BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: NJ
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 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 instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My complaint is based on a single issue, Bank of America collected on a debt they had already written off for tax purposes. 

The submission process forced me to pick the " best answer '' and that was that the debt was written off in bankruptcy and not owed. That's not correct, but the submission process for forces and answer and it was the best match. 

I filed a complaint before with all the details ( XXXX ). The bank would not reply to me on that complaint. So I filed a second complaint ( XXXX ) regarding their unwillingness to respond. BofA did respond to that complaint and indicated the representative handling the first compliant was removed from her position and that my correspondence was sent to an old postal address that was not included as my contact information for the compliant ( but they had my phone and email correct ). But based on the second complaint it did finally get the details from the first complaint. It outlined in detail why the bank was allowed to collect on a secured loan that went through bankruptcy. Of course they are - that wasn't the point of the complaint. The assertion, again, is that BofA collected on a loan they had written off for a tax loss. 

The reason for my assertion- as was stated in the first complaint, was that the first BofA representative I spoke with spent quite a bit of time looking for my loan which was not displaying based on account information. After careful research using my SSN, she very clearly - and without any confusion- stated that she had found the record and that it had been written off for tax purposes and that " it could not be collected on '' and that she just needed to send the request to have the lien released. 

The bank later cancelled the lien release and stated that they were going to collect the unpaid balance. This process began in early XX/XX/XXXX. They did not provide a payoff until XX/XX/XXXX. It took them almost exactly three full months to provide a payoff amount. That is ridiculous amount of time to provide a payoff amount. 

To repeat - the assertion is that BofA collected illegally on a debt that had already been written off. That is the only assertion - collection of a debt written off for tax purposes- as was clearly explained to me BY THEIR REPRESENTATIVE.

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 2022-04-23
Company: EdFinancial Services
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 filed a dispute in regards to the inaccurate items in my credit report. It has been well over XXXX ( XXXX ) days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion is not conducting investigations of any sort. In a previous complaint, I submitted documents from their known vendors such as XXXX and XXXX that no public record was reported to the organization. I also supplied a court letter that was most recently sent to me. After seeing Transunion state that the public record was verified by the courts, allow me to resend a court letter that was sent in previously to Transunion directly in which they state my claim was frivolous. 

Transunion appears to be willing to intentionally keep consumer credit reports low by maintaining unverified 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 2021-08-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company Experian committed fraud when they took my personal identifying information without permission, and provided the information for sale to other persons to knowingly maliciously commit fraud and oppress.

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 2022-08-21
Company: CBC Companies, Inc.
State: CO
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:
Reported to the Credit bureaus as 6 hard inquiries that impacted my credit score from XXXX XXXX XXXX XXXX in which was XX/XX/XXXX and also from the same company XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX and Date of inquiry XX/XX/XXXX. Also, Factual Data in which the date of inquiry was XX/XX/XXXX, XXXX XXXXXXXX, the inquiry date was XX/XX/XXXX, XXXX XXXX BANK XXXX, the inquiry date was XXXX and XXXX XXXXXXXX XXXX XXXXXXXX the hard inquiry date was XX/XX/XXXX. XXXX XXXXXXXX Bank and XXXX have recognized credit companies but are unauthorized to access my credit report for this reason. For all hard inquiries mentioned above, I didn't give the company authorization to access my credit report for this reason. All 6 hard inquiries from the companies have been reported as a dispute and submitted to the credit bureaus. The dispute confirmation number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Churchill Holdings, Inc.
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
XXXX XXXX Churchill mortgage XXXX XXXX XXXX XXXX XXXX XXXX I as a single mother with steady income, steady household income have been denied due to not having credit scores over XXXX. For FHA loans on all government websites it clearly states these loans are specifically designed to help people like me with less than average credit scores or marks on their credit. These loans are being used for people who have higher credit and are being told all credit marks on their reports must be remedied prior to loan acceptance. If I had a perfect credit score or credit profile I would not be looking to obtain a government backed loan. No banks are offering the XXXX credit limit as disclosed as a requirement for the FHA loan, rather asking for XXXX or above. I have attempted through multiple lenders and now my family is at risk for homelessness due to the loan system. I have the ability to pay, I am currently paying and have the ability to pay all future payments. I am being told with a monthly household income of over XXXX after taxes my household does not make enough money. I feel I have been discriminated on as when working with XXXXXXXX XXXX my lender contacted my real estate agent and notified him I was unable to obtain any loan and would not be capable of obtaining any loan. This has greatly affected my ability find and secure housing for my family. If government backed loans are specifically made for lower income, lower standard individuals like myself ( single mother households ) why these loans not being provided to individuals such as myself to remedy homelessness or the chance of. Where go? Who do we turn to? Do we just accept homelessness? There has to be someone who lends based on government standards set in place rather than making their own standards and denials based on poor credit scores when clearly the minimum score has been set at XXXX. Can you please direct me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian is reporting incorrect addresses that I have never lived at : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2023-02-07
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian has gotten me very upset They frequently have false information and do not help you at all They should be closed down ; they just transfer you Experian XXXX detected a change to a financial account. 

