BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed below : 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 explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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  SS # 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 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 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/XXXX an account was opened and I was approved for {$300.00} credit limit. XX/XX/XXXX I order a cease and desist and a letter to verify who is the original creditor, but I received no response. I am a consumer and the original creditor. I've sent an invoice trying to settle with XXXX, still no response. Also my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report. This is my 2nd time trying to resolve this issue.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 recently received a copy of my TRANSUNION Consumer report, and I noticed some late payments posted on my consumer report. 
XXXX  XXXX XXXX Account # XXXX for the months of XXXX XXXX XXXX # XXXX for the months of XXXX XXXX XXXX # XXXX for the months of XXXX XXXX XXXX XXXX XXXX # XXXX for the months of XXXX your consumer reporting agency is illegally reporting late payments on my consumer report which is a clear violation of the Law. 
15 U.S. Code 1681a ( 2 ) ( a ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report your agency is also in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave you permission to are written instructions to furnish. Late payments are anything on my consumer 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 2023-06-12
Company: ACIMA CREDIT, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt in the amount of {$2300.00} has reflected on my credit. This debt is not mine, I have called several times to dispute the collection and no one has been able to even locate me in their system. He supposedly looked me up by name and phone number with no result, and when I asked him to search for me by social. It turns out they do not have my social at all, yet ACIMA is hitting my credit for this amount. This collection is causing a huge impact on my credit and I should not be having this issue, especially since this debt isn't even mine. Every time I call, I noticed I am getting the same person over and over. And when I ask for information or to speak to someone else, his response is " there is no one else I can speak to. '' While on the phone with him, he will completely cut you off, talk to you extremely rude and even laughed because I wouldn't stop insisting on more information. After speaking to this person, on XX/XX/2023 I decided to take matter into my own hands and make a police report regarding the issue. If this issue is not resolved, I will also be taking legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I logged into my capital one mobile app because I currently have my car loan and credit card with them and noticed that a checking account was opened ending in XXXX on XXXX. 

I called Capital One and immediately told them I didn't open that account and to close it. The rep stated that he would get it closed since it was fraudulently opened. This was XXXX of this week. I'm currently logged into my mobile app and the account is still open. 

This makes me think Capital One is doing the same thing that XXXX XXXX did. Open accounts in the customer 's name without their permission. I want to know who opened this account and I want to press charges. I didn't authorize Capital One to open an account in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
In XXXX I got a loan with Wells Fargo where my monthly payments were {$220.00}.? Due to the pandemic I was given a 6 month extension.? I called the loan department to find out when my next payment due and I was advised that I needed to complete paperwork for a financial hardship.The documents were completed and mailed. I called again and was advised the hardship request was approved with my new payment amount being {$120.00} with the first payment being due XX/XX/XXXX.? My first payment of {$130.00} ( over the amount due ) was made on XX/XX/XXXX which was prior to my due date In XXXX, I noticed the information on my payment portal was incorrect.I 've been calling Wells Fargo since XXXX to get this information fixed and I've been getting the run around. All the representatives I've spoken to advised me that my account profile was not updated to reflect the new payment/agreement.I continued to make timely payments even though the error was made on their part.Each time I call, the representatives said they made notations on my account and assured me this would be taken care of.I was advised that my case was assigned to a representative and he is the one handling it.For my most recent call on XX/XX/XXXX, I was advised that the representative was not in office and that he would give me a call. This has been going on since XXXX and has not been resolved as yet.I 've been given too many excuses from that person not being in office to them having technical difficulties. In the meantime, erroneous and invalid information have been reported on my credit.I am in the process of purchasing my first home and was in shock when my advisor told me that I was denied due to the information being reported.This has been going on for too long and needs to be updated immediately.My most recent call was on XX/XX/XXXX, and I was advised that the representative was out of office and he would call me in reference to the situation. My account is now showing past due because of this with a balance of {$680.00}. A case was finally opened, I received a letter from the executive office stating they are going to fixed the situation and assist with updating the information on my credit.To date, this has not been done. I have not received any phone calls like they promised. This situation has cost me lost time at work with countless holding on the phone and now a decrease in credit score due to incorrect reporting on the banks end.Can someone please assist me with this situation.? I am requesting my account updated to reflect the correct payment amount, any fees billed adjusted, a letter stating this was an error on Wells Fargo 's part, and most importantly, all credit reporting agency updated.

