BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXXXXXX 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 2021-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX XXXX XXXX and XXXX XXXX  made 9 unauthorized charges to my Capital One Checking account. These transactions occurred from XX/XX/21 at XXXX hours to XX/XX/21 at XXXX hours. Two of the transactions were for {$1.00}, and seven were for {$1.00}. The debit card that was used for these transactions has never been used by me and has always been kept under lock and key, thus it is likely that a data breach at the bank is how my debit card numbers were likely obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: EQUIFAX, INC.
State: FL
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:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME THESE ACCOUNTS WERE OPEN UP FRAUDULENTLY SOMEONE STOLE MY INFORMATION TO USE THESE ACCOUNTS USE MY PHOTO ID AND MY SOCIAL SECURITY NUMBER I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is 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 2023-11-15
Company: Experian Information Solutions Inc.
State: OH
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: In progress
Consumer complaint received 2023-05-30
Company: CCS Financial Services, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CCS COLLECTIONS, who either bought a debt, or are collecting on a debt for XXXX XXXX XXXX XXXX are reporting this account to my credit report. They are doing this for one reason, to extort money from me. They never reported the account when it was opened, or when it was paying and now a collection agency is reporting it, neglecting all the positive history of the account. If they did not report the good, they shouldn't be allowed to go right to the bad times! 

The bypassed the entire debt cycle. They skipped the open date, current payments and the billing cycle of 30, 60, or 90 days delinquent and went right to charge off. 

This is false and misleading to future creditors of mine, and negatively impacting my credit score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: GA
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 filed 3 separate disputes with Equifax, XXXX, and XXXX in order to have inaccurate information removed from my credit file. The first dispute was filed on XXXX XXXX. XXXX, but I have not received a response from the credit bureaus. I'm hoping that CFPB can help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: SANTANDER HOLDINGS USA, INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I would like to formally recommend a thorough review of the practices of Santander Consumer USA for auto loan fraud. They have failed to apply payments according to the law on a fully amortized term auto loan. They have charged excessive fees to make payments. They have committed countless FDCPA violations by failing to send debt validation notices. They have innaccurately reported my balance to the credit bureau for 7 years. 

I have a fully amortized auto loan that originated with them in 2013 and over the term of the loan there are XXXX instances where they did not apply any of my payment to principal at all and countless other months they only applied very little. I pulled a simple amortization schedule with my loan terms and for the entirety of my loan contract of 6 years not a single payment was applied according to my contract. 
This has caused them to report incorrect balance owed of {$9000.00} plus after making all of my amortized payments. In addition, they repossesed my vehicle causing damage to the interior door locks and windows which now don't work causing thousands in damages to my car. After reporting it they have done nothing to rectify the damage or the invalid application of my payments. In addition XXXX FDCPA violations where they have failed to provide me debt validations notices required by law. They have lost XXXX of the largest class action lawsuits in history XXXX brought on by XXXX states and are still are violating the law now because no one is holding them accountable or auditing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX US DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXXXXXX 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 2023-06-13
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: 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. 
The letters are stated with items and issues.

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 2021-10-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Please notify all Bureaus such as Equifax, XXXX, and XXXX to remove this account from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-12-16
Company: Atlanticus Services Corporation
State: FL
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:
A technician approached our home at XXXX XXXX XXXX XXXX XXXX XXXX. 

He introduced himself to XXXX XXXX at the time who was my significant other. He sold the alarm system to XXXX, upon arriving home from work, it was stated I would just need to confirm on video that I was accepting to the terms and agreement, at which time I asked what they were. 

The representative said, oh, this is for the equipment for the cameras installment loan they do a credit check nothing appears on your credit at all. 

Within 3 days of the installation of the cameras we cancelled.- I would need to verify this date for you.

They came back out with technician changed a camera in our systemn ( front living room door area ) wanted us to try it and following that they gave us 30 cancel guarantee Prior to 30 days we cancelled the service and were told we could not. 

Then a technician came to our home and stated our area was not serviceable. 

On XX/XX/XXXX @ XXXX XXXX-placed a call to their customer service and no one responded or called back after leaving a message XX/XX/XXXX XXXX XXXXXXXX XXXX closed and the call hung up on me Called their corporate location XXXX number listed and spoke to XXXX whom said their was no manager who could help me and then I asked for a number to their corporate office that handles complaints and he said there was none XX/XX/XXXX XXXX called requesting payment of {$250.00}. I told the rep I do bot even have the service therefore I am not paying for it and what would this take to resolve this as they are negatively affecting my credit. 

I was told it would take {$1700.00} to buy out the equipment which is the remaining of the buyout fees at 50 % The account for Fortiva is a fraudulent company. Originally it was AN INSTALLMENT LOAN AND to be a soft credit check and now they have reported this to my credit as a charge card maxed out in full. Now its a charge off. This is a significant issue and violates the Federal Credit consumer laws. 

They have falsely misrepresented themselves and I have never received their services nor utilized them. Numerous attempts have been made to the company no one will call you back, in addition made an online complaint and was not contacted back. 

Tried to get management and upper management involved, would not provide me any of that information. 

Please note read the complaints on the web- company has been sued for fraud! 

The credit companies will not assist me and this needs to be removed immediately or I am getting a lawyer. 

PLEASE ASSIST

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I demanded Experian for a deletion of all personal identifiable on my consumer credit report with the expection of this 1 name, address, and phone number. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX ( XXXX ) XXXX Due to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Company response to consumer: In progress
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: GA
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 been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my XXXX XXXX. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-01-02
Company: Experian Information Solutions Inc.
State: FL
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-14
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage in XXXX to Dovenmuehle Mortgage and still have not received my escrow refund. 

XX/XX/XXXX - I paid off my mortgage and the payment cleared. 

XX/XX/XXXX - I called Dovenmuehle to check in and was told that my escrow refund would be issued soon. They said to call back in a week. 

XX/XX/XXXX - online records show a check was issued. 

XX/XX/XXXX - I called because I still hadn't received my check, and was told to call back if I didn't receive the check by XX/XX/XXXX. 

XX/XX/XXXX - I called because I still hadn't received my check. They told me that the check was mailed, but to the wrong address. For some reason when they mailed the check they did not include the unit number, even though it's on our loan documents. I spoke with XXXX, and she said that I would need to submit a change of address form and then she could mail me a new check. I asked to have the money sent via ACH or a check overnighted, and she said I'd have to wait until XX/XX/XXXX for that to happen. I requested to speak to a supervisor, and she said they would call me back later that day. They never called me. 

XX/XX/XXXX - I called to request an ACH for my escrow funds, and was told that a supervisor was unavailable. The customer service rep said she was going to send my bank information to a supervisor so that they could process an ACH. 

XX/XX/XXXX - I called again and talked to XXXX. She told me that I'd need to submit a voided check to get an ACH. She said that the CSR I spoke to was wrong, and that they don't have any of my bank account information saved. I asked if I could speak to someone who could process the ACH immediately, and she said that I could not. She said a supervisor would call me back within 24 hours. 

XX/XX/XXXX - I emailed all of the information above to XXXX to try to get my escrow refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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: 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. 

XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 response to consumer: Closed with explanation