Received TWO emails : Alert Found : Bank Account Change Bank : XXXX XXXX XXXX, Account Holder Information Change called XXXX ; there was no change. Membership dept transferred me to dispute. 
customer service is unacceptable. Spent an hour on phone and just got upset. They make matters worse.

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 2022-04-23
Company: CCF Intermediate Holdings LLC
State: LA
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:
Cash Central, a loan service, reported an inquiry that I, XXXX XXXX XXXX, did not commit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: NC
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-06-23
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX  date XX/XX/21 Sold to XXXX XXXX XXXX account XXXX balance is {$520.00}. 

In accordance with the Fair Credit Reporting act XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Information was sent on numerous occasions, from XXXX and XXXX of XXXX with the correct documents with proof of a notarize letter, the items were disputed again in XXXX and sometime again in XXXX and XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: IL
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:
According to FCRA LAWS 15 U.S CODE & 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charg ACCOUNTS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: EQUIFAX, INC.
State: IN
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 hard inquires on my credit that I allow to be on my credit. XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: WI
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:
The XXXX XXXX XXXX XXXX XXXX XXXX care account is satisfied/paid in full. However, the still open dispute on this website ( XXXX ) wouldn't allow me to dispute directly on the Experian website.

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 2023-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2023, Capital One sent me a letter requesting verification of XXXX XXXX ( not a problem ). The letter did NOT have a phone number and only offered a fax number ( who has a fax machine ) and a physical address. I mailed in the requested documentation along with copies of the letter so they could reference the matter. I didn't give it any more thought and just moved on down the road. 

On Monday XX/XX/XXXX I got a notice my account was restricted ( not useable ). After spending quite a bit of time on the phone the supervisor was unable to find my mailed response to their query. Not a big deal this stuff happens. So I asked for an email address to send it in ( since Capital One may be the only major or regional bank in the country that does not have a secure messaging portal in their dashboard ). They do not have one.

The only solution was to mail it back in again ( we know how that turned out ) or to fax. Who faxes?? They told me that it would be processed in 48-72 hours. Seems odd as most other banks and brokerage firms can tell me immediately when a message is received. But I understand confirming receipt and processing the document are not. the same thing. 

I was finally able to get my computer to fax through my printer and sent it in multiple times. I never got any confirmation so I have to assume the received it. I also mailed hard copies ( again ). I called their morning ( 72 hours after submission ) and they had no way to tell me if they got the documents or not. Then they said it would take 7-10 days to process. 

The significance of all of this is this is our primary company credit card which all my employees use. So I have half a dozens employees out in the field that are not able to purchase items for our construction company. We are scrambling to find another institution that can issue new cards but until then we are sort of shut down. 

I fully appreciate banks needing to get documentation to keep their records up to date. I can even get that stuff gets lots in the mail. However for them to not have any way to verify receipt of documents or to escalate a matter when a companies credit is shut off is wrong. There was no ability for me to speak to the department, there was no escalation. They just said sorry you have to wait up to 10 days event though it has been almost 2 months since your first submitted and we might be able to tell you if we did or did not get the faxes you sent in ( I am paraphrasing ). 

If you have a credit card with Capital One and they send you any written correspondence best be prepared for them to loose your response and possibly shut off your credit card unannounced. Very danagersous for a small business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # 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 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

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 2022-08-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I have 3 cases in XXXX Municipal Court - Small Claims where defendant received service on lawsuits at addresses I didn't reside at. I attempted to vacate the judgements but the court denied all 3 motions. I don't know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from a company called credit collection services saying that I owe XXXX from an XXXX insurance. I have never had any dealing with XXXX ever. I called XXXX and they couldn't find any record of me ever having an account with them and that they don't know how or why this is happening. Please help me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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:
As of XX/XX/2022, before and after I have submitted numerous request to verify and update data as stated on current credit reports. Despite this the complained of agencies continues to update and verify false and incorrect data as you will see on my most recent disputes / complaint ( attached is a copy ) of the hard copy sent to XXXX, XXXX, Equifax and to guys concerning my issues.

Company response to consumer: Closed with explanation