BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: FL
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXXXXXX 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 2023-01-02
Company: Atlanticus Services Corporation
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have 2 accounts with Aspire, a subsidiary of XXXX  XXXX XXXXFortiva ending in XXXX and XXXX. On XX/XX/3022 I made 2 payments {$39.00} for account ending in XXXX {$40.00}. Despite my best efforts to resolve this problem Aspire staunchly maintains the payment for XXXX was reversed on XX/XX/2022. I sent them bank statements for XXXX proving the money was taken out of my account. Not to take my word for it, I conferenced my bank on one of many calls and they verified the payment went through and there was no reversal. Ive contacted Aspire approximately 7 times- and I spoke with a supervisor with the same results. I have attached my bank statements as proof. I need help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-04-25
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:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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 : It also states a consumer reporting agency 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 explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: PA
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 noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

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 2023-11-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a car loan with my XXXX XXXX who pulls a credit report from equifax. They said they could not pull anything and that it said I have match fraud ID. I contacted equifax and they said they could not verify my identity. They told me to send my documents and I did. I received a letter from them XX/XX/XXXX saying they could not locate a credit file. I have a credit report with the other credit bureaus. I contacted XXXX XXXX credit bureau XXXX XXXX XXXX and sent more of my information. so received mail from them XX/XX/XXXX saying XXXX or more of the consumer reporting agencies have determined that there XXXX be a discrepancy on your credit report. Equifax refuses to get me in contact with a supervisor and says it is my banks problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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:
In accordance with the Fair Credit Reporting Act & XXXX XXXX XXXX account # XXXX, my rights have been violated. 

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

15 U S C 1681 section 604-A section 2 : States that a consumer reporting agency can not furnish an account without my written instructions. 

Note : XXXX XXXX XXXX has also failed to produce the requested ORIGINAL contract in regards to this collection account.

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 2023-02-13
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:
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 XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX 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 : 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 2018-01-31
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have hard inquiries on my credit report and I want them to remove it

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 2021-10-15
Company: ALLY FINANCIAL INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Terrible company. 
Asks for unnecessary paperwork and tried to do bait and switch. Tried refinancing a home mortgage from 15y 2.1 % to ally for 30y 2.625 % o. A home appraisal by them $ XXXX equity and they have me looped into papers after papers making it impossible unless j give extra fee etc. Managers and e elusive teams all frauds- this bank should be closed for bait switch and harassment

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: 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 U.S Bankruptcy Court reference # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXX  account # XXXX, XXXX account XXXX XXXX and XXXX XXXX XXXX account XXXX XXXX  has violated my rights. 

15 U.S.C 1681 Section 602 A state 's 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 2023-11-28
Company: CMG MORTGAGE, INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
In early XXXX, it came to my attention that my mortgage lender, CMG Financial, had paid my property taxes for XXXX and XXXX to the wrong property. I only learned of this because the XXXX of XXXX XXXX informed me they were close to moving forward with foreclosure due to non-payment of taxes. I had seen that the taxes were " paid '' from my escrow account, but the lender paid them to the wrong unit. I confirmed that they got paid to unit XXXX in the same condo complex. My unit is number XXXX. 

While this does occasionally happen, the amount of time and effort it took to correct this was excessive. In the end, CMG paid the taxes, but the base amount had been increased by the XXXX of XXXX XXXX due to the late payments, and penalty and interest was also added. 

The original base amount for XXXX years of taxes was {$7200.00}. When the taxes were finally paid, the base amount had been increased to {$7800.00}, and additional penalty and interest was added to total {$8300.00}. CMG Financial paid me back for the original ( lower ) base amount of {$7200.00}, but did NOT pay me back for the difference of {$600.00}, which was deducted from my escrow account to pay toward the larger amount assessed by the XXXX of XXXX XXXX. 

I spoke with a representative of the XXXX XXXX XXXX XXXX Treasury, and he stated the original base amount was {$7200.00} and would have been paid in full for that amount if it had been sent to the correct property on time. They are going to email me the original bills totaling {$7200.00}. The larger amount was a result of the delinquent payment, which was CMG Financial 's fault since they paid my escrow funds to the wrong property. 

I can tell you that it is essentially impossible to reach anyone in customer service on the phone. I've spent HOURS on the phone on more than XXXX occasion, pressing " XXXX '' every XXXX minute to verify I want to continue holding. I've left multiple voicemails with customer service. I've also selected the option to " keep my place in line '' and get a call back several times, but I've never once had the call returned. 

