BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/18, I applied for a credit line increase on my account. I was denied on the sole basis that my monthly average monthly payment has been too low. I feel that this is a discriminatory practice on the basis of my credit limit being only {$500.00}, so obviously my minimum monthly payment would be low, and the reason I only make minimum payment is because my balance is on a 0 % interest, so making larger payments doesnt make financial sense to do so. Ive demonstrated fiscal responsibility in managing my credit card, and theyre forcing me to have to explore other credit options to meet my financial needs. If I had known this was going to be an issue I wouldve not agreed to terms of this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I always paid this loan as required. 
I paid the last payment and SLS sent it back 3 times causing the problem I paid the loan off in its entirety

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 2020-04-06
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:
This is a formal complaint against Equifax Information Services. I am making this complaint through the CFPB, I have noticed that there are many irregularaties with my credit report with Equifax, and many variations and incorrect information with my personal information. I have requested for about 90 dye for the information about these accounts.I have noticed that weekly, that every time I make a call to try to dispute these accounts there is different information every week. This situation has me very stressed and confused, I don't understand why there are these irregularities and variations with my credit report. I want to be very specific with this complaint because I am going to name all the documents that I am going to send and attached so what has happened before doesn't happen again, where only half of documents arrive, they may come incomplete. The documents that I am sending is to report that I am a victim of Identity theft, accounts have been opened under my name without my permission, with addresses that I have never lived in or recognize, phone numbers that never belonged to me, etc. The names and number of the accounts every week change every week and I don't understand why. That is why I am making this complaint with CFPB and send the documents through here so there is a third party as a mediator to make sure everything is up to standard. They are going against the law under FCRA 611 ( a ) to request a complete description of all the methods used to investigate my dispute. I want to make sure that the personnel of Equifax has been friendly and helpful with everything but I don't understand why there is such a mix up with the information, maybe there is a miscommunication, I had to make this complaint because these things don't make sense. As well as to avoid the loss any documents the, I have sent, this has happening since the first week of XX/XX/2019. I am very stressed with this irregular situation in my credit report with Equifax, a situation that does not happen to me with XXXX XXXX XXXX XXXX  
I Make this complaint through this sway because it is the only way make sense of all the irregularity in my Credit Report with Equifax it blows my mind to know that every phone call make to Equifax every Week give me credit information different, it is impossible to be truthful with them, every day my credit report accounts that change the list of accounts or their status from one day to the next worst thing is that all the documents I send certified mail, don't arrive or if they supposedly arrive they arrive incomplete, which seems very strange to me because this happens????? 



DOCUMENTS ATTACHED : XXXX ) LETTERS DISPUTING ACCOUNTS XXXX ) POLICE REPORT XXXX ) IDENTITY THEFT REPORT FTC XXXX ) DRIVER LICENSE XXXX ) SSN XXXX ) PASSPORT XXXX ) COPY OF 605 ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
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: Their investigation did not fix an error on your report

Complaint:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: Resurgent Capital Services L.P.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have a credit card account on my profile that I have no knowledge of and I would like for it to be removed as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a had a personal and business account with Fifth Third for a few years. There were periods here and there that vendors would do automatic renewals that I did not request so I contacted the bank to get them reversed. The non-profit ( Business Acct. ) had a check from XXXXXXXX XXXX XXXX and I physically deposited the check. Several months later I received a check from XXXXXXXX XXXX XXXX in the mail. The feature for electronic deposit was available so I deposited the check. Fifth Third contacted me that the check was fraudulent, closed all my accounts, and contacted Early Warning Services. They have not given me any additional information on this, how to clear the matter up, or the like. My non-profit is suffering because I don't have an account for donations. If anything I am a fraud victim and whoever sent the check was setting me up for this. When I contacted XXXX XXXX XXXXXXXX, they stated that this has happened before. All I have is proof that I am in good standing with them ( XXXXXXXX XXXX XXXXXXXX ), and we have had no issues prior to this situation. I am also making payments to XXXX XXXX ( mentioned in the consumer report ), through XXXX XXXX. XXXX XXXX XXXXXXXX also instructed me to contact mail fraud division of USPS which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
XXXX XXXX XXXX XXXX XXXX  THIS ACCOUNT SHOULD BE CLOSED BUT IT STILL OPEN

