BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
State: CA
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 convergent account, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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. also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been calling Equifax since the week of XX/XX/2023. I was told that they needed additional documents but would not give me the exact reasoning for why the additional documents were needed, but since I was applying for an apartment and the apartment complex could not access my credit due to this particular credit bureau, I sent it in. I sent the paperwork on XX/XX/2023, and it was delivered XX/XX/2023. I called a week later and was told that they still had not received the documents and was not able to further proceed. I was told that I did not have a credit report attached to my file and there was some incorrect information in my part. I was also told if it needed to be escalated to an investigation it would take 30 calendar days to complete, so they told me to call back in a couple weeks. So fast forward to today, after sending in all the supporting documents to the po box the associate told me back in XXXX, they are still telling me that they have not received it. They asked me what po box it was sent to and since its been a month ago now, the tracking number that I have is not showing me the exact P.o. number, but I can guarantee that it was sent to an Equifax po box in XXXX XXXX The associate I talked to today told me that the information the last associate provided may not have been the right po box and I would have to send in even more supporting documents, which is almost impossible because I dont have access to a printer, so while I was trying to locate the exact po box that the documents were sent to, the associate disconnected the line, which is very unprofessional. I have no idea what to do in this case and its been making it very difficult to apply for apartments in this case. I am having extreme difficulty even though I have literally done everything on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: VA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2019-02-06
Company: Consumer Portfolio Services, 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: Report provided to employer without your written authorization

Complaint:
My name is XXXX XXXX and I didn't authorize none of these companies to run my credit for any car I doesn't have no car I haven't tried to go get a car I see the companies ran my credit without my permission plz help me get my credit back right thanks ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts. 


Due to no response for more than 60 days I would like these accounts removed from my credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2020-06-16
Company: EQUIFAX, INC.
State: AR
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:
Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY/DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Ocwen Financial Corporation
State: ME
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, I sent the attached Notice of Error letter to PHH Mortgage Services ( Reverse Serving ) notifying it of erroneous applications of credits to the borrower 's loan account. PHH has totally ignored the Notice of Error letter even though its signed the USPS Certified Mail " Green Card. '' It never sent written acknowledgement of the XXXX letter as required by 12 CFR 1024.35 within five days of receipt of the XXXX XXXXNor has PHH ever responded on the merits to the XXXX letter. Nor has PHH taken any apparent steps to investigate and correct the errors itemized in the XX/XX/2022 Notice of Error letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$810.00} XXXX XXXX {$590.00} XXXX XXXX {$790.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Credit Corp Solutions Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX I noticed a charge on my XXXX XXXX XXXX checking account in the amount of {$1000.00} in the name of XXXX. I refuted the charge with my bank, they agreed this was a fradulent charge, they had seen it happen a number of times and were aware this was an issue with XXXX. Elevations changed my bank account numbers and requested the {$1000.00} back from XXXX as a case of Fraudulent transaction. XXXX returned the {$1000.00} and " Locked '' the XXXX account associated with my name, recognizing this was in fact a fraudulent transaction. 1 Year later ( XX/XX/XXXX ) I received a letter from a collections agency XXXX Credit Corp Solutions Inc located in XXXX, UT ) stating I owe {$1000.00} from a XXXX account they now owned. I contacted XXXX and they state that because the {$1000.00} was put on a prepaid debit card before my bank was able to contact them and report the fraudulent transaction, and because the bank requested a return of {$1000.00}, the XXXX account continued to reflect a - {$1000.00} balance. Although they acknowledged the transaction was fraudulent by locking the account, they still left the balance. No communication was sent to my email, or my phone ( both of which XXXX has on file to this day ) regarding the negative amount. Not at 30 days, not at 60 day, not at 90 days, not at 180 days ( which is the cutoff date for " reporting '' fraudulent activity ) although " locking '' the account was, for reasons unknown, not considered a " report ''. The only notice I received was from Credit Corp Solutions exactly a year later stating they now own the account and require payment. XXXX is unable to do anything because the account was sold. XXXX is also unable to remove any of my personal information ( they confirmed my address, email, phone, old bank account numbers and SSN were kept for history and/or record keeping ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I received a letter from Bank of America yesterday, XX/XX/2023. It said that I had attempted to open a credit deposit account. And they declined the alleged action. Not only did I not send a request anything for Bank of America, I have not tried to, or opened any type of credit in the last four or five years. I have one credit card and thats all I need. 
XXXX said that the deposit account was monitored by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. They said there were key factors that adversely affected my deposit account score. I dont want a deposit account score I dont want a deposit account. I dont want another credit card. I called them at XXXX XXXX. I believe that number is fraudulent. They asked for my Social Security number. They then gave me a phone number to call the credit bureau at XXXX. I called that number three times. Each time it says that you have been selected for this special program or something like that. It is not a credit bureau. I Believe that this is a fraudulent attempt to obtain personal information and identity theft. 
This is a soft attempt of credit accounts. This needs to stop. No attempt at credit Or Any other type of personal information should ever be given. I really think of this Bank of America letter is fraudulent. 
I also called XXXX. After giving them all the information they requested, they said there was no one to help me and they hung up. This was the bot. Something is going on and I need to have it stopped. 
Bank of America or theyre fraudulent arm rest of my Social Security number. I gave it to you cause I thought they were a bank. Then when I called the early warning system, they also asked for my Social Security number. I think I have been breached. 
My name is XXXX XXXX XXXX, my address is XXXX XXXX XXXX, XXXX,, WA XXXX This credit score. It is a fraudulent attempt at theft of identity to gain access to all my private accounts. Bank, mtg, etc. 
The Bank of America address on the envelope says Bank of America, sales fulfillment, XXXX XXXX XXXX, XXXX, AZ, XXXX There is no address on the correspondence. My home phone number is XXXX, cell phone XXXXThere is no address on the correspondence. My home phone number is XXXX, cell phone XXXX. 
Please contact me at your earliest convenience. 

