BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-13
Company: Paramount Capital Group, Inc.
State: DE
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
PARAMOUNT XXXX Balance {$8900.00} Date Opened : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have made several attempts to resolve an egregious error that has negatively impacted m y credit score. I have  been trying to rectify this issue with this company reporting that I 've been late. This could not no be further from the truth. I have always paid on time and not only on time but have paid well over the amount due. I have spoken  to 2 m anagers and the store owners. There names are :  XXXX ,  XXXX ,  XXXX  who has first hand knowledge of the issue. I have also spoken to the owner of the store who has reassured me that he would handle it. To date nothing has been done.  XXXX  is not longer there because he apparently made so many billing errors during his tenure there that they let him go and they all have attested to that. They all know that credit reporting is false but no one is making the necessary moves to correct the error that has been created

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 2022-04-06
Company: Experian Information Solutions 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 information incorrect

Complaint:
On XXXX I noticed an alert from my Experian app stating that someone applied for a XXXX XXXX XXXX of some sorts under my current profile. I have no knowledge of this application, nor have I applied myself. Please have this removed at once for I am attempting to purchase a home in the next few months, and I need to make sure my credit is at the most upstanding condition. Please let me know in the near future if there is anything I can do to assist in making sure this doesn't occur in the future. Under 15 U.S.C. 1666 a 2 I am informing you of a billing error and would like this to be removed as soon as possible so that i can avoid further damage to my reputation and credit history. 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 non-monetary relief
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: IL
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 am a victim of Equifax data breach and I currently have 2 fraudulent credit card ccounts from XXXX bank and XXXX bank showing on my Equifax credit report. I will attach my FTC report, Affidavit of truth notarized, my dispute letters, my identity documentation, and proof that XXXX has deleted these same two accounts last month. XXXX and XXXX has complied with the law and have removed these inaccurate accounts but Equifax is blatantly disregarding the law and refusing to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Account is inaccurately reporting 11 missed payments on my credit report. This account has never been late. I have sent several communications to the credit bureau and creditor and I have called several times for them to delete the late payments due to the inaccuracy. But the information is still showing on my credit report. Even though they have stated they would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Financial Management Solutions, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was reviewing my credit report and saw that a company by the name of Financial Management Solution was listed on my credit report stating that I owed XXXX XXXX XXXX {$3500.00} dollars. I was angry because I have never received any notification about owing any money to this apartment complex. I do remember living and moving from their complex back in 2013. I disputed this claim on XXXX web and XXXX wesite and ask them to provide me from the collection agency proof of this debt and how I came to owe this but I have received nothing. Nether credit bureau will say how I actually owe this money they just keep the collection listed on my credit report not explaining what happen in the investigation There is no court documents or anything. I believe the reason why they have done this is because while I was living there the apartment had many housing violations and I filed a complaint against them with XXXX XXXX 's County Government, Property Standard Division. The inspector charged and fine them and they in return ask me to move and so I moved to where I current live now but prior to me moving here the XXXX XXXX XXXX  manager lied on my verification form of my residency with them and stated that I was participating in criminal activity to hinder me from getting my apartment at the XXXX XXXX XXXX ; but it did not work because they lied and the manager did not believe them. So they have place this on my credit report in retaliation. I have documentation of all that I have stated I will mail the documents to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried each year, for multiple years to obtain a credit report online from Equifax. Each time I try, it says processing, then times out, and says my report ca n't be viewed online. I have had no problem with the other  XXXX  reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted my loan application to Wells Fargo back in XXXX or XXXX. I was told to sell my existing primary residential home in order to qualify for mortgage from wells Fargo. I listed my house for sale trusting what I was told and sold it on XX/XX/XXXX. Finally I found a house in late XXXX and went in to contract with seller on XX/XX/XXXX. I submitted my loan application the following day and provided all requested documents and signed disclosures. Inspection and appraisal were done and waiting for a loan approval. I was notified by the loan XXXX that Wells Fargo is declining my application. Wells Fargo had my files for over 6 months and told me to sell my house and later declined my loan application. Luckily I had a very resourceful realtor who took me to a private mortgage company and got a loan and closed. The issue here is Wells Fargo made me sell my house in order to get a loan from them that did was denied later. I have a wife and XXXX kids. Wells Fargo almost made my family a XXXX. This is unacceptable and should nt happen to any borrower out there.

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 2018-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 many inaqiues repeatedly all in one year I have over 40

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: NJ
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:
This letter is formal complaint that credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify and deleted : 1. Balance of the account is incorrect. Other information I would like changed XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 


The listed item is entirely inaccurate and incomplete, and represents a very serious error in my credit report. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Removal of XXXX accounts on report should be made. I have disputed these accounts with CFPB and XXXX. I have received letter confirming removal of these accounts which should not have been reported in the first place.

