BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-21
Company: Experian Information Solutions Inc.
State: MI
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2022-06-04
Company: Experian Information Solutions Inc.
State: LA
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:
After reviewing my consumer report I noticed that two new accounts were reporting negatively on my report. I have no knowledge regarding any of these accounts. This negative reporting is problematic because now I'm unable to apply for any type of credit and what adds insult to injury I did not open these accounts. I have made all reporting agencies aware of this identity theft issue and they irresponsibly reported this harmful information. I have tried address this matter but nothing was resolved. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX ), XXXX  XXXX XXXX ( Account # XXXX ) has violated my rights. 
15 U.S.C 1681 SECTION 602 A states I have a right to privacy.

15 U.S.C. 1681 SECTION 604 A SECTION 2 also states a consumer reporting agency can not furnish any 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 2023-08-17
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been fighting with mr.cooper for almost 2 years over a mistake THEY ADMITTED they made. Without going into full detail Ill briefly describe what Im mean .. my mortgage has never been late Ive never missed a payment until XXXX. Mr.cooper graciously refunded me money and when I called and asked what was that for i was told it was an overpayment in my escrow account. Later to only find out they had not paid the full amount for my school tax that year in result wanting to raise my payment to make up the difference for their mistake. I refused and was told I could do a loan modification application which I did 12 times.. that is a whole complete ordeal in itself. Each time completing this application only to be told it was closed just outside of the so called 37 days the application was good for. I have proof I emailed and emailed all the correct documents MANY times only to be told I needed to do it again! My home is currently in foreclosure because of this disaster. All I want to to save my home.. I only owe XXXX $ and because of this I cant even borrow the money to just pay it off. I have done research and found the complaints and courts documents on this case against me.cooper and most everything in it they have or are doing to me. I forgot to mention as of XXXX XXXX mr.cooper sold my loan to XXXXXXXX XXXX now I have to deal with this all over again. Mr.cooper did not send all the information they already had like they said they would. Please please help me. I do not want to get rich I just want to save my home and get out mr.coopers clutches. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: NY
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I was told that I owed XXXX for {$2.00} to XXXX credit car  which Ive never had I never open up the car from there and they are saying that theyre going to garnish my pay I have no idea what his car came from or who open it but it was not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian has been reporting incorrect Credit Information/Summary to Creditors. 
In a recent credit card request to XXXX XXXX and XXXX XXXX, I have received refusals from both, saying EXACTLY same following information was received from Experian : * Serious Delinquency >> I disagree * lack of recent installment loan information >> Last time I took auto loan was on XXXX & XXXX and paid them fully by XXXX Since then I had no need to take a loan. Why is that bad? 
* Too few accounts as paid as agreed >> I disagree, only 2 credit accounts paid fully every month * Too many accounts with balances >> I disagree, only 2 credit accounts paid fully every month * Number of credit bureau inquiries >> 6 inquiries- including apartment & utility inquiry Credit Score Reported : XXXX??? while My XXXX XXXX score is : XXXX The report I get from Experian does not agree with above items. So Experian has been reporting different information or summaries to creditors. I need to understand / get it resolved over the phone with Experian credit specialist. But do not have a way to reach out to them by phone. 

I am tempted to ask Experian to stop collecting & reporting my credit info.

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 2023-08-16
Company: DISCOVER BANK
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX XXXX XXXX XXXX Of XXXX : XXXX I'm not appreciative that because of a simple mistake, all of my accounts were closed. i deposited a check into my savings account and did not realize the banking institution had closed my account, so the check bounced. Instead of discover reaching out to me, they decided to not only close my savings account, but my cashback debit, money market and other savings account, which should have not been affected. I called and they told me to reapply for more accounts and those would remain open, they did not. They closed those as well. Discover was my primary bank and I want to keep banking with them, but this is ridiculous. I am filing a case with XXXX, XXXX & cfpb for repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I 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 2021-10-26
Company: Risecredit, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have attempted to work with Rise on over 10 occasions to get my account back to current. I paid {$540.00} in the middle of the worst of the pandemic to get caught back up and then was told by XXXX XXXX that I was reported for a late payment- which I am very careful about and had never been reported for late payments. Apparently, the days rollback 14 from the last due date, not 30 from your last payment. I was told 30 days, not 14, which can be heard on the recorded calls. When I asked about the recorded calls, I was told they dont have them anymore because they delete them after a certain amount of time. 

