BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act Freedom mortgage has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it's also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666 BA creditor may not treat a payment on a mortgage payment under any open and consumer credit plan as late for any purpose

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 2020-07-12
Company: Experian Information Solutions Inc.
State: MA
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 sent several disputes regarding the two mortgage Companies reporting on my account. The only open mortgage I have is with XXXX XXXX. Please have them remove the account from XXXX XXXX. I have asked for proof with no response.

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 2023-06-16
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My banana republic credit card issued by XXXX XXXX in XXXX had a one-time balance of XXXX $ which I cleared immediately and never used that card again afterward. In mid of XXXX, the company managing the banana republic card was changed from XXXXXXXX XXXX to Barclays Bank upon which the card I had was obsolete. The identity thief seems to have authorized the issue of the new banana republic card from Barclays Bank under an incorrect mailing address, email address, and phone number without my knowledge and started using the card from XX/XX/XXXX. I saw this delinquent account on my credit report and reported the issue to Barclays fraud investigations around XX/XX/XXXX and they still haven't resolved this issue as of XX/XX/XXXX even after I called them repeatedly every month. They also reopened the investigation in XX/XX/XXXX after their initial wrong findings but its already been almost a year and its badly affecting my credit score and auto loan applications & others. I need this identity theft and my credit report fixed asap. I also see one wrong address and a phone number on my credit reports which I am disputing as well. I hope Barclays fixes this credit reporting issue without further delays and has consequences for mishandling and causing issues in my life for about a year 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 2022-06-01
Company: PNC Bank N.A.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We bought our XXXX XXXX XXXX XXXX in XXXX and purchased the vehicle through a loan with PNC Bank. We immediately filled out the automatic payment withdrawal form so that the monthly payments would be withdrawn automatically from our bank account. We continued to make this monthly payment for the reminder of the loan up until XX/XX/XXXX. When unknown to us, PNC did not automatically withdraw the last car payment in the amount of {$500.00}. We counted on their automatic system of payment to withdraw all the payments until the total repayment of the loan. We have recently learned that our credit score has been dramatically impacted due to this situation. PNC Bank did not protect our credit score. We went back to look at the final statements and notice that there was hardly any change from the second to last payment to the last one which is why it was nearly impossible to know that we had to make the final payment in person as opposed to all the other XXXX payments. Despite never missing a payment, this has now put us at a financial disadvantage to remain credit worthy. After learning of this we immediately made the final payment on XX/XX/XXXX, and now owe no more payments but out credit score has taken a dramatic hit. I think this is truly unfair. There should be bigger fonts and notice that the last payment needs to be made by the person as opposed to all other payments. All the bill stated was " Final Payment. Congratulations! This is your final auto loan payment. Your title will be transferred to you once your final payment processes. '' Any normal person sees this bill and entrust that the final payment will simply be withdrawn like all other payments within the lifespan on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 had bought a TV from Walmart and the 3rd party company XXXX with my Capital One Bank Card. The thing is that I want to return the merchandise do to being the wrong TV. I contacted Walmart and Capital One to open dispute and return the item. Capital One told me to wait for XXXX XXXXs to contact me within 48 hours and that they was a case XXXX XXXX. That they were going to fix the issue. I have been emailing the 3rd because they never called or send me the label for the return. Now Capital One tells me that the case is close and all I am asking is for a refund and return TV. XXXX XXXX  told me that the case was close as well, they never called or emailed me back. Need to know if something can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Google Compare Credit Cards Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Charges totaling over {$3000.00} were made by a minor without authorization. We received no notification from the bank although this was not representative of our spending habits. We called the bank and were turned away. We were told there is nothing they can do and we must reach out to the vendor to resolve. The other option they gave us was to prosecute our child. We tried to arrange a refund through Google, but were denied. 

The line item for each charge was : XXXX Google XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX XXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting 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:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue.