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: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX 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 an 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 2021-04-01
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a bankruptcy thats reporting to the 3 credit report agencys that lexisnexis is giving them false information on my report and I told them that this a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage servicer sought feedback regarding their service via a survey. My response, which was generally negative, pointed out, that, XXXX XXXX, the prior servicer/lender supplied machine-readable copies of monthly statements on their web site, but current servicer does not. Servicer called late in the day, on the XXXX of the month, leaving a message instructing me to return the call at my earliest convenience, but without providing an extension or any indication of why they called. Of course, a call from a mortgage servicer on the XXXX of the month was disturbing because it raised the specter of some problem with the monthly payment on a date too late for timely resolution. When I called, after going through two XXXX phone trees where substantially the same options were mentioned, I reached an agent, who told me that the reason for the call related to the the statement availability issue I mentioned in the survey. The agent mischaracterized the practice of the prior servicer ( referring to " coupons '' ), and then proceeded to say the statements were available. But the statements are not available, unless borrower submits to the servicer 's coercion to forego monthly mailed statements, which I have not.

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: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My issue is with Ocwen Loan Services/PHH Mortgage XXXX 

We had two loans and one was charged off The first mortgage had a modification done to it and the second did not and we were not able to get the second modified. 

The HAMP Obama law that was passed was if the first mortgage is modified the second mortgage it is mandatory to modify it. 

This did not happen we were never able to get the second modified. 

Can you ask Ocwen did they not know the proceeders to modify the second after the senior mortgage has been modified. 
I would like a written response to know what happened. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, 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:
When asked whether or not my personal data stored at Equifax was compromised in the security breach of XXXX, Equifax refused to give an answer. I supplied my name, address, date of birth, and SSN with my request as per FCRA rules. Equifax 's refusal demanded both proof of identity and proof of address as a precondition to accessing my file. 

15 U.S.C 1681g entitles consumers access to their own files. The conditions of disclosure are written in 1681h, which requires " that the consumer furnish proper identification. '' The FTC has determined that an SSN constitutes " proper identification '' ( https : //www.consumer.ftc.govXXXX XXXX 

According to my records the fax number for Equifax is ( XXXX ) XXXX. I tried to transmit a fax to that number and their fax machine refused, which caused the error " connection refused '' to be reported back to me. This problem has increased my cost of correspondence, as I had to post a letter. 

Equifax breached its obligations under 15 U.S.C 1681g when they denied my access request. The denial is therefore legally actionable. Please act to bring Equifax into legal compliance. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: MA
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:
My name is 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: CITIBANK, N.A.
State: MO
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:
XX/XX/XXXX I made a purchase to XXXX. I could not use the service properly and wanted to cancel. I thought I was being billed XXXX monthly but they were billing XXXX monthly average with annual payment of XXXX. They charged {$84.00} up front. Since the service is XXXX and I cant use it, I called customer service to cancel. The phone number listed on website goes to a prerecorded line that says we do not offer phone support. I sent an email requesting refund to XXXX as instructed by CITI BANK on XX/XX/XXXX and there was no response from XXXX. Their website says I can not get refund after 30 days of purchase so I acted quickly. Now I have been disputing this charge with CITI BANK who gave me a conditional credit then TOOK IT BACK and is also charging me interest on the charge as Im now over the limit. I have sent them copies of the receipt, my email request and completed all the paperwork they asked and I still do not have my refund. This is clearly consumer fraud on both ends. Ciiti bank is just as guilty as 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 monetary relief
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: MD
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:
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, to provide proof, 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 XXXXXXXX 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 2019-06-17
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My loan with XXXX XXXX was disbursed XX/XX/XXXX. My payments do not start until XX/XX/XXXX. Since the disbursement I have received monthly " billing '' emails, although these emails always ( correctly ) stated that a payment wasn't actually due and any payments I make would be optional. Then suddenly in XX/XX/XXXX - two years after the loan disbursement - XXXX XXXX started showing amounts that they stated were due ( even though my repayment start date, again, isn't for another three years ). On XX/XX/XXXX they charged me a late fee, even though - again - my repayment start date isn't until XX/XX/XXXX. Because of this late fee for absolutely no reason, my credit score dropped six points ; so now I have to go through the hassle of filing an appeal with the credit reporting agencies because XXXX XXXX is trying to collect on payments that aren't even due yet. I contacted the rep at XXXX XXXX who sent me the payment due notice to ask for an explanation of what they were doing, and after not getting a response for over two weeks I then contacted the VP of customer service at XXXX XXXX, XXXX XXXX, and he also chose not to respond ( it's been ten days and counting ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: NV
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:
Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : 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