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 2023-05-09
Company: EQUIFAX, INC.
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:
Some of the information on my credit report was erroneous, which I discovered when I examined it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) impose a verification requirement on the three credit bureaus ( A ). It is not allowed to declare these items to be unreliable information within the legally allowed time range without providing any justification. Because of erroneous reporting in my file, my credit report indicates that the following problems need to be investigated and fixed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
in XXXX of 2023 i made a lease payment to XXXX XXXX XXXX which was returned unpaid as i used the wrong stored account. XXXX  decided to block me from the web portal leaving me unable to look at my account. they also decided to put me on paperless billing without my consent leaving me with no account information what so ever. after calling infiniti i was told i had to make my payments threw customer service but i could still use my checking account which makes little sense if the reason im blocked from the portal was due to a returned payment via checking account. i quickly learned i would now pay XXXX for every payment i make as there is a few for paying threw customer service this fee is not waved if you are blocked from there portal. i call infiniti on XXXX XXXX 2023 as i get a notice of a 30 day past due from XXXX XXXX from XXXX XXXXXXXX XXXX i aske why i was not mailed as billing statement or even a email my account is late the agent is only concerned with me making my payment which i go ahead and do after which i start to ask questions on how im suppose to be able to look at my account and know due dates and payoff info or anything. she says i should be keeping up with my due dates and they have called me everyday for two weeks which i argue against as i had no calls from infiniti in my call logs so she says it could show as spam and i should have answered the spam calls so i tell her i dont answer spam calls as its spam and they should come up as XXXX XXXX XXXX not spam this could have avoided me paying late and resolved this issue without me filing a complaint. the bottom line blocking me from the portal and not sending me statements has left me blind to my account activity and should be illegal this policy should be changed.

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 2023-10-08
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Yesterday, I received a letter electronically from Mohela saying that my account had been put on administrative forbearance. I believe this is due to their need for time to figure out why I have not been billed yet - I had originally contacted them because they never sent me a bill even though I should be in repayment and I was afraid of defaulting. However the forbearance letter does not list all of my loans. It appears that half of my loans are now on forbearance and half are not. So I am still afraid of defaulting on the loans not in forbearance. I very much would like to make a payment on my loans, but it appears MOHELA is too understaffed to quickly get me into the SAVE program and send me a bill for the correct amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
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:
I went to XXXX car dealership to purchase a car and they pulled my credit report several time when i had an approval for one. 

XXXX XXXX XXXX XXXX XXXX XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 2021-05-18
Company: EQUIFAX, INC.
State: TN
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:
On XXXX XX/XX/2021 I receive a Email from XXXX XXXX XXXX Consumer Resources Tennessee XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX XXXX XXXX. XXXX with XXXX XXXX Tennessee Department XXXX XXXX XXXX, they agree Due to the ongoing pandemic they will be happy to review removing the charge-off completely as a courtesy off my credit report I dispute this item a with Equifax & they will not remove off my credit file this was related to the job loss, pandemic and subsequent charge off reporting incorrectly. I receive emails from First south Vice President, Risk Management XXXX XXXX Ph. XXXX Fax XXXX with a letter to send to Equifax & they still will not remove this charge off my credit file. I'm not understanding why Equifax will not remove this item off my credit file i dispute this item before it went over 30 days & Equifax still wont remove after receiving the letter from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Avadyne Health Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As of XX/XX/2022, H & R account located in XXXX IL is reporting a debt of {$1600.00} on my credit report to the three credit reporting agencies such XXXX, XXXX and XXXX as medical debt. I don't know this creditor and they have not been able to verify this debt or respond to my request to validate it. This item was once reported to my credit report and i requested a debt validation from this creditor due to the fact that i was unaware of this debt it was since removed then added back. I never spoke with any representative on the phone or by mail. I never received any notice about my debt collection right to dispute. The creditor failed to respond to my request to validate the debt. This has negatively impacted my credit score. This is the only collection on my credit report as I have a good paying history with all financial institutions that I actually owe. It's my right to have the accurate information reflecting on my credit report as i have worked hard to keep a good history and its unfair that this debt collector is abusing my rights. I have lost XXXX points due to this reporting and its unfair because its so hard to keep good credit in this inflation and this abusive collector is making it even harder to stay afloat. This reporting is negatively affecting my lodging and transportation opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 In accordance with the Fair Credit Reporting act 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 2022-09-28
Company: Experian Information Solutions Inc.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED 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 2021-06-02
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX of XXXX I have sent an e-mail to XXXX asking them to send me my date of birth and my alleged SSN as previously they have admitted having them. Also I have asked them to get a response by post which they ignored. They responded by e-mail on XXXX of XXXX saying they are unable to verify the specific information they have gathered. The same day XXXX have asked them how they were able to obtain my SSN when I do not have one. And on XXXX of XXXX they repeat their response and say that they consider the issue resolved and they will no longer respond to inquiries regarding this matter.

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 non-monetary relief
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: KS
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:
A month ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly update the following : 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

Company response to consumer: Closed with explanation