BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
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 am writing to file a complaint regarding a late credit card payment that is inaccurately showing on my Experian credit report. I believe this violation is in direct conflict with the regulations outlined in the 15 U.S. Code 1666b, which governs fair credit billing practices. It states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I hold a credit card with XXXX XXXX, account number XXXX. According to the information on my Experian credit report, there is a late payment listed for the billing cycle ending XXXX XXXX XXXX. I would like to bring to your attention the following points : Compliance with 15 U.S. Code 1666b : Section 1666b of the United States Code governs fair credit billing practices. It ensures that consumers are treated fairly and have the right to dispute incorrect charges or billing errors. It is evident that the reporting of this late payment is erroneous and does not comply with the spirit of this law. Negative Impact on XXXX XXXX : The inclusion of this late payment on my credit report has had a significant adverse impact on my XXXX XXXX, affecting my ability to secure favorable credit terms and causing undue financial harm. This negative reporting is unwarranted and violates my rights as a consumer.

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 2023-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 this creditor has violated my rights.

Under 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late of any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: LD Holdings Group, LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Summary of problem! XXXX XXXX  has not been paid yet and payment according to the Closing Documents we signed, this was to be paid XX/XX/XXXX. THEY HAVE NOT BEEN PAID OF THIS DATE. 
Order of process to date : Note : I have copies of the documentation and will be able to provide them to the Louisiana Consumer Protection Agency which will initiate investigations by the State of Louisiana and the Department of Veterans Affairs. 
- XX/XX/XXXX I received notice of Loan Approval for loan number : XXXX - XX/XX/XXXX A contract Notary representing XXXX XXXX witnessed the contract closing. This date was changed from XX/XX/XXXX. Special note the contract was received by the Contract Notary at XXXX on XX/XX/XXXX, in other words it was current. We signed the contract and the cost of the Notary was not include in the online documented paperwork, so I had to go to my credit union and get a certified check for {$110.00} to pay the Notary. 
- XX/XX/XXXX, our current mortgage provider was not paid as indicated by the Closing Instructions under Disbursement Date : XX/XX/XXXX. Special Note : I have a copy of Loan Depot Lifetime Guarantee under Important Steps item one it states Please note that your previous mortgage payoff and/or disbursement may take up to 5 business days from XX/XX/XXXX to XX/XX/XXXX is currently 41days and still no payment to my current mortgage holder. 
- On XX/XX/XXXX I was current on my mortgage payment and on XX/XX/XXXX I was current on my mortgage payment. I was compliant when we closed on XX/XX/XXXX. 
- XX/XX/XXXX I am asked by XXXX XXXX to print and sign a new copy of the closing contract and forward it to Loan Depot. I did comply but as an un-notarized addendum to the contract I believed the activity would violate Louisiana Law and  would then make the contract non-binding. 
XXXX  XXXX, XXXX has not paid my current mortgage holder and now XXXX XXXX has changed the cost break down without my approval or signature. As you are aware to change an in-place contract it requires the approval of both parties involved in the transaction. I will not honor my obligations due on XX/XX/XXXX until you honor your obligations of the XXXX  Contract to pay the current mortgage holder on XX/XX/XXXX. You pay and I will become easier to work with. 
LoanDepot.com has initiated my first payment on this loan on XX/XX/XXXX. I will not make any payments to you until my current mortgage holder is paid in full including penalties and fees caused by your constant delays and excuses. 
I have recently received a letter

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Well, I got contacted by XXXX ( XXXX ) and they informed that I got some issues with my Amex card and they wanted to resolve it. So I trusted them and given my computer access to them. Then later they told me to call Amex and convey the message that XXXX ( XXXX ) has resolved the issues from their end and now its Amex turn to fix it further. Then I grab my Amex credit card and dial the number which is on the back of my card and the representative told me to buy XXXX XXXX XXXX XXXX worth {$3500.00}. I followed everything what Amex told me & later I realized that I have been getting scammed. So my only concern is how did I reach a scammer when I dialed the Amex number on the back of my card when XXXX ( XXXX ) had the remove access of my computer. I doubt that they might had the access to my cell phone as well. 

Then later in the day I went to XXXX and they did not help me with the refund and I called Amex & they said that they never ask for any Gift Cards. I want to dispute the amount from Amex but they are not helping me. 

