BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: Experian Information Solutions 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:
This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXL XXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/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 2023-06-26
Company: EQUIFAX, INC.
State: IL
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 act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. 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 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 168c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing and of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 15 U.S.C. 168s-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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the fair credit reporting act XXXX  Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 USC 1681 Section 602 Sates I have right to privacy.

15 USC 1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Cascade CISS Holdings, LLC
State: MA
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:
Unauthorized Inquiries on my XXXX Reports : XXXX XXXX XX/XX/2022 XACTUS XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 Unauthorized Inquiries on my XXXX Reports : XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX, XXXX ( Bank ) XX/XX/2022 CREDIT PLUS ( Miscellaneous ) XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: World Acceptance Corporation
State: AL
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 XXXXXXXX XXXX acct XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX  acct XXXX has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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:
Experian I have reviewed some information on my credit report that shows an inquiry that I never authorized. Please delete these fraudulent inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are being used by fraudsters to attack my credit and steal my identity. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX Thanks for your understanding. I have attached proof if ID and Address, as well as the Police 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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 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 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 2023-06-26
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have audio recording of XXXX XXXX at XXXX CST from an agent of Discover.com stating i am not late, not delinquent on my credit card ending in XXXX and that no report of a 30 day or 60 day late will be reported to XXXX, XXXX or XXXX. However i was told that this will be reported by a differnet rep. The agent mentioned i am caught up with payments and i have nothing to worry about I had another agent said today was the cutoff for a payment XXXX before a report to credit bureaus by XXXX, only to have another rep tell me XXXX was the cutoff and i was 1 day late to that cutoff I was told i would get a call every 7 days once i am late on a payment but such calls never happened or took place. 

The reps have placed me on hold, transfered me and hung up on me all without my permission and refusing to listen to the audio of the other discover rep telling me i am on time and nothing late should ever be reported and/or will be ever reported. 

I mailed in the payment and it apprently was lost and never recieved, I did pay as soon as possible but only until i recieved a call did i check the account and found no payment applied. I am persuing the matter with USPS as well however the main issue here is the Discover rep gave me 100 % assurance i am caught up, on time and no late will ever be reported. 

Discover has not been willing to work with me whatsoever after an entire day or trying to reach them. They also said no managers are avialble and it will not be esclated. The agent said they can't legally do anything and handed out legal advice to me which is not something she is was in the position to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am an attorney at the XXXX  XXXX XXXX XXXX filing this complaint on behalf of my client, XXXX XXXX, who is the successor in interest of the subject property. An authorization is attached. 

XXXX XXXX is the daughter and successor in interest to the borrower, XXXX XXXX, who passed away in 2014. XXXX and XXXX owned the property jointly as joint tenants with a right of survivorship ( deed is attached ). Under XXXX  law, XXXX thus became the sole owner of the property automatically upon her mother 's death. 

Shellpoint refuses to acknowledge XXXX as the successor in interest to the loan or allow her to assume the loan with the modification she other qualified for and successfully a TPP for. It improperly cancelled her loan modification and started a foreclosure. 

Inexplicably, Shellpoint demanded that XXXX open a probate action and become executor of her mother 's estate in order to effectuate a modification/assumption even though she is already the sole owner of the home and probate served no purpose under Connecticut law . It further cancelled her loan modification because her deceased mother could not sign it. XXXX nevertheless attempted to follow Shellpoint 's instructions and spent {$660.00} opening an unnecessary probate action. Shellpoint still was not satisfied, and initiated foreclosure, adding more fees to the account and subjecting XXXX to the potential loss of her home when she has already qualified for a loan modification and successfully completed a TPP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: AES/PHEAA
State: MN
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 got a notice on my XXXX XXXX on XX/XX/2020 of a late payment on a closed STUDENT LOAN account in which is no longer reporting on my XXXX credit REPORT because it has been REMOVED. This has caused my credit to go down 30 points. How can this account still be reporting payment history when it is closed and has been transferred to another company. REMOVE THIS ACCOUNT from my credit REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email on XX/XX/16 that I owe Radius Global solutions money. I do not owe this company anything. There was not an amount on the email

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 2023-07-05
Company: Ability Recovery Services, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original creditor was an ambulance company that did not bill my insurance even after multiple phone calls to them asking them to bill my insurance that was on file. Almost 4 years later, I get notified that I was in collections for that ambulance bill that was never billed to insurance. This time it was a new debt collection agency that purchased the debt from the original creditor.

