BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ATTORNEY GENERAL-CHI : XXXX, XXXX XXXX XXXX : XXXX, XXXX, 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 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 explanation
Consumer complaint received 2021-12-28
Company: Paramount GR Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX my parents had received an offer to install solar panels by a solar panel installation company. They went through with the process and signed for what was agreed for XXXX $ monthly payments at a XXXX $ loan. What proceeded to happen was that nothing that was signed and agreed upon happened, and then that the amount raised to! XXXX XXXX They failed to install everything, we weren't receiving the promised electrical bills, our fees doubled to XXXX $ + monthly, and they haven't tried to help us and are only requesting for us to pay bills. They are not assisting us with finances or clearing up the problem. We wanted to speak to the representative that helped us and the company says they for fired for fraud and that we have to pay up. To this date my parents have not paid anything and are in a case with a lawyer for civil litigation trying to repair their credit and sue the company for fraud and breaching the contract and failure to communicate or try to help in any way. Our lawyer told us there is thousands of these scams going around the United States and that they got caught up in it but he'll help us. Forwarding to XX/XX/XXXX, I randomly received an email from XXXX XXXX, that my account is delinquent and I'm in collections for the same company. I was astounded by how this could happen when I was out of state working while all this signing and solar panels contracting happened. It was during the holidays so I couldnt speak to anyone. Now I have called the lawyer and he told me to go ahead and file a dispute and this is what I assume a way to dispute. I have not signed anything and was never part of the contract, we have the paperwork and contract still and I appear nowhere on that paper. I contacted goodleap to see what happened and I thought that maybe they got confused on the name because me and my father have a similar name. They said I was a cosigner-Co-User for the loan,. I tried speaking with them and fixing it but they just want payment instead. I have never been part of this and have no idea how they obtained my information. I was never part of it and it was never on my credit reports/score until XX/XX/XXXX and i'm sure they committed fraud. 
I contacted the company GoodLeap and they told me that no person with my last name, which is different from my fathers is on the contract or on the collections/report. I have no idea why I got added, they told me that I shouldnt be part of collections. But they have not removed me.

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 2022-12-05
Company: Experian Information Solutions 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:
It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$95000.00} and XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: DE
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'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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: CA
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:
15 USC 1681b Permissible Propose... It is a violation for credit bureaus & companies to report anything on your credit report without your written consent. I never provided any written consent to the credit bureaus or any of these companies to report anything on my credit report.To keep reporting this is identity theft ... Remove these accounts immediately from my credit 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

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 2017-10-29
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Early XXXX I got behind on my mortgage. I spoke with a representative about the account and was offered a payment reset. In XXXX I had difficulty making the payment on-line, which would be done at no additional charge. During the same time the company was transitioning from NationStar to XXXX XXXX. I made several phone calls attempting to make the XXXX payment. Each time I was told that if I made the payment over the phone it would cost me an additional {$20.00}. I finally got a representative that would waive the fee. I 've experienced this same issue each month since XXXX. Every time I log on to the website get a message that says " Your account is not illegible for payments. '' I spend an hour to and hour and a half trying to make my payments every month. The dedicated loan XXXX XXXX XXXX is never available to take my call. I choose the phone option to speak to a representative which loops me over and over again to XXXX 's voice mail. I eventually get a hold of a representative that is willing to help. 

In between payments I have received numerous courtesy calls from XXXX XXXX. On each call I reviewed previous payments made as well as made inquires about the status of my payment reset. Each time I was advised that a decision had not been made on the payment reset. In XXXX I was advised that Fannie Mae had a backlog which was delaying the decision on my reset. Well in XXXX after having difficulty making my payment I spoke to XXXX representatives about the payment reset. The last woman that I spoke to advised me that my account was not illegible for the payment reset because I missed the XXXX payment. This was the first time that I had heard this in the XXXX plus calls that I have had with this company. The XXXX payment was missed because I could n't make it on line. 

As of today I am still unable to make my payment on line. When I attempt to make the payment over the phone tomorrow I will get the same run around that I have been getting. 

I also do n't understand the activity that occurred on my account in XXXX. 

