BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: AR
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 recently sent a dispute out to Experian on XXXX for an account that doesn't belong to me. I have yet to receive any correspondence from Experian and it has been over 30 days. Under the Fair Credit Reporting Act, the account XXXX XXXX XXXXXXXX must be deleted since Experian has failed to respond to the dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-16
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I have written and requested to all of the 3 reporting Credit Bureaus that each file update my name, with correct spelling, hyphenation and initial along with current address and name of employer so that my information matches equally and nothing has been done. I have multiple aliases and addresses and my name spelled incorrectly I feel that my identity can be at risk. I have provided them with the proper documentation showing the address as well. Please advise them to make the proper changes to my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was advised by a Transunion and XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these Fraudulent Unauthorized inquiries on my 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 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 2023-04-11
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-11-29
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
Equifax again removed almost all of my accounts from my credit report. This is the third complaint regarding the same issue. Equifax on my first complaint put back all my accounts in the credit report, they removed most of my credit information again. Then for a third time they have done the same thing removing credit information from my report and reducing my credit score without any reason.I have tried to contact them by phone but is almost impossible to get to someone to answer me of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
In XXXX I contacted CapitalOne to request assistance with payments due to hardship caused by covid19. Although I was told both card accounts would have their payments deferred and would not accrue interest or fees only one account was actually setup. In XXXX I paid off both accounts through a title company. 
The title company mail checks, received copies of the returned checks and was able to verify CapitalOne cashed the checks but capitalone never credited my accounts. In the end I had to file a complaint with CFPB. The original checks had to be canceled and new checks cut. After months both accounts had finally been resolved. 
Unfortunately today XX/XX/2020 I was notified that CapitalOne has closed both accounts. 
This will drastically impact my credit score and cause unrepairable damage to my credit profile. 

I have no history of late payments or anything that would put my credit worthiness in question. 
I have done nothing to violate my credit agreement with capitalone. 

I have reached out to numerous departments within CapitalOne but no one has been able to explain the closing of the accounts. 

I believe CapitalOne has vindictively closed my accounts to cause damage to my credit profile in retaliation for asking for assistance due to covid19 and filing a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I pulled my credit report and this company has me in collection. I never signed an agreement with XXXX  stating they can share my personal information. I contacted XXXX and they have no reason that I should be in collections with this collection company. I currently have XXXX XXXX. This company has made false collection action and has affected my credit negativity CCS COLLECTIONS Last reported XX/XX/XXXX {$220.00} Open balance XXXX XXXX Original creditor Opened Account status Type Responsibility XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open I never had XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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'm respectfully filing this complaint due to the numerous of failed attempts in removing the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, and XXXX XXXX, in light of Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents via my disputes, Therefore according to the above statue any and all un verifiable accounts should be deleted promptly and immediately after 30 days. And it's been over 6 months now.

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 2023-04-10
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:
I am interested in processing disputes on my credit report with Equifax. please review an delete All data listed. these invalid information has caused alot of denials on m credit report. update an verify all information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 Account XXXX Account name : XXXX XXXX Account 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Original creditor : XXXX XXXX XXXX XXXX XXXX  Balance details 0 % paid off Balance {$290.00} Balance updated XX/XX/2023 Original balance {$290.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Open account Status - Status updated XX/XX/2023 Payment summary No payment history available to display. 
Comments Placed for collection Your statement - Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT DATE

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 2023-04-11
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:
My name is XXXX 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 explanation
Consumer complaint received 2021-10-26
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: Credit inquiries on your report that you don't recognize

Complaint:
I gave rhino motors my information. Then after discussing I decided I would go through my bank. They ran my credit the next week even though I asked them not to.Then they shared my information and someone else ran it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: WI
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 15 USC 1681 and fair collection practices act 15 USC XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 
15 USC 1681 section 602A states : I have the right to privacy. 
XXXX USC 1681 section 604a section 2 it also states : a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1692 section 805a states : a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer. 
15 USC 1692 section 805a section 3 states : at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer for receiving such communication.

15 USC 1692 section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy abuse or harass any person at the called number. 
15 USC 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 antidates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
On or about XXXX of 2020 I noticed a fraudulent account on my credit profile from XXXX XXXX XXXXXXXX. I started a fraud dispute with all 3 credit agencies and I reached out to XXXX  XXXX XXXXXXXX and they stated that they would be removing the account from my credit profile and still it's reporting on my credit profile. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: HYUNDAI CAPITAL AMERICA
State: NY
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:
Hi, to whoever this may concern, I contracted XXXX at the beginning of XXXX of this year, I had a very hard time recovering from the XXXX, I was at home by myself for almost a full month not being able to work or get in contact with anyone, it is hard to explain the difficulties of coping with such a situation, on top of that I still had to worry about my financial bills, you can not imagine what it is going through such a situation, on top of that I was not able to go through my emails that frequently so I am not even sure if I got the bill or not, I hope you understand my situation and i ask that you kindly help me out.

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 2023-10-18
Company: NEW YORK COMMUNITY BANCORP INC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My call was to determine why Flagstar, loan servicer for XXXX was not applying my extra payments to the loan principal like XXXX XXXX  did before XXXX transferred my mortgage to XXXX in XX/XX/2023. To date, and I have proof, XXXX is placing all of my extra payments in suspension. This practice doesnt decrease the loan principal. My regular monthly payment is {$990.00}. Each monthly from the time I took the mortgage out with XXXX XXXX I have made XXXX or more extra payments to be made or applied towards the loan principal. There wasnt any issues with XXXX XXXX applying the extra payments to the loan principal. However, after the loan was transferred or sold to Flagstar/XXXX, ALL of my extra payments have been placed in a suspended account. When I called Flagstar about this problem they first said there wasnt an issue. They later said, during that same conversation that they would reverse those payments and apply them to the principal.they lied and yes, based on their own website, I have documented proof. I want ALL of my extra payments past and future to be correctly applied to the loan principal. Calling them is a total waste of time. Their loan servicing department is their debt collection department. I have NEVER missed a payment. Im actually paying more than most folk via making {$990.00} extra payments to the loan principal. However, XXXX refuses to properly apply those extra payments.

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 2023-06-29
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:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: TX
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 TX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX # XXXX ..., # XXXX ...., XXXX  XXXX # XXXX ..., XXXX XXXX XXXX XXXX XXXX... ), has violated several of my rights. 

15 U.S.C 1681 Section 602 A. 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 an 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 non-monetary relief