BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I've sent out several letters to all three of the credit bureaus letting them know that a lot of the information they are reporting on my consumer credit report is inaccurate. Such as XXXX has my mother 's name in place of my name and for allis have my correct name in place of that. Also, XXXX, Equifax, and XXXX have closed accounts and payment history on closed accounts in which I've attached with this complaint. all listed in my consumer credit report. I have sent copies of my Driver 's License with current address listed on it. I've sent copies of my social security card and bank statement that fell on blind eyes. All three of these credit bureaus sent me stall tactic letters and postcard letting me know that I didn't send them any proof of my identity and wants me to re-send the information to give them more time. Every time I send in the requested information in, either XXXX doesn't respond back to me and when they do, it's way past the 45 days with again, send them proof of my identity. This is a bunch of XXXX and they know it. I have signed United States Postal Signatures from XXXX, Equifax and XXXX that they did receive my disputed letters with proof of my Identity attached to the letters. I'm really surprised by Equifax because I sued them back in XX/XX/2018 and won by default. I'm not willing to go through this sending back and forth for something I've sent time and time again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: NY
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:
MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I DID NOT AUTHORIZED THESE INQUIRIES PLEASE SEE ATTACHED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2016-05-17
Company: BB&T CORPORATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I applied for a line of credit with BB & T in XXXX. I was denied for the line of credit and XXXX of the reasons was excessive obligations in relation to income. This makes no sense considering the only considerable debt I have is student loans. My debt to income ratio is approximately less than 9 %. My student loan payments are {$400.00} and my gross income is about {$5000.00} a month. The rep told me the threshold for DTI ( debt to income ratio ) was 36 %. I had ample room to make a payments so I believe there should have been a counter offer not a denial. I have no other debt besides student loans. I also have been approved for another line of credit recently. No bank should be denying consumer 's credit because of student loans when the payment is less than 9 % of the person 's income. Excessive obligations in relation to income should not be reason for a denial but should have been the reason for a counter offer the underwriter determined was appropriate for my financial status. 
According to the Community Reinvestment Act the bank is to meet the credit needs of the local community. I am certain that majority of the community has a negative net worth because of student loans. By denying the application completely as oppose to countering the bank is certainly not adhering to the community reinvestment act.

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 2016-06-22
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On my credit report it is stated that this account with XXXX ( line XXXX ) is " ACCT IN DISPUTE. '' This is not accurate. The account is not in dispute and has been settled and closed. 

Experian needs to report this account as settled, closed and remove the comment about it being in dispute.

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 2020-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/2019 - 30 DAYS LATE??? ... ..I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
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: Information belongs to someone else

Complaint:
Recently I suspected that my identity has been stolen due to the amount of notifications I received about inquiries that I have no knowledge about. I also am aware that my information was exposed I about 2 different data breaches. XXXX data breaches, and XXXX Data Breach. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.

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 2021-04-21
Company: ERC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has been calling my work, and home. Niw sending latters. I told them its not mines. Now the threatened to ruin my credit. Im filing a complaint and want this removed from my credit reports. 

