BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-01
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: Was not notified of investigation status or results

Complaint:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of the bureaus, demanding they delete the inquiries that I did not authorize. It has been a total of 119 days and today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX my monthly mortgage payments went up {$700.00} a month, and my mortgage company Loancare A ServiceLink company told me because my taxes went up. I got my tax information from my city they said they never went up and never falsely reported that to my mortgage company. I paid two months at the higher rate, and phone in multiple times. Finally after I emailed documents into the company they adjustmented my payments back down to what they should be. The same scenario is happening again. My payments have gone up by almost {$400.00} since XXXX of XXXX. I called in, their customer service department told me the had the wrong calculations for my XXXX taxes and I need to pay the money back to my escrow. The math when they were explaining it over the phone to me did not add up, especially because my taxes have not hardly changed at all in the last three years. They transferred me twice to a line that led to no one. I emailed their customer service department today XX/XX/XXXX my XXXX tax information. I have very little confidence that they will correct the situation, and I am concerned with the way they were trying to bamboozle me with the math over the phone. I had a friend of mine in the mortgage industry look at the mortgage, and she said my loan was simply put shady. I need assistance looking into this issue, thank you so much.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX Balance Owed : {$900.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$960.00} XXXX XXXX Balance Owed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-09-06
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After reviewing my credit file it has come to my attention that ERC is reporting 2 accounts representing XXXX onto my credit file. One in the amount of {$370.00} and another in the amount of {$610.00}. Not only do these accounts do not belong to me I was never informed and given my right to dispute the validity of these 2 accounts. I have never received any communication regarding these accounts from ERC. I am a victim of identity theft. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Experian Information Solutions Inc.
State: UT
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:
While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.

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 2023-04-22
Company: Experian Information Solutions Inc.
State: ID
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:
I submitted a certified letter to Experian XX/XX/23- I have attached this letter to this complaint. I also resent this letter to Experian on XX/XX/23 and received no response. I received a letter back from stating that they received my letter and have taken no action as it seems the letter was not sent by me. I reviewed my credit report, typed up the letter, and I sent this letter certified from my local post office. Experian has on multiple occasions refused to take any action on investigating incorrect items on my credit report, stating that the information is not being submitted by me, which is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Experian Information Solutions Inc.
State: MA
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 XXXX XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau pertaining to an illegal collection process against me by XXXX XXXX. I did have a XXXX XXXX account back in XXXX, then I had to file bankruptcy. He XXXX account balance was placed in the bankruptcy petition. Now here we are 11 years later and XXXX has place an account on my credit bureaus that shows a {$390.00} balance on Experian and XXXX XXXX, and a XXXX  balance on XXXX. The truth is, the account is so old that it has longed surpassed the legal timeline for actual reporting with the credit reporting agencies. It has long surpassed and collection remedy if one actually still exist, which it does not. Accordingly, XXXX is abusing my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. XXXX XXXX is also violating its subscriber agreement with all pertinent credit reporting agencies, and the Consumer Financial Protection Bureau should sanction XXXX XXXX for such egregious and illegal collection activities. This account must be deleted permanently and my file information must be purged by XXXX XXXX so that this collection activity will no longer happen to me again. XXXX XXXX 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 2023-09-12
Company: Security Credit Services, LLC
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Spoke to representatives from XXXX XXXX XXXX XXXX. 
They stated that this account was open in the state of Pennsylvania using a phone number and email address that doesn't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have written XXXX, XXXX, and Experian for over a year to stop reporting inaccurate information. However, they continue to violate my rights. 

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.

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 2022-04-13
Company: NAVY FEDERAL CREDIT UNION
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX This is discrimination! YOU BROKE THE LAW!! 
Dear Navy federal credit union On ( XX/XX/XXXX ) I used my credit card as defined under 15 U.S.C 1602 ( a ) ( 1 ) To extend myself credit through your company. I was denied on ( XX/XX/XXXX ) I received an adverse action letter from your company attempting to explain why I was denied. This was clearly an act of discrimination pursuant to 15 U.S.C ( 1691 ) ( a ) ( 3 ). I in good faith excercised my right to extend credit as a consumer, and a creditor and I was denied for no specific reason. You also violated federal law and you will be hold civilly and criminally liable because you violated 15 U.S.C 1602 ( a ) ( p ) you used my credit card with no apparent authority, and I the card holder and consumer received no benefit. You are now civilly and criminally liable under.

