint on First Mortgage Company due to they are not trying to assist me with keeping my home and when I ask questions they will only say they are servicing company and been giving me the run around and please can some one reach out to 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 2016-04-07
Company: SYNCHRONY FINANCIAL
State: SD
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
From XXXX XXXX till XXXX XXXX I had an account with a limit of {$2500.00}, soon raised to {$2700.00} dollars.The highest I ever had the account was just over {$500.00}. I was never late with a payment and in good faith made twice the payments needed, most well over the minimum asked for. Of those XXXX payments XXXX bank drew from the wrong account, the one I had closed. The moment I was made aware I corrected it and resent a payment from the correct bank, XXXX XXXX. Never ever, even with XXXX screwups, was I late on a payment. Yet because of XXXX screwups my account was abruptly closed, and with XXXX reputation I 'm sure you 'll try and XXXX with my credit rating for your own amusement.

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 2020-10-02
Company: Chime Financial Inc
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Recently XXXX XX/XX/XXXX ) I discovered ( as a result of trying to log into my account XXXX my Chime account had been suspended. When I inquired about the issue I was given a vague " unusual activity '' reason and said they needed to verify my identity. They asked me to provide a pic of my license and a 2nd form of ID ( I opted for passport ). THEN, they responded and asked me to also provide a picture of the back of the license and a clearer pic of the passport, which I did. THEN, they responded and asked me to provide a picture of me holding my passport, which I found highly unorthodox and very suspicious. I find it very strange that each time I provide the information that they request, that they request more. I've even provided a document with my address on it, which is one of the items listed as an acceptable 2nd form of ID. They still asked for a picture of me holding my passport! I called on XX/XX/XXXX and was told the issue was being escalated so I could get some more specific answers to why my account was suspended, but I have not heard back. I've sent a couple emails asking for the status of the escalation, but both times received the response telling me I need to send a picture of me holding my passport. I've asked them several times to provide some detail on why my account was suspended, but they have flat out refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX XXXX ( XXXX ) XXXX {$23000.00} Amount Reported XXXX 's XXXX XXXX Assistance XXXX at XXXX XXXX XXXX, XXXX, TX XXXX XXXX Consumer Solutions XXXX XXXX 2000 XXXX, PA XXXX According to 15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT LAW, this company was never given permission to report this to my credit. I traded my car in for a car and they scammed me. The motor went out after reporting to them on several occasions that something was wrong with the car after noticing it smoking. I did out of pocket expenses to fix the car nothing could prevent it from going out. I only had the car for two months and the company is giving me run arounds and i gave the vehicle back. Without receiving my old car back and they have the wrong amount that was agreed! I have faced multiple hardships because of this. I cant find a place to stay because they have reported this to my credit! I call them on multiple occasions trying to resolve it with them they send me to voicemail, dont return my calls, they speak to me rude and offer no help! CONSUMER LAWS START WITH 15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT meaning did they get my permission to report on my consumer credit every violation is {$1000.00}. Florida law makes an exception : If your unpaid balance at the time of default is less than {$2000.00}, the lender can't go after you for a deficiency. ( XXXX XXXX. XXXX. XXXX ( XXXX ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My XXXX saving account was levied by win law group, XXXX receivable went to court on judgement and XXXX XXXX XXXX bought the debt from??? XXXX XXXX is original debtor. the debt is old, over 7 years old and it is not on my credit report. I was not notified at all, I have been at new address 4 years, they say they sent notice to my old address. I have been at same job for 17 years. I have had same phone # for many years. I am XXXX XXXX XXXX. They took all my life savings, XXXX dollars. Is there help for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible.

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 2020-10-02
Company: TCF NATIONAL BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have been been paying more than the minimum amount on my HELOC account with TCF Bank and instead of the principal decreasing it has been increasing. I have tried to contact the bank through e-mail and phone with no success. I have asked for detailed statements on the account but they have failed to correspond. The Website account shows no information on my account or detailed statements and the same is true for the mailed statements. Recently the TCF has changed my account number to a new account number and also changed the Web site where the payments are made. 

