BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

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 2015-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
My auto loan is with Capital One Auto Finance and I have fallen behind on my payments. In XXXX, 2015, they sent me a loan modification form, but I did not meet income requirements to get approved. My situation has changed and I now meet the income requirements, but they are saying I am not eligible for the modification. They can not, or will not tell my why I am not eligible so that I could have the opportunity to fix the problem and make myself eligible again. Because I have bad credit, I am paying 11.95 % interest and a payment of {$710.00} for a XXXX Pathfinder, and on a fixed income, this is just not doable. Why was I eligible for a loan modification in XXXX, but not in XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX To remove personal information and public records that I donot want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer repeatedly and its defamation of my character. 

UNKNOWN ACCOUNTS : XXXX XXXX Bank SS Account # XXXX {$5000.00} XXXX XXXX Account # XXXX {$2100.00} XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXXl Account # XXXX {$350.00} XXXX  Account # XXXX {$2800.00} XXXX XXXX XXXX # XXXX {$25000.00} UNKNOWN INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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 status incorrect

Complaint:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In XX/XX/2011 after I graduated from XXXX College in Maryland I started making payments back to XXXX XXXX at the time. Through that time I had been working for the XXXX and was only making {$XXXX} a year. I requested assistance from XXXX XXXX and Navient to be placed on an income based repayment plan. Instead of working with me they pushed me into multiple forbearance which I have the documentation to back up. They continually harassed myself and my parents on a daily basis as I struggled to make payments. To this day I feel that Navient is one of the worst companies to work with and they still have my payments XXXX and they forced me to go into auto-pay to quickly try and get them paid off. They told me that 30 year financing was not available and that I would need to make the full payment each month which is roughly {$1000.00}. I think for someone trying to do the right thing and wanting to pay off their loans they are being penalized. As the lawsuit proceeds I would be more then happy to provide any information or documentation to show how I was a victim of Navients scam of pushing people into forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since XX/XX/2019 's bankruptcy, mortgage not included, is listed closed on my credit report, even though I have continued payments including huge increased amounts added to monthly payment, my choice of home insurance being paid directly to insurance agency was changed ( without my request ) to an escrow by mortgage holder. I received an email from my password with this mortgage agency and forwarded these discrepancies to their headquarter and the Attorney General 's Office to no avail nor response. To-date, no report of payments since XXXX  is posted to the Credit Bureau XXXX My on-line communication and messaging were frozen and unable to download to view visually.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX Account Number : XXXX XXXX Case Number : XXXX and XXXX I authorized a XXXX card payment of {$360.00} on XXXX XXXX, 2016 during a telephone call to a XXXX XXXX XXXX, representative of " XXXX ''. The {$360.00} payment was with respect to a 20 % deposit for a cruise vacation package. I was prepared to risk loosing this {$360.00} payment, as there was a possibility that work commitments could prevent me from taking the vacation. 
( I have no dispute with " XXXX '' or Capital One with regards to this {$360.00} amount ). 
My dispute is based on the fact that on XXXX XXXX, 2016, without my authorization, " XXXX '' took the balance of {$1800.00}. It would appear that the " XXXX '' representative simply choose to process the {$1800.00} payment on XXXX XXXX, 2016, using the XXXX card number details that had previously been provided. 
During our XXXX XXXX, 2016 telephone conversation, XXXX XXXX XXXX, agent for " XXXX '' was adamant that I had provided necessary authorization during our initial XXXX XXXX phone call, and advised that a refund would not be made. It would appear to be a case of XXXX XXXX XXXX 's word verses mine. 
When you phone the " XXXX '' telephone number ( XXXX ) a pre recorded message advises that the telephone call will be recorded. Therefore, if " XXXX '' are operating in accordance with their own procedure, they will have a recording of said calls. 
On at least three separate occasions, I have made written requests to XXXX for them to request " XXXX '' to share telephone recordings, in order to establish the validity of XXXX XXXX XXXX 's claim. 
I have made several requests to XXXX for the return of {$530.00} owing. XXXX has responded, saying that they are unable to assist, and assigned a " case closed '' status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-11
Company: EQUIFAX, INC.
State: CT
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 was going to apply for a credit card and mortgage in XX/XX/XXXX but found that my credit score had dropped from over 800 to mid 600s. I did pull my credit report on XXXX XXXX and found that XXXX XXXX was reporting twice and with a 90 delinquency. XXXX was taken over or sold to XXXX XXXX around that same time the delinquent reporting started so it was reported incorrectly. We had our mortgage company contact the two incorrectly reporting credit bureaus, Equifax and XXXX to have them investigate and change the reporting errors. XXXX XXXX company was the company that submitted this request around XX/XX/XXXX. They said the change is usually made within 7 days of the request. They submitted all the documentation that they received from XXXX stating the account was paid on time and in full. We waited 30 days with no changes. I then filed a complaint myself through the credit bureaus on XX/XX/XXXX and again submitted all necessary documentation. I had to purchase the credit reports so I could then file the complaints and asked for the investigation. This is a simple case of improper credit reporting and this should have been rectified immediately. This is now going on two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: JPMORGAN CHASE & CO.
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:
I have several hard inquiries from chase bank for credit applications that were fraudulently completed. I have spoken to the company on several occasions resulting in them saying the inquiries would be removed. Five of the inquiries are still there. The company has confirmed that the credit applications were fraud, and were being completed through XXXX but they still have not removed the inquiries. There have been 7 inquiries over the last year. 2 have been removed but 5 are still showing. Chase Bank has lied to me several times about removing them. I have never applied for anything from them, or through XXXX. 