XXXX - Unapplied Payment = {$460.00} XXXX Monthly Payment = {$460.00} XXXX Monthly Payment= {$460.00} XXXX Payment Reversal= ( {$460.00} ) XXXX Payment= {$460.00} Why so much activity in XXXX? I 'm pretty sure the XXXX payment was made on XXXX XXXX because I was unable to make the payment on line, but I do n't understand why it was n't applied. Then I made another payment that same month, but I do n't understand the payment reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-13
Company: LEXISNEXIS
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Since XX/XX/XXXX. I have sent almost 7 Complaints ( disputes ) as they identify them with calls from insurance companies and emails to fix the dispute but promises without action. 
My name and my nephew have the same first and last name but different Middle names, Dates of birth, SS #, Driver 's licenses, etc... 
my nephew had 2 car accidents. XXXX in XXXX and XXXX in XXXX. 
They have added those 2 claims ( accident ) to my personal report. 
I have stated that the information is incorrect information on my report. they claim it on the insurance companies who reported the claims. I followed up with the insurance companies who sent them email after email and explained in detail the confusion between the names but without any action from the credit report company. 
The main problem is that they don't respect the time. They make you wait to answer the dispute for almost 35 days. That is in total 8 months now without any results. 
I am a XXXX person and really don't have the time to wait for half an hour every time you call them for a security check with operators from foreign countries and don't know what are they doing??? it is really petty to see such a company handle credit reports for millions of people with such responses ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX-Date of Inquiry XX/XX/XXXXXXXX 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 2021-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On XXXX XXXX while on vacation in XXXX we stayed at the XXXX XXXX XXXX, we were cornered into a travel membership in which we were told that it could be cancelled at any time by the representative, we still stated that we did need this additional expense but they insisted to try and then we could cancel if it didnt work for us in which my they did not credit card was charged {$2800.00} with a re occurring charges of {$43.00}. When we returned to the USA we reach out to the company that we would like to cancel XX/XX/2021. They did not respond to us until weeks later and there was a major language barrier, we stated that we did not need the service and they refused to cancel and the representative XXXX XXXX in order to not loose our money we would have to do a revised membership and and then we could cancel if the service provided was lacking. Under the advisement of XXXX a representative of XXXX XXXX we agreed with a temporary membership with the intent to cancel. We have been sending cancellation requests for the last 8 months and no response. We finally reached out to our credit card company Capital One to file dispute against the charges because the company refused to cancel the membership and issue a full refund. Capital One is still allowing this company to charge my credit card and with monthly reoccurring charges after repeated request to stop payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: TX
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 account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/21 around XXXX at XXXX XXXX XXXX XXXX New York XXXX XXXX I tried to deposit over {$3000.00}, I wouldnt know exactly because I relied on the ATM to count them show me my tallied amount to deposit my money. The atm made an error sound then released my card without depositing my money. When I called capital one they said that I would get a provisional credit. I tried calling today and I was told I wouldnt receive any money until their investigation is done. I do not trust the fact that I did not count all my cash and relied on the machine to do so so I have no idea the actual amount inserted. It is the week of XXXX and I had purchases to make and now I cant even do that because I am waiting for the provisional credit while the real investigation takes place. I have no proof but the camera of the atm in this particular branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: AL
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:
I'm filing this complaint on my behalf and there's no third party involved. I've been reviewing my credit report recently and noticed these inaccurate information that's been reported. 
XXXX. ) XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX SUNRISE XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX I do not RECOGNIZE these items that's been listed and is clearly in violation of FCRA 15 U.S.C 1681i & 1681s-2.

( Copy Enclosed )

Company response to consumer: In progress
Consumer complaint received 2021-12-25
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Capital one closed my account for no reason at all. First back in XXXX they had my accounts restricted saying they needed to verify me and all my authorized users. They had me send in a copy of every on DL front and back and social security cards also. After it took them a month in a half they got all of that corrected they fixed my account back to where they unblocked them from being restricted and reported it to the credit bureau that the account dispute was resolved in XX/XX/XXXX. So on XX/XX/XXXX I notified the credit bureaus about an inquiry that was showing for XX/XX/XXXX that I did not authorize. I woke up the next day and Capital One closed both of my accounts. They had me send a letter saying that I have both of my credit cards. I called them back on XX/XX/XXXX to get a update on my accounts that Ive had since XXXX and the man said they closed it for another reason. He never told me why my account was closed. I have never been late and I provide all documents that were requested for the 1st issue. This is has messed up my credit report because they closed my account in error or for no reason. They send a 24 month warning letter on XX/XX/XXXX and I provided information and then they still closed my account. The account was reopened now its closed again after I did my part as a consumer.

Company response to consumer: Closed with explanation