ENHANCED RECOVERY COMPAN reported a New Account to your XXXX  credit file. 
Source : XXXX  Company : ENHANCED RECOVERY COMPAN Address : XXXX XXXX XXXX, XXXX, FL XXXX Business Type : XXXX Balance : {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We got a loan modification from XXXX XXXX in XXXX in which they made a bank error and did not credit us with a returned check which we made good and they capitalized our loan {$12000.00} in excess. When XXXX took over the loan, they did not give us credit for XXXX payments we made in XXXX totalling {$6200.00} From XXXX, XXXX to XXXX, XXXX, when we received a modification from XXXX, XXXX payments were not credited to our account totalling {$18000.00}. From XXXX, XXXX to XXXX, XXXX we have found that {$33000.00} was capitalized into our mortgage account for escrow charges for taxes and insurance. We paid the home owner 's policy from XXXX to XXXX, XXXX when XXXX put the insurance and taxes into an impound account. However during the time we were paying the home owner 's policy, XXXX charged our escrow account {$7400.00} for home owner 's insurance which we ourselves paid. We have a letter from the insurance company substantiating our claim. 
According to our records, {$9800.00} was capitalized to my mortgage account for taxes and insurance which represents an excessive charge to my mortgage account. Also according to our records, {$23000.00} was charged to my mortgage account for accrued interest and late charges from XXXX, XXXX to XXXX, XXXX. This represents an excessive charge to my mortgage account. We have submitted documents to XXXX and now SPS Loan Servicing who is the present loan servicer on the account verfiying all payments we have made on the account from XXXX to XXXX, thus confirming our claim that many bank errors were made on our account and that XXXX owes us approximately {$100000.00} on our account plus applicable interest from XXXX when XXXX bought the loan servicing rights on the loan to the time when XXXX gave us a loan modification in XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
My concerns are : The loan was declined in spite of my Exceptional credit rating and solid financial standing Citizen One ran a credit check, leaving a permanent mark on my record The explanation given for the decline, APPLICANT 'S IDENTITY CAN NOT BE VERIFIED is not plausible because they did run a credit check. What part of my identity do they lack when checking into my private credit information? 

What happened : I visited the XXXX XXXX in XXXX XXXX, CA on XX/XX/XXXX to buy an XXXX. I wanted to participate in the Upgrade program, for which applying for the loan or using the XXXX Credit Card ( which I did not have ) was mandatory. 

I filled out the application on the stores XXXX and hit submit at around XXXX XXXX. Within about 60 seconds, the store Associate informed me that my loan application was DECLINED. 

He then gave me a phone number to call to try and find out why the loan was declined and to try and repair the situation. I called the number and navigated the voice mail tree multiple times, being placed on lengthy holds and ultimately concluding that no one at the loan company was available to answer questions. 

When I arrived home, I found an email time-stamped XXXX XXXX that said : Thank you for your recent application ( s ) for an XXXX loan with Citizens One. After careful consideration, we are unable to approve your request for the following reason : APPLICANT 'S IDENTITY CAN NOT BE VERIFIED If you have any questions, feel free to call us anytime at XXXX. 

The next day, I found that a credit check had been run by Citizens One. If they were unable to identify me, how were they able to hit up my credit, leaving a permanent mark on my record showing their inquiry? 

In my subsequent phone call to Citizens One, the agent stated that they would investigate if I was really interested. I said I was really interested. She said they would get back to me in about a week. I have not heard back from them in the ensuing 5 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
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:
Experian see attachment you have 5 business days to respond not 30 days or show 15U.S.C.6802 obligation to disclosure of personal information a release

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 2017-04-03
Company: United Collection Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received three calls from XXXX at United Collection Bureau Incorporated stating that this was a call from a debt collector. She said to call XXXX. I finally returned the call. She asked for my middle initial and my address. Then she said I was not the correct person. I am concerned that this was a phishing scheme to get my personal information. I have no idea if this was a legitimate debt collection call. The strange thing is that XXXX answered the return call. I would assume that a large debt collection agency would have several people manning the phones. The chances of me getting her should have been low.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: PARK NATIONAL CORPORATION
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I entered into a contract with XXXX XXXX XXXX XXXX in XXXX, Ohio ( buy here pay here auto sales ). The car sold was a lemon and the transmission died on the vehicle early in the loan. XXXX XXXX Would not help me and sent me to call Guardian Finance whom bought out the loan on the vehicle. I was told by XXXX to send the car to an approved auto body shop and she would approve for the car to get fixed ; then she would take the price of the fix on the car and put it on the back of my loan. XXXX reneged on this deal after a verbal agreement was made. XXXX approved for the car to get fixed then told me I owed upfront for the car and an incurring balance for the car 's loan. I was unable to pay {$3000.00} for this process and the car was commandeered instead. Guardian Finance sued me for the {$3000.00} ; posted on my credit report that I owed {$3500.00} with them and {$3000.00} with the courts. The creditor proceeded to harass me and my family for the money telling family and friends that I owed on another amount for the loan. Now, Guardian Finance has reported on my credit report that I owe them {$8000.00} instead of {$3500.00}. This car was resold after being fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I went to court to change my mind for filing XXXX XXXX bankruptcy. I have sent 4 letters to each one of the creditors explaining the bankruptcy was never filed. I sent XXXX XXXX a letter asking for an update on my credit report and asked them to removed the bankruptcy and sent them the same letters. XXXXXXXX XXXX removed the bankruptcy after looking over letter from the court stating no bankruptcy was filed. I am asking for help to remove this bankruptcy off of my Experian credit report. I have called Experian and sent in proof that their showing inaccurate item on my report about the bankruptcy. I'm asking for help to have it removed for I can get on with my life. 