This is why I am writing this to you because I am retired and on a very little social security. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX XXXX has violated my right under 15 USC 1681 section 602A and 604A section 2 and 15 USC 1666B View attachments below

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 2019-12-31
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Several Credit cards were stolen in 2017 including Discover. I filed sheriffs reports regarding the credit card theft together with theft from my rural mailbox. I notified Discover who denies to this date. I have repeatedly sent all information including sheriffs reports and arrest information on the person who impersonated and falsely pretended to Discover. But Discover continues to ignore and deny. The credit card limit was {$7700.00} and Discover even allowed the thief to exceed the limit to {$12000.00}. Discover continues to adversely report and now adds insult to injury. See attached 1099. Discover charged off and I gave up and decided to wait for Discover to fall off my report on its own. But now Discover is claiming I benefited from the theft when I received {$0.00} benefit or anything for all the fraudulent purchases. This is wrong and now burdens me with more work. In addition to complaints I now have to file the necessary IRS forms to deny the fraudulent 1099.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I have acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which XXXX and Transunion did not modify or remove anything. 

The date is not correct, last active is not correct on all three credit reports, date of late payment is not correct on three credit reports.

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how they have violated my rights.

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: LA
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 Louisiana XXXX XXXX SS # XXXX DOB # XX/XX/1980 To whom it may concern, Please remove late charges You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that 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 an account without my written instructions.