I've sent multiple requests through the customer service portal for a call so that this could be easier explained, but I get a message through the portal stating they gave me the refund, and no further funds are due to me. I disagree. CMG Financial owes me {$600.00} due to using my escrow funds to pay the additional fees for their delinquent payment. 

I am not sure how to prevent this tax error from happening again in XXXX, but the unit has a unique legal description like all properties, so any confusion about the address should be a non-issue. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I check my credit report and my personal information is incorrect, I have misspelled names, address and phone numbers even my work history is incorrect. I have attached a letter with correct address.

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 2021-10-15
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 
Ive received allegations in the mail from ERC claiming I have an obligation to their company due to an unpaid balance from XXXX. 

Pursuant to 15 USC 1692g ( a ) Enhanced Recovery Company has failed to validate this debt and/or allow me to validate this debt. 

Enhanced recovery has no first hand knowledge of any transaction between XXXX and I, the consumer. 

Pursuant to 15 USC 1602 ( p ) XXXX is in violation of 15 USC 1602 ( p ) as no authorization or written consent was given to XXXX for the conveying of private information about i the consumer to enhanced Recovery Company. 

Enhanced Recovery Company does not have and can not provide an original contract between ERC and myself the consumer pursuant to 15 usc 1692a ( 3 ). 

Enhanced Recovery Company is in violation of 15 USC 1602 ( p ) for unauthorized use of my credit card which is also attached in Exhibit A. 
ERC has reported on my credit standing which has caused me great hardships as the FDCPA is intended to secure my privacy. 
XXXX as the FCRA 15 USC 1681b ( a ) ( 2 ) Enhanced Recovery Company has no written consent from I, the consumer to furnish anything and place it on my consumer report this is a violation. 

As of XX/XX/2021 signed for and received by ERC with the signatures of a representative XXXX via green return receipt which indicates proof of receiving notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: IN
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:
Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my report immediately. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft Affidavit. Please delete these items right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: VA
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:
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 this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$22000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX : {$480.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX : {$22000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$22000.00} XXXX XXXXXXXX Balance : {$0.00} - tied

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 2021-10-15
Company: Experian Information Solutions Inc.
State: PA
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 am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : 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 # 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 2023-10-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I left XXXX and was home in the XXXX on XX/XX/XXXX. On XX/XX/XXXX, my credit card bank, Capital One, declined a transaction ( {$2500.00} USD ) posted on XX/XX/XXXX after I confirmed that it was not my transaction. The next day, XX/XX/XXXX, Capital One posted a transaction from the same vendor, XXXX XXXX in XXXX XXXX XXXX, XXXX in the amount of {$4800.00} USD. I reported that transaction as fraudulent online with my Capital One account. Immediately, Capital One closed that card and made preparations to send me a replacement card. My account was credited in the amount of the fraudulent transaction ( {$4800.00} ), pending an investigation. Capital One sent me a secure link for documentation submittals. I also sent hard copies to the designated address for " Disputes ''. My card was never out of my possession and is still in my possession. It was never stolen, lost, or misplaced. Somehow, the " chip '' and credit card information were obtained illegally ( scanner? ) and used in the contested transaction. I sent a photocopy of my card that was supposedly used in the fraudulent transaction. I produced copies of my boarding passes that show I was in the XXXX on XX/XX/XXXX. Capital One never acknowledged receipt of my documents which were sent by certified mail but never signed for. 

Capital One informed me on XX/XX/XXXX that they have closed the investigation and determined that there was no evidence of fraud. They stated, " After researching your case, we found insufficient evidence of fraud because : Information we discovered leads us to believe that you or another account user benefitted from the transactions. 

I believe that there never really was an investigation. I was told that their conclusion was based on information that it was a " chip '' transaction, which is not possible. Was this misinformation from the vendor, who could be complicit in the fraudulent transaction? I requested, but never received, copies of documents from their investigation. It is my understanding of the applicable laws, that the bank must provide me with documentation and the burden of proof is on the bank, not me. 

I would like Capital One to atone for their mistake of posting this fraudulent charge and credit my account accordingly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX Dear Transunion, I XXXX XXXX have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXXXXXX : {$740.00} Ive disputed this account numerous times I have no knowledge of this account, its fraudulent and I want it deleted immediately, this account is holding me back from my dreams of getting my first home. 

I am disputing this claim due to : This is my official request to have the aforementioned item to be deleted off my credit report. 

Enclosed may be additional evidence to support my claim. 

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