After leaving a review on XXXX with my concerns of their misinformation as well as false reporting, I received a generic response saying to call a specific phone number to speak with someone about my concerns. I did exactly that and was told they do not offer COVID relief to ANY ( stated in a very heavy voice ) of their customers. Their website states otherwise ( I will include a screenshot ) and I request they remove this immediately as its false advertising - misinformation. I asked if I could change my due date schedule as my repayment schedule went along with my pay dates, which no longer exist, and was told they will not even talk to me in that department until I pay another {$540.00}. All of these are terrible business practices, but many of these things are verifiably illegal. I am ready to pursue a lawsuit if they are continuously unwilling to provide the help they say they have. I can not afford the constant credit bureau reports and I have done everything I can to get the extra money, but am living paycheck to paycheck after taking a {$40000.00} pay cut due to COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because my rights as a consumer have been violated under the FCRA 15 U.S CODE 1681S -- 2 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ) AND ( FDCPA 15 U.S CODE 1692E - FALSE OR MISLEADING REPRESENTATIONS, due to LACK OF RESPONSE from TRANSWORLD SYSTEMS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I disputed a service charge with Bank of America for {$1000.00} which I considered fraudulent, as a former XXXX  with fraud experience. They advised it was not a fraud if i initiated the service. I did not initiate until after the service provider offered a discount, a very public offer made on his XXXX XXXX. Bank of America advised that the service provider was under no obligation to honor that discount and essentially left me " holding the bag. ''

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 2023-11-16
Company: EQUIFAX, INC.
State: NY
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:
I am compelled to bring to your attention the consistent disregard by the Credit Bureaus for my requests to remove fraudulent items from my credit file. Despite repeated appeals, they have chosen to ignore my communications in direct violation of the Fair Credit Reporting Act, 15 USC Section 1681i, within the legally prescribed timeframe. This deliberate and conscious disregard for federal statutes demonstrates a concerning lack of compliance. Their obstinate refusal to verify information, despite my extensive efforts to resolve the matter directly with the creditor, represents a clear display of willful negligence. The following items, outlined below, continue to be erroneously listed on my credit report, exacerbating the injustice and distress caused by the bureaus ' inexcusable conduct : -- XXXX -- XXXX XXXX XXXX XXXX Balance : {$0.00} -- EQUIFAX -- XXXX XXXX XXXX XXXX XXXX : {$0.00} CXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/ 2022, I received an email from Capitol One that my XX/XX/XXXX payment had been returned due to my account being closed. I was unaware that an old payment account was still attached to my account, and discovered there is no way to remove it unless you call. I logged into my Capitol One account online and saw that the payment was returned XX/XX/XXXX. My credit card payment is due XX/XX/XXXX. I wasn't notified that my payment was returned until XX/XX/XXXX, and was charged a late fee and a late payment would be reported to credit agencies. To re-iterate, Capitol One received information from my previous bank that payment would not be made, and my payment was returned on XX/XX/XXXX ; I was notified of this occurrence two days later, one day after my payment due date. I was essentially duped into a late payment because Capitol One neglected to tell me my payment was returned for two days, until after my payment was due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

I have already disputed this account with the bureaus, but they did not remove it, nor prove validation. 

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 2021-10-26
Company: EQUIFAX, INC.
State: NY
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:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
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:
Credit Reporting Agencies and Collection Agencies violated the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
Company: Experian Information Solutions Inc.
State: DE
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 XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Disputing : XXXX XXXX XX/XX/XXXX {$1000.00} 15 USC 6802 - Obligations with Respect to Disclosures of Personal Information I DO NOT recall giving XXXX XXXX XXXX XXXX permission to give my personal information to XXXX XXXX. Additionally, I did not give XXXX XXXX permission to report to my credit. 



15 USC 1681 - 15 USC 1681 ( b ) - Reasonable Procedures I DO NOT recall XXXX XXXX XXXX XXXX XXXX XXXX XXXX opportunity to opt out of sharing my information. XXXX XXXX is reporting this account to my credit report fraudulently.

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