BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
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: Information belongs to someone else

Complaint:
XXXX has my account information listed incorrectly and fraudulently. I live at XXXX XXXX XXXX XXXX, TX XXXX and have for the past 5 years yet XXXX does not have that listed as my address. In the past I was able to login to Lock and Alert and Unlock or Lock my credit. XXXX disabled my lock and alert and won't let me reactivate it. Additionally, XXXX has my extended fraud alert / Victim Identity Theft statement showing a phone number of XXXX. This phone number is fraudulent. My phone number is XXXX and XXXX has not corrected or fixed my account. Everytime I attempt to retrieve my credit report is says my information is invalid and won't let me access my own report. I have tried several different times and it tells me my information is invalid. I have included a copy of my Drivers license which clearly depicts the address I listed above. XXXX has my address listed as their XXXX arizona corporate address and again that is not my address. XXXX needs to update my address information, and correct my credit file I am a victim of identity theft and I have been. XXXX caused this back in XXXX when they were hacked and my information was leaked. I am expecting monetary relief too because I have attempted to fix this several times with XXXX without resolution. My email XXXX is the email used to sign into the lock and alert but XXXX has it locked and has it pointed to XXXX which is not my phone number. Please correct my credit file and block the fraudulent creditors listed such as XXXX XXXX. I do not have any cards with XXXX XXXX nor have I ever.

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 2022-02-18
Company: Experian Information Solutions Inc.
State: OK
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:
Hello, XXXX was named in a multi state lawsuit for providing higher interest rates knowing the person couldn't pay the loan back! I am a victim of this and XXXX XXXXXXXX in another lawsuit related to this! XXXX is taking advantage of people ; my car was XXXX because of this! I'm XXXX financially because of this and its holding my credit back. That's against the law and I'm demanding XXXX to be removed from my Experian, XXXX and XXXX credit reports asap!

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 2023-04-24
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Hello, my name is XXXX XXXX and this is my second complaint to Midland Credit after this failed to rectify my matters. 

Please pay close attention to this complaint cfpb Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Caliber Home Loans, Inc.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern : In your response to to the inquiries you received through the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2023, and the XXXX XXXX XXXX on XX/XX/2023, you stated, You want Caliber to take the payment as they requested, move forward with the request and remove the PMI retroactively when your initial request was submittedOnce we have the decision from the investor, we will respond with the decision and backdate the decision to when the initial payment was received, XX/XX/2023. Having accepted that your error caused an undue delay and therefore providing a remedy of retroactive removal. 

I have since received your letter dated XX/XX/2023 directly contraindicated the above text submitted through the Consumer Financial Protection Bureau ( CFPB ). Your letter dated XX/XX/2023 states, As the PMI decision is based on the receipt of the valuation, is the date of XXXX cancellation Caliber will cancel the PMI and will not cancel based on your request date. 

Again, your previous correspondence submitted to the Consumer Financial Protection Bureau ( CFPB ) stated that you accepted your error caused undue delay and you provided a remedy of retroactive removal to the date the initial payment was received, XX/XX/2023. I request that Caliber Home Loans take immediate action to resolve this issue by providing the remedy stated in their correspondece. I would appreciate a response to this letter within 10 business days, outlining the steps that you will take to resolve the situation. Thank you for your attention to this matter. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for a capital one card on XX/XX/XXXX and was told to wait for a decision. XX/XX/XXXX I received a email informing me i was denied. Then Saturday XX/XX/XXXX I received the reason why. Which was they could not verify me. Which is bogus, Capital one has put Not 1 but 3 hard inquiries on my Reports in total and it is not fair. If there was a problem regarding the application, i was not contacted at all. So instead Capital one decides to deny me. Which is ridiculous because my credit is fine. I got denied but approved for a XXXX XXXX card? It doesnt make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: AZ
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:
I was shocked to see that all those months I have been paying these accounts on time, the Credit Bureaus are reporting late payments on these accounts, which is just outrageous. I do not believe I am late on the date the Credit Bureaus report. Their records are not consistent with my own, and I firmly believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I am requesting the Credit Bureaus to please investigate this account thoroughly and correct any inaccuracies for legal accuracy. It is crucial that my credit report reflects the correct information to avoid any negative impact on my creditworthiness. I need the Following Accounts investigated and corrected for legal accuracy : XXXX XXXX Balance : {$7300.00} XXXX XXXX Balance : {$78000.00}. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. The inclusion of inaccurate information violates my rights and can lead to severe consequences for my financial well-being. I kindly request a swift and thorough investigation into this matter and have this account corrected without further delay.