1.15 U.S.C ( 1611 ) 2. 15 U.S.C ( 1640 ) 3. 15 U.S.C ( 1691 ) ( e ) 4. 15 U.S.C ( 1642 ) To preserve the judicial economy, and save us both time and money in court. I am willing to settle this matter for the following. 
Extend me the credit I applied for! 
Reference # XXXX If you fail to comply I will not just stop at a civil complaint I will file a criminal complaint against your company as well. I am giving you 30 days to respond to my demands.. 
This letter is also being CC-To the CFPB and CC- To the attorney general.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-04
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was looking over my report and seen an derogatory remark on my file my rights have been violated by XXXX XXXX XXXX under 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communicationrelates to the collection of a debt ; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Loan Number:XXXX Ace Cash express has charged fess that violates the State of Texas usury laws.

The current maximum interest rate that a creditor can charge for a loan in the State of Texas is 18 %. The current loan rate has an APR of 661.69 %. The terms are predatory and were designed as an attempt confuse and defraud borrowers. In XXXX and XXXX, Ace Cash Express settled a class action suit from the CFPB regarding this very practice. Ace Cash Express continues this practice today. Additionally, this creditor violates the Fair Debt Collections practices. They contact consumers from various telephone numbers ( with caller ID information hidden ) at multiple times of the day, without leaving any voicemail or identification of who they are and that their calls are an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In XXXX, XXXX, I was approved a total amount of {$64000.00} by SBA as an XXXX XXXXXXXX ( I am a XXXX XXXX XXXX by profession ). The fund was deposited into my checking account. The fund was initially held and was later released to me after providing all the documents used in applying for the loan. I opened a business account and transfer the funds in the account. In early XXXX without any notice I discovered that my account was held again for the second time and all my address was held. I called severally to find out why all my accounts are closed ; I was finally told that I am under investigation due to my SBA loan received. I was made aware that the fund will be returned to SBA. On XX/XX/XXXX I received a mail stating my account was closed because " it's no longer a good fit ''. I received an invoice for repayment of loan from SBA for the money I did not have access to. I called Capital again today, I was fortunate to speak to someone in the fraud department who told me that it was minute on the computer that my case was closed on XX/XX/XXXX, and the money has been returned to the government via secret service, who then will send the fund back to SBA. She said that is the process capital uses. I called SBA they said the fund has not been returned to them. 
I will be glad if you could use your good office to resolve this concern/problem in a transparent manner so that I will not be paying for the money I do not have. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I recently was a victim of a car burglary Case number XXXX  XXXX with the XXXX XXXX XXXX. Numerous items were stolen from my vehicle such as my personal identification ( SSN ), financial documents, driver license, including but not limited to my laptop which has all my passwords saved on it. Along with several credit cards, it. I lost access to my personal information and encountered several compromised accounts. this has resulted in fraudlent activity on a multitude of financial and many attempts to further compromise me. I had to dispute due to fraudenlent activity a total of 24 transaction that went through along with numerous others that were attempted by an individual utilizing my capitol one stolen Credit card ( s ). which resulted in numerous credits as they undergo investigation further more I recently paid my balance in full for the account which including a late fee and 2 months worth of interest charges on the XXXX of XXXX before my cards were unknowningly compromised. However ; I was recently still charged interest on the full balance of the account for the charges that were disputed and flagged and it was stated the reason being was because capitol one will charge interest for consective months until ( 2 ) successful full payments are made. I further disputed how I could owe and pay a payment on a XXXX dollar balance if it's paid in full and was denied access to the terms suggestion other wise

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023 I made an online purchase using my Capital One XXXX on website www.millerevan.com in the amount of {$73.00} for a mens belt. I never received the item and the vendors email portal does not function and they do not have a phone number for me to contact them as I tried to cancel the order minutes after the transaction was place, suspecting fraud when the charge appeared on a XXXX account in the name of XXXX XXXX. 

I contacted capital one to dispute the charge and they, in turn, contacted the vendor. The vendor claimed that they had sent me the merchandise but provided no tracking information or documentation of any sort yet Capital One sided with the vendor. 

I am much more concerned about Capital Ones failure to do due diligence on this vendor ( as opposed to simply taking their work for it ) than recovering the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-01
Company: Vital Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a phone call from a woman at Vital Recovery Solutions who insisted that she would hang up her phone conversation with her if I was going to cuss   her out. I proceeded to hang up on this XXXX who refused to give out my account number, email or email documented information of the amount I owed to her company. I did not even know the name of the company she was calling from when she called me. Instead of getting an invoice from her, she gave me her supervisor 's email address to as him. Too young. They're wrong, is my point, demanding me to verify my information without sending me something in the form of writing. 

When I called again, I said I would not verify my information. I had to ask who the the person I was talking to was, and verify the address. This company is not even licensed in the state of Texas. XXXX XXXX didn't even have the license number of the company. I think this company is a scam. It needs off of my credit report. I will pay the XXXX XXXX on my own. 

XXXX XXXX

Company response to consumer: Closed with explanation