Sincerely, XXXX 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 2022-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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 got a notification from XXXX XXXX that there was a Hard inquiry on my credit report. After reviewing it, I noticed that Capitol One banking did a credit check on XX/XX/2022. I did not authorize this hard inquiry on my credit report and therefore placed a fraud alert on my credit report. I need this Hard Inquire removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11
Company: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I began this process a year ago. I applied for mortgage assistance, and was entered into a short sale agreement that unfortunately didnt work out. There were issues with the realtor, and eventually the agreement fell through due to requirements from the mortgager that was supposed to get handled but never were. Things were being requested that were never in the home before we purchased it. I never received a resolution, and entered into the assistance program again. This time around I had an individual interested in renting the property to help us get out of our financial crisis. I simply needed a forbearance agreement. Sounded simple, but now over 8 months later, I am still getting lied to and XXXX  around. I believe their goal is to obtain the interest, and render me completely insane in the process. I have literally sent them every shred of paperwork requested multiple times. I would talk to a rep that stated everything was there and good to go, and the next time I called would be told the opposite. I would resend everything again, and go through the process all over. This exact described situation has happened so many times I lost count. I talked to reps during these months that called to check on the loan and if I would be making a payment. When I told them I am in the assistance program, they stated that they were in a different department, and couldnt assist me. It became so crazy that they said a small smudge on my docs were keeping my files from going through. I corrected the said smudge, and the next time they didnt know of any reason my files werent working. I sent the docs needed to them in so many ways that they should know everything about us. Now, they arent working with me, and I have a forclosure date looming. All I need is a forbearance to proceed with the renter. Please help us out!!!! I cant work with people that tell me lies after lies. I am going insane!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: SYNCHRONY FINANCIAL
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
By approximately XX/XX/2021, I received a call from a SUPERVISOR of the synchronic bank, claiming that I did not pay my credit card and that I have late fees. I have told him that i pay the full amount of {$2100.00} on XX/XX/2021, which is the amount that i owe from the credit card. That check comes from the Government of XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which clearly has a balance. They tell me that the check was returned and I ask which address? and they said they dont know, and i told the supervisor that i have not received the check on my mail, because it was from my address that was sent. he don't no the address the date that the check was sent. that makes me think that some one cash out the check from the company or maybe they want me to pay twice. The supervisor did not know how to answer me and told me to wait a moment that he will look for more information in another department. After waiting about 30 minutes he tells me that the check was shredded because it had no funds. I told him that I needed proof that the check was shredded and to send me evidence of the check on his system. He refuse to do that because they don't save that information in the system. He tells me that he will do an investigation and call me back but in the meantime make a payment. I tell him I am not paying anything because my debt was paid in full and that I have proof that the check was cashed. They continue to insist that i have to paid and at this moment i owe more than {$3000.00}. I am already in a position where I am depressed by this situation. My credit is being affected by this situation. 
by this time i have never receive a call with a answer or a copy of check Please i need a real investigation of what is happening here. 
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 2022-09-06
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 information incorrect

Complaint:
i have alot of wrong listings on my credit that are descrobed in the letter attached and need the fixed and deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted an Equifax dispute on XX/XX/2020 for two debt collections. One debt collection was for XXXX XXXX XXXX XXXX and the other for XXXX XXXX XXXX XXXX. Both collections were for the amount of {$270.00}. I have continuously checked the Equifax dispute center and tried emailing their customer care to remind them of their obligation to the FCRA. It has been 37 days and no results have been posted.

Company response to consumer: Closed with explanation