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 2023-03-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : 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 1681c. ( a ) ( 5 ) Section States : 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2021-05-06
Company: EQUIFAX, INC.
State: VA
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: Other problem getting your report or credit score

Complaint:
XXXX, XXXX and Equifax did not include my new credit card information with credit utilization rate. I am XXXX XXXX veteran who has XXXX kids. I tried to use my COE issued by US department of Veterans affairs to get VA home loan for my children. 
Credit utilization rate should be included in credit score and credit report. 
My XXXX score is XXXX right now today, if XXXX, equifax and XXXX  update my new credit info, it might be helpful for XXXX XXXX veteran and children. XXXX XXXX is better than XXXX for many good reasons for the middle class peoples and veterans. 

Department of Veterans Affairs REFERENCE NUMBER XXXX FOR LOAN GUARANTY BENEFITS SERVICE NUMBER SOCIAL SECURITY NUMBER XXX-XX- # # # # FUNDING FEE Exempt - SC with Monthly Award

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: AZ
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 writing to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and infromation I have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from a fraudulent activity, not later than 4 business days after the date of receipt.

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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$3000.00} XX/XX/XXXX XXXX XXXX  XXXX {$3500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5000.00} XX/XX/XXXX XXXX XXXX  ************ {$9000.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$340.00} XX/XX/XXXX XXXX  **************** - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : 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, 1681s-2 ( 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 2019-08-01
Company: Experian Information Solutions Inc.
State: OH
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 was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30days. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause 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 non-monetary relief
Consumer complaint received 2023-07-21
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-08-17
Company: Credit Karma, LLC
State: VA
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:
Toady. XX/XX/XXXX, I attempted to obtain my XXXX XXXX results. Alas, it said my correct information was incorrect and I couldn't access them. So then I tried to make some accounts on credit websites all of which said the info didn't match the credit beauro. So someone has put false info under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: GA
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 2023-03-11
Company: Experian Information Solutions Inc.
State: NV
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 consumer rights to privacy and confidentiality under 15 USC 1681.

Account name/Account # * Merchants & Medical credit ( Account # XXXX ) * XXXX XXXX ( Account # XXXX ) * XXXX XXXX XXXX ( Account # XXXX ) * XXXX  XXXX Bankruptcy ( Ref # XXXX ) XXXX XXXX XXXX XXXX XXXX  * XXXX XXXX XXXX XXXX XXXX Account # XXXX ) * XXXX ( XXXX ) ( Account # XXXX ) * XXXX XXXX XXXX, XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) * XXXX XXXX XXXX  ( Account # XXXX ) * Department of Education/ XXXX ( Account # XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: MN
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 account has been paid off and I do not recognize all these delinquent reports on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Square Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
In early XXXX I closed on my first home. In weeks leading up to my close date, I started buying things for my house including appliances. To save money I found a refrigerator on XXXX XXXX. I reached out to the seller and got a timely response. They asked if I could pay via XXXX XXXX which I thought I could, but when they sent the request through I realized I didn't have it sent up so I asked if we could complete the transaction over the Cash App. I gave them my username, they sent the request, and I completed. The subject line and description of the XXXX listing said delivery was available and I confirmed with the seller that I didn't need it to be delivered for a couple of weeks and they agreed. I reached out and over the several days before my close date and move I got a whole bunch of runaround. Eventually, the day after I moved into my home, the seller stopped responding to my texts all together. I disputed the transaction with Cash App and tried requesting a refund from the seller that they of course ignored. Cash App basically said there was nothing they could do since the transaction was authorized and already came out of my account. I also disputed the charge with XXXX XXXX   which is the account the money came out of via Cash App for this fridge. They credited the money back to me while they investigated and now over a month later reversed it and took the money back. I got no fridge and I'm now out {$220.00} and both of these institutions are abdicating their responsibility to consumers. In the attachments I provided the email from Cash App, the two letters from XXXX, the XXXX messages with the seller, and the texts with the seller. Please help me.

Company response to consumer: Closed with explanation