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 2022-07-22
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized credit inquiring's- credit pulled XXXX XXXX & XXXX, XXXX - shouldn't have pulled my credit 2 times in a week! Also shows inquire for XXXX XXXX, XXXX - I didn't apply for a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  account XXXX has violated my rights. 15 US 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 absolutely can not furnish an 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 2023-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital one credit card company closed my account and refused to refund my deposit of {$1000.00} after calling for the year and telling them I never received the card but someone was using it they falsely reporting to my credit report for a year and still have not returned my deposit I sent a rescission of contract letter and demand my refund of {$1000.00} and demand {$1000.00} fee schedule for all false report damaging my credit and livelihood

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XX/XX/2022, I contacted the compay to advise I was impacted by COVID ( owner of business died and my son 's father lost his job as a result. I lost income and was responsible for all bills ). I asked for my options to pause payments and requested a payment pause. In XXXX, I was able to resume payments and found my loan was 120 days past due. When my auto lease was due to be turned in, I was shown my credit score, which was severely impacted by missed payments on my student loans. I contacted the company and made payments. I was told I was only due for XXXX, which is not XXXX due and should not have been marked late prior to XXXX. Additionally, the company sent me text messages saying they are processing a Repayment Discharge. I feel XXXX 's practices are confusing, as when I make payments, I am unable to see how they are being applied since they split the total into 2 loans. Therefore, when they mark a payment late for credit reporting, it's 2 separate tradelines with negative reporting for the same payment, which is more negative to consumers. The confusing and misleading information communicated by XXXX is harmful to consumers and has had a huge, negative impact on my credit and ability to secure affordable borrow terms on future credit transactions.

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 2023-07-08
Company: Experian Information Solutions Inc.
State: MI
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. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2019-03-16
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account was compromised on XX/XX/2019. I reported this promptly to Wells Fargo, and there is a XXXX XXXX charge on my account that was not made by me. The charge is {$600.00} dollars. This low funds caused my account to go into negatives and when I made a withdrawal, because the system went into negatives after this happened also caused a {$35.00} dollar fee. I have tried resolving this through the phone, and the associate told me that there was conflicting information given, and I gave my pin to someone. I've talked to the merchant XXXX XXXX and they said there is nothing they can do, and that the person that used my identity made an online transaction and not a face to face one. Also, no one knows my pin. It is disgusting to know that this company only protects consumers when they want to, and their fraud liability is complete lies. I let the agent over the phone know that I reported this to the FTC, and she said she didn't care and that I had to try to resolve this with the merchant. I am requesting a credit for the fraudulent activity on my account of XXXX XXXX, and the {$35.00} fee. Also, when I talked to the agent over the phone the first time, she mistakenly included additional transactions on the fraud claim that made it about {$720.00} dollars, and when I was talking to her I told her I didn't remember exactly, and I don't know who took my card, but how is that conflicting information? This is so disgusting. Also, I would like to close my account after this is resolved please

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 2023-05-26
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was completely paid off after the car was totaled. The balance was XXXX, it was never charged off, sent to collections or in bad standing. I have tried on numerous occasions to get this rectified but it has not been resolved.

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 2022-03-11
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:
This is inaccurate and should not be on my report A company has gotten my medical report, I did not give permission for them to have it nor did I sign for them to have it. This is a violation of my rights.

Company response to consumer: Closed with explanation