Chase Card Inquiry from XXXX XXXX, XXXX Chase Card Inquiry from XXXX XXXX, XXXX Chase Card Inquiry from XXXX XXXX, XXXX Chase Card Inquiry from XXXX XXXX, XXXX Chase Card Inquiry from XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is debt that was opened on my account on XXXX XXXX, 2016 in the amount of {$1000.00}, that does not belong 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 2022-12-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protected consumers rights to privacy under 15 USC 1681. 
XXXX XXXX XXXX Texas : Docket # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All the above listed has violated my rights. 
Under 15 U.S.C. 1681 s 602 ( a ), I have the right to privacy.

Under 15 U.S.C. 1681 s 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681-s2 ( A ) ( 1 ), A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-10-03
Company: CCS Financial Services, Inc.
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Purchased vehicle and my credit report showed a new collection account from Credit Collection Service. XXXX XXXX XXXX XXXX MA XXXX. Original debtor XXXX XXXX. It caused an increase in interest from XXXX to XXXX and an overall cost of {$1600.00} in the length of my auto loan. I do not owe this debt. I have no idea where this could possibly come from.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Iwas attending the University XXXX and later stopped attending do to medical reasons. I then returned and recieved my XXXX. I was never given a fair chance to pay back my loan due to the high intrest rates that were not discussed with me upon accepting the loan. I later deffered them and they continued to grow interest. I was forced to go back to school so that I wouldnt gain more fees. Those fees and student loans from over 6 years ago are hurting me financially and the attempt to get a house for my family and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have 2 inquiries dated XX/XX/XXXX, 2017 from XXXX XXXX XXXX. I did not authorize this or sign anything to have my credit pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Initiated a Bank of America money transfer for {$600.00} on XXXX/XXXX/17. This transaction has been done for the past several months in the same fashion. Unfortunately, this time no email communication was sent to the recipient, as has been the case previously. Additionally, after now three business days, the communication nor the funds have been delivered. After calling last Friday I was told to wait until three business days had passed. Called again today and after completing four cold transfers and over one and a half hours on hold, finally reached a representative of their " Move Money '' Department that told me the problem was with the receiving bank and that given these " known '' issues it may take up to five business days. Having failed to provide notification to the recipient, as has happened in the past, it seems unlikely the issue is with XXXX XXXX instead of BofA. They did n't initiate the transfer and took the money from my account. I will have to resend this money while I wait up to ten days for them to begin their review of my claim, requesting my money be refunded, plus it can take an additional 45 days for them to return the money they have taken from me and failed to deliver to the intended recipient. In addition, for potentially holding my money hostage for 60 days, they have advised me that there is no entitlement to compensation. They say I agreed to some terms but those terms could not be relayed to me on the call nor are they available for review and verification. I expect this money should be returned with interest comparable to my savings account, the source from which the money will have to be taken while I await their review. I have an outstanding claim, for which I can use CFPB assistance in expediting. Claim # XXXX, dept phone # 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 monetary relief
Consumer complaint received 2023-03-01
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: Investigation took more than 30 days

Complaint:
This information on my credit report is causing undue financial harm to me and my family in an global pandemic I have disputed multiple times and still no response. Please investigate an Remove these items from my credit report as it is inaccurate and false reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Every time I checked my credit report, it stated " delinquency payment ''. 
As far as I know, It disappears that records after XXXX years which already passed for XXXX year. 
I am requesting to investigate this matter to improve my credit score. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft 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 2022-07-26
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/22 at XXXX received a text message that was suspected phishing. I do not have a Wells Fargo account. 
The text stated WeIlsFargoAIert : on XXXX {$44.00} at XXXX XXXX, Not you? Visit us at XXXX XXXX XXXX? secure The number sending the text is XXXX ( XXXX ) XXXX 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 2016-09-11
Company: Navient Solutions, LLC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I called a place called navient and told them the person they are sending the collection letters to does not live here and i dont know who the person is.i asked the supervisors on 3 or 4 occasions to stop mailing me this mail and i dont know who the perso. Is and they tell me ok we will take care of it and take the address off file.it has not worked.im getting harassed and im the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Mercedes Benz Financial Services
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XXXX 2023 i requested to be put on the XXXX ( do not call ) list yet i am still being called

Company response to consumer: Closed with explanation