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 2023-06-17
Company: LoanCare, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Problem : - LoanCare , LLC incorrectly report " DELINQUENCY '' to all the credit bureaus for a mortgage payment for XX/XX/XXXX when it was paid. 
XXXX LoanCare , LLC incorrectly reports " XXXX '' to all the credit bureaus for a mortgage payment when the loan is transferred to another bank. 

What happened : - I purchased a home at the beginning of XXXX and LoanCare , LLC. was the lender. 
- I set all my auto mortgage payments through LoanCare , LLC website, and all mortgage payments were paid on time ( please refer to the attached documents ). 
- On XX/XX/XXXX, I made my XXXX and XX/XX/XXXX mortgage payments through auto payments ( please refer to the attached documents ). 
- On XX/XX/XXXX, LoanCare , LLC sold the loan to another lender ( XXXX Bank ) and stated the mortgage loan is being transferred, effective XX/XX/XXXX. After this date, a new servicer will be collecting your mortgage loan payments from you ( please refer to the attached letter ). 
- I contacted and complained regarding the issue back in XX/XX/XXXX ; however, the problem was never solved. 
- As of today, XX/XX/XXXX, the delinquency still appears on my credit report and has caused my financial issue because I wanted to purchase a new house, and the lender raised my interest rate and is in danger of being refused the loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: IN
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:
The Credit bureaus stated that account XXXX # XXXX was properly investigated, but how is that possible if the monthly payment is inaccurate, Date Opened is inaccurate, Balance is inaccurate, late payments are inaccurate, High Credit is inaccurate, Last Reported is inaccurate, Date of Last Payment is inaccurate. 

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 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

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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 XXXX XXXX XXXX XXXX NY XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the rights 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 credit card account under an open end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting Act. 

Also Inquires listed below were made without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a medical bill back in XXXX 2020. I paid part of the bill but requested for assistance. I received XXXX XXXX  to pay off my debt. Didnt know all the debt was not paid and the rest sent to collections. Saw collections company ARS on my credit report today. Never received written notice from the collection company about debt to try to negotiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: CO
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:
n accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 U.S. 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: A/R CONCEPTS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I work in XXXX, IL and got a few parking violations that I thought were inaccurate due to parking in our community which impacts me just trying to work in that community. Either way, I got a call from A/R Concepts ( a collection agency ) @ XXXX on XX/XX/2023 from a gentleman. He was very foul and threatening. He called me and everyone in my community names and entitled after I told him to go ahead and put this on my credit. I am in the process of attempting to settle with XXXX. This gentleman then started to use profanity and after I reacted, he continued the conversation turning it personal. He threatened to call my employer and even started to look me up as he stated " let me look at XXXX to see where you work so I can anonymously call them and tell them who you really are ''. I feel threated and my rights are violated. I want that call to be heard ASAP as he said this call was being monitored and recorded. He can not call my work or try to get me fired after I told him to simply put it on my credit. This behavior and his attempt to make me upset was unprofessional. He obviously made me very upset and now I am concerned what his intentions are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Genesis FS Card Services, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XXXX XXXX XXXX EST XXXX XXXX XXXX under phone number ( XXXX ) XXXX messaged my dads number ( XXXX ) XXXX ; this message contained a link, confirmation number of the debt and a statement acknowledging that they are debt collector. I found this immediately disturbing as they never even attempted to contact me first, since the message contained my legal name. My phone number is ( XXXX ) XXXX. 

This is inexcusable behavior from any debt collector. My dad could have pretty much accessed my debt at any time but he chose to ask me first ; I told him to delete the message because it doesnt relate to him. 

This is in clear violation of the Fair Credit Reporting Act as this company deliberately attempted to display collection activities related to my closed account towards in another family member without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions 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:
i am a victim of identity theft. there are accounts as a result of fraud on my credit profiles all are XXXX loans. i have disputed these fraudulent accounts and the credit bureaus refuse to remove them even with a police affidavit. this is causing me injury, prejudice and damages.

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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