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 2021-04-30
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: Information belongs to someone else

Complaint:
I recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, 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:
XXXX XXXX - XXXX is an authorized user account that needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
As of today, Monday XX/XX/XXXX, I have a double charge of {$75.00} against my Regions Bank debit card from XXXX. I called XXXX about the transactions and they informed that there was only one charge of {$75.00}, not two. They told me to contact Regions about the double charge. I went to Regions Bank, XXXX XXXX XXXX XXXX XXXX, TX XXXX. The lobby was closed and this was during normal business hours. I went to the drive in window and asked to speak to the manager. She came and informed me that the charge was pending and that there was nothing she could do until the charge cleared. In other words {$150.00} is tied up for a {$75.00} sale, until the bank clears the charge. I find this totally unfair, that Regions is tying up {$75.00} of my money. Also, I find the manager very unhelpful, because all she kept saying was that as long as the charge is pending there was nothing she could do. She acted like a robot in her answers. She was pretty cold to the fact that there was a double charge. I find her behavior and the bank 's policies to be not very customer friendly. Can something be done about this policy? Thank you in advance for your help.

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 2019-12-07
Company: Experian Information Solutions Inc.
State: TN
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF VETERANS AFFAIRS DEPT OF VETERANS AFFAIRS XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX  XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2022-04-07
Company: Central Portfolio Control Inc.
State: GA
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:
On XX/XX/2022. I noticed an unusual report on my credit report. And because of that, I lost almost 31 points on my credit score. A company called XXXX XXXX XXXX XXXX, also going by the name Central Portfolio Control showed up on my report for collections with a balance of {$2300.00}. Not only I have never heard of that company before, but I also never contracted that balance with any company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: EQUIFAX, INC.
State: TN
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF VETERANS AFFAIRS DEPT OF VETERANS AFFAIRS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF VETERANS AFFAIRS DEPT OF VETERANS AFFAIRS XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2022-04-07
Company: BOK FINANCIAL CORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank of Texas put my account under review client protection and blocked me from using XXXX and I had used my account regularly and normally, I don't know what will be the reason that cause my account got blocked and can not used zelle too. ( XXXX got blocked )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: EQUIFAX, INC.
State: NV
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:
We are trying to qualify in order to buy a home and need our credit report corrected reflecting that this charge-off is paid with a XXXX balance. I am unable to attach a copy of a letter from the credit card company indicating a XXXX balance and settlement of the charge-off. We have urged XXXX  to report this change to the credit bureaus immediately. We can not qualify to buy a home without this correctly listed. The account is listed in my wife 's name, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX   The account number ends in XXXX and listed in my wife 's name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, N.C. XXXX The paid-off amount is {$5400.00} on a balance of {$10.00}, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2019 I received notice that the other borrower on my FHA mortgage with Flagstar bank had filed for bankruptcy. He had moved out of the home 7 years prior to the initiation of his bankruptcy and signed a quit claim deed to me relinquishing all interest in the home. I filed the quit claim deed with the county and continued to pay the mortgage as agreed, but contacted the mortgage company after I received notice of the other borrowers bankruptcy to verify that I would continue to receive monthly statements and how the other borrowers bankruptcy affected me. I was reassured by the bankruptcy department at Flagstar that I would continue to receive statements titled for informational purposes only and that as long as I made the payments nothing would change. In XXXX of 2019 I received a notice on my monthly mortgage statement from Flagstar that {$930.00} had been added to my loan for legal fees. The mortgage company agreed to send me an itemized statement of the fees for me to compare to the threshold of legal fees permissible for an FHA loan. I never received a breakdown of the legal fees. As of XX/XX/2019, the mortgage company now claims that I can no longer receive mailed monthly mortgage statements or a breakdown of the legal expenses due *until I sign a reaffirmation agreement ; despite the fact that I never personally filed for bankruptcy. * The mortgage company is also claiming that the reaffirmation agreement is currently in the possession of the other borrowers attorney and that the mortgage company is unable to send me a copy to sign personally.

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 2019-12-07
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: Account information incorrect

Complaint:
On XXXX of 2018 XXXX  XXXX XXXX reported to the 3 credit bureaus Transunion XXXX  and XXXX  that my payment was late when it was their automated system that was not functioning properly and received my account number incorrectly. I have made multiple requests to resolve this matter but XXXX- XXXX  XXXX  does not have a direct number to speak to a live agent. They are systematically ruining my credit history and I am pleading for help.

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 2022-04-07
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 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 has violated my rights. 

15 U.S.C. 1681 section 602 A. states i have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: STERLING BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX XXXX XXXX ( XXXX XXXX XXXX, USA ) was recently taken over by Sterling bank and they are now going to charge XXXX $ a month for mailing paper bank statements. 

This is my mother 's bank account. She is over XXXX and has had a XXXX. She doesn't have email, nor can I teach her how to appropriately deal with the electronic records. 

Physically changing banks is hard for her due to mobility issues - she has been banking there for 50 years and it is close to her. 

I am sure a " reasonable '' fee may be charged, but this doesn't seem like a " reasonable '' fee to me. 

We tried talking to the bank but they don't care - she doesn't really have a large account

Company response to consumer: Closed with explanation