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 2022-05-25
Company: CORELOGIC INC
State: GA
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:
They are fraudulent activities on my credit report. They are hard inquiry that are not mine. And I need it removed. The address that these inquiries are under is not my address.

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 2023-11-14
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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: Their investigation did not fix an error on your report

Complaint:
I have written multiple letters requesting validation of debts, removal of closed accounts and to stop reporting on accounts that are still in disputes. the response is always the debt has been verified without proof per the FCRA, closed accounts are still on my credit report and accounts that are still in dispute are still being reported on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Credit Karma, LLC
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On the date of Wednesday XX/XX/2023 Credit Karma stated I had an excellent chance of being approved for the XXXX  XXXX XXXX credit card but upon completing the application, I was denied approval. I then took a screenshot of the denial statement for my records

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
disputed charge, which the bank was required to make available, while they began their inquiry yet they kept me from using the disputed amt by not making it avail to me, which according to fdic regulation they are require to By withholding the disputed amount the bank is recvg loaned-out interest at my expense {$700.00} is the amount that needs to be credited today to my credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have two bank accounts with Bank of America, a checking and a savings. A third account, XXXX XXXX, was opened in error. I asked the account be closed, but they refuse to close it until {$25.00} ( the monthly fee ) for the account has been paid. I am not paying for an account I did not want or did not use. When asked what would happen, because I refuse to pay and they refuse to close it, they said I will just keep getting fees until I pay them and close the account. 

Ridiculous. Shady practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-30
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX. XXXX was canceled and I got another insurance company in XX/XX/XXXX. XXXX is now sending me bills for {$150.00} after they cancelled my insurance and I went to another insurance company. This is fraud. I am trying to buy a house my lender showed me this and this is holding up my homeland. 




XX/XX/XXXX XXXX has XXXX late payments on my credit. I need this removed I was never late and they have cause delay in processor my home loan also I have written XXXX and all credit bureaus yet the late pays for both of my credit are still coming up late. COVID delays were never my fault. They are in violation of 15 CFR 1681s-g 1XX/XX/XXXX XXXX & XXXX reported my payments late however this was do to a payment decreptance. I have never been late I need this remove to buy my home.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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 was paid off as a total loss & its still reporting as a full balance & missed payments that the lender agreed to remove, The payments where deferred during secton 34 of the cares act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted the credit bureau to inform them that these companies had performed UNAUTHORIZED inquiries on my report and the bureaus stated I needed to contact the companies individually, which I did and the companies stated they had no knowledge of these inquiries and I needed to contact the credit bureaus. The bureaus are refusing to remove these inquiries and it is causing problems with my credit profile. Several of the inquiries are duplicates. I have reached out to EXPERIAN 4 times now and they tell me that these inquiries are FACTUAL and they never provide proof of how they verified these inquiries to be factual. It is against the law for creditors to run your credit without authorization and this is what I have been trying to tell EXPERIAN but they refuse to delete these inquiries. They need to provide proof of validation for these inquiries or remove them from my credit report because no one has the right to check my credit without consent. Here are the inquiries that are NOT AUTHORIZED : 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 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 The credit bureau sent me a letter stating these places have a RIGHT to run my credit, but that is not true. By law, they can not run my credit without my authorization. Even with that being said, the credit bureau refuses to remove these unauthorized inquiries. This is my third time trying to resolve this matter. I have filed a complaint with the FTC. FTC report # 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 2023-12-09
Company: CITIBANK, N.A.
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was not aware of the interest rate until I received the second statement which shows an interest rate of 31.24.

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