15 U. S. C 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2021-10-13
Company: Shellpoint Partners, LLC
State: CA
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:
We applied for a refi on our home and was questioned about the report from NewRez-Shellpoint that appeared to be two missed payment on XX/XX/XXXX and XX/XX/XXXX. I manually subtracted the amount paid from XX/XX/XXXX to XX/XX/XXXX the balance amount is correct but the columns don't indicate payments. This error could have and may have effected the amount that I was charged to finance my loan. As this was shown as missed payments. I contacted Shellpoint and they reported a XXXX missed payments and sent a letter of verification to me on XX/XX/XXXX. All three credit reporting services should be notified, XXXX, XXXX, XXXX and XXXX XXXX XXXX and any other lending companies involved in this loan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I, XXXX XXXX, consumer, On XXXX XXXX, I talked to a representative from Capital one and they stated I was approved for a XX/XX/2022charger, from XXXX XXXX XXXX XXXX XXXX. 
My denial of XXXX XXXX XXXX XXXX XXXX offer of down payment towards the vehicle, cause me not to be able to negotiate, and XXXX XXXX unfair and deceptive practice, cause me not to obtain the vehicle. 
On XX/XX/XXXX, Capital One then Declined my credit. ( see attachment )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX XXXX XXXX alerted me on my cell phone that a hard inquiry had been made to XXXX credit Bureau,. I got in touch with XXXX to tell them it was not me and I'd like a freeze put on my credit report. 
Later that same day I found out that XXXX had a data breach in XX/XX/XXXX. I had just switched my cell phone company to XXXX on XX/XX/XXXX,. 
Then again on XX/XX/XXXX I received another alert from XXXX XXXX about another hard inquiry. Both of the inquiries above were from Target/TD which is Target new accounts # XXXX XXXX XXXX. I called XXXX and put a freeze on my credit report @ XX/XX/XXXX. 
On XX/XX/XXXX I received another alert from XXXX XXXX that another hard inquiry from XXXX had been blocked. This is XXXX XXXX XXXX XXXX XXXX XXXX . Someone trying to open a credit card account in my name XXXX XXXX XXXX XXXX I went to the XXXX XXXX Police Dept in the beginning of XXXX XXXX and filed an identity theft report and am waiting to here back from the officer. I also called Target/TD back in XXXX and talked to someone in the fraud Dept about the inquiries,. She asked me a few questions related to the credit inquiries from information on her computer about parts of a phone number and address that the person trying to open an account used and they were not mine but she couldn't give me complete phone numbers or an address. She told me to make a police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12
Company: Incomm Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
In XXXX of this I was giving a Vanilla Visa Gift Card for {$250.00}, In XXXX of this year I place an order for {$210.00}. The order was not processed so on XX/XX/2021, I log in to check my balance and found a fraudulent XXXX change for {$32.00} on my card. I called the phone number I found online for Vanilla Visa Gift card ( XXXX ) and filed a disputed ticket case id # XXXX. I received a dispute packet, filled out the 2 forms and sent them back to XXXX as requested on XX/XX/2021 at XXXX XXXX. I received another email a week later asking for the same forms again, which I sent that day. This morning I called the phone number to find out the status and was told it could take up to 90 days for an answer. So, I ask what about my {$210.00} and was told I could get a check for the remainder in 7 to 10 days, but I forfeit the reminding {$32.00} if this put when my way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: EQUIFAX, INC.
State: CT
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:
In XX/XX/XXXX, I received a XXXX XXXX Visa card from XXXX XXXX  where I did all my business at the time. I was a XXXX XXXX XXXX. From XX/XX/XXXX until this incident I was never late a day on my credit card payments, as is borne out on my credit report. In fact, over 44.5 years and millions of dollars of payments I never was a day late that whole period of time on ANY payment! 
In XX/XX/XXXX, XXXX suggested I consider paperless billing, for which I signed up. I NEVER RECEIVED EVEN ONE STATEMENT AGAIN! I kept this card in a wallet in my glove box of my car just for emergency purposes, so it wasn't something that was top of mind for me to remember, plus I am a XXXX XXXX and frankly due to age and medications there is a lot I don't recall immediately. In XX/XX/XXXX, I did receive a letter from XXXX telling me I had a balance due on my credit card, so I immediately called XXXX and gave them a checking account number and routing number to my personal checking account to pay the balance due, which they did. Later they told me that the payment that I was making from my checking account was just for that payment, while I thought the checking account number was there to pay ANY balance that might appear on the card. In fact, when this incident happened and I called XXXX the system asked me if I wanted to pay the balance due with my checking account " On file ''! 
On XX/XX/XXXX, I received a notice from XXXX stating that I had a {$300.00} balance on my credit card, and that {$130.00} was due on XX/XX/XXXX. ( See attached screen shot of that notice ), yet on the day before, XX/XX/XXXX, XXXX REPORTED TO THE CREDIT BUREAUS THAT I WAS 60 DAYS LATE!!! 
XXXX  never contacted me to tell me the balance was even due. I received no email except the one telling me  my balance was due on XX/XX/XXXX. I received no phone calls as the phone number XXXX was using was disconnected years ago. I received no postal mail that I can recall, but I believed I was on paperless billing anyway so I wasn't looking for anything from XXXX Bank. ( I have attached screen shots of the email on my email server for the periods in question and one can see the only chase notification that came through was the notice that the balance was due on XX/XX/XXXX ) Clearly, if I received any notice at all that there was a balance due I would have paid it, but I had no knowledge there was even a balance on the card due to paperless billing NOT WORKING! ( I have attached a screen shot of an internet blog which states that many others were having the same problem with chase paperless billing )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
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:
This will be my last Complaint to inform the Credit Reporting Agency that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any account which was opened without my knowledge, consent or authority within 4 business days with If the Credit Bureau do not comply with the requests, it leaves me no choice but to pursue legal action. I need the listed account deleted as soon as possible : XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-07
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been complaining with all of the debt collector letters that I have receiving. Stated I owe XXXX XXXX XXXX XXXX {$1000.00}. I already called and filed the fraudulent form with XXXX XXXX XXXX. This debt collector is a new one name True Accord. So far I have reported 3 debt collectors here in CFBP to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, 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 XXXX Accounts, has violated my rights. 
( XXXX  ) # XXXX ( XXXX  ) # XXXX ( XXXX XXXX ) # XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Frontline Asset Strategies, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing this email because this is the second time that i received a collection letter Frontline Asset Strategies on an account that supposedly belongs me in XXXX for which i have taken action and have communicated on several occasions and have contacted the authorized stores in search of advice and through they have contacted customer service from their internal lines and according to them they have created a fraud report since I DO NOT RECOGNIZE such charges since i do not even have a telephone line in the aforementioned company Please, I request that the respective investigations be carried out on said case and that that an answer be obtained regarding said account, which, if it existed, was made without my consent. Attached Copy the report of Police and letter that colector send me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
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 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 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