XX/XX/2020 : Payment of {$1000.00} Confirmation # XXXX XX/XX/2020 : Payment of {$650.00} Confirmation # XXXX XX/XX/2020 : Payment of {$550.00} Confirmation # XXXX My balance in XX/XX/2020 was {$100000.00} My balance as of today is {$100000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Conn's, Inc.
State: AZ
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:
I hand delivered a cease and desist letter to Conn 's XXXX XXXX, XXXX, AZ and the manager accepted it. I have filed a complaint with the Arizona Atty General in regards to deceptive sales practices and this C & D letter was to inform them that I was disputing the contract and would not be paying it. I demanded them to cease collection calls. Since receiving that letter, I have received XXXX harassing phone calls from their collections department. When I informed them of the C & D letter, they acknowledged they had received it. Today, XXXX/XXXX/2016, I have received XXXX harassing phone calls from them while at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX APT XXXX XXXX, XXXX XXXX XXXX WAY XXXX, CA XXXX NOT PROVIDED XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX RESIDENT XXXX XXXX XX/XX/XXXX Chapter XXXX Bankruptcy Reference # XXXX Date 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 non-monetary relief
Consumer complaint received 2022-03-14
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: Their investigation did not fix an error on your report

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file.15 U.S. Code 1681b - Permissible purposes of consumer reports. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. XXXX and XXXX Deleted XXXX Mortgage FRAUDULENT account. 

Attached Affidavit of Identity theft, Police Fraud report, FTC Fraud report and my ID for deletion.

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 2015-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
According to my credit report I owed {$130.00} to XXXX XXXX XXXX. However, they have no record of me ever having an outstanding balance with them. Neither do I.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: PA
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'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be corrected. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corected immediately. 
XXXX & XXXX BANK XXXX XXXX : {$0.00} XXXX & XXXX BANK XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Atlantic Credit & Finance, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The representative, XXXX, from Atlantic Credit and Finance Inc. has called repeatedly, include at my work place. The first time she called on my job, I asked her not to. She called again this week ( Tuesday, XX/XX/XXXX ) I asked her again not to call and hung up. On Wednesday, XX/XX/XXXX she called my cell phone under a number that came up " unknown. '' When I answered, she urged me not to hang up, and insinuated repeatedly that by not cooperating with her or hanging up would not do me any good. I sternly asked her not to call me again and hung up.

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 2022-03-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported 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 non-monetary relief
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: TN
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 sent a dispute out to all three main credit bureaus and ask for validation of the debt of an account. They all came back as verified. I then contacted the Bankruptcy court and they informed me that they did and do not verify debt with bureaus. I am requesting that they send me the Method of verification of this debt. 

I am writing to request the method of verification for the dispute initiated between 30-60 days ago. 


Chapter XXXX Bankruptcy Case Number : XXXX Please send the following information used to verify the validity of CHAPTER XXXX BANKRUPTCY Case Number : XXXX 1. The name of the original creditor 2. The creditor 's address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute I personally have an attached letter from the court stating that the did not verify the dept to Credit Bureaus. 

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
Sincerely, 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 2017-05-22
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I received an email from XXXX XXXX that there was a change to my credit report. It stated between XX/XX/XXXX and XX/XX/XXXX, a new account in collection was added to my report. The collection agency is SYNERPRISE CONSULTING SERVICE INC.  The original creditor was XXXX XXXX. I received a letter from XXXX indicating that I owe them {$340.00} for some labs that they had taken from me. I contacted XXXX and told them the amount of debt and the description of the test that they had included was a lie. The agent whom I talked to on XX/XX/XXXX told me to fax the orders I had received from the clinic I had visited on XX/XX/XXXX. I did that and she said the issued had been taken care and I will be no longer receiving any such allegations from XXXX or any other Agency. On XX/XX/XXXX I received a letter from Synerprise Consulting Services Inc stating the account has been referred to them for collection activity.
I have contacted Synerp
rise through telephone but no one answers my calls. I wrote a letter requesting Account Validation no one has mailed me any reply.

Company response to consumer: Closed with explanation