BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
For several months of 2023, I have tried to solve a problem with the XXXX XXXX bank account, in which I sent you a letter explaining the situation since this account was closed, paid in full but in my report it appears to me that it had XXXX late payments. 

Unfortunately I was a victim of bank theft and this account the bank made the refund of the security payments but once the problem was solved the account was paid and this problem was never had. 

I sent a letter waiting for a response from the company and to date I have not received any notification, I made several calls so that please with the evidence sent this will be removed from my report, because it is an account that is not due and that only affects my credit. 

The person in charge notified me that since the account is closed they can not make the modification that this modification must be made through the credit agencies since they can not delete this so I ask that this information be corrected or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX # XXXXXXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2200.00} ; XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$560.00} ; XXXX XXXX  Bankruptcy Reference # : XXXXXXXX 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 2023-07-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate! 
I look forward to your written response confirming your compliance on this matter as well as an updated 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 2023-10-11
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
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:
I have experiencing depressions and Hardship i have a my personal information stolen i have a police report I will upload! I reviewed my consumers reports and notice that I had serval late payments on accounts that I was never late for. Consumer reporting agencies have assume a virtual roll and have a responsibility to report consume to the best of there ability with maximum accuracy. I have never been late for payment for any of these accounts. ( XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provide I demand these payment be updated to on time as they should be as I was never late.

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 2023-02-15
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have received several cards from this same bank. Comenity Capital Bank. I keep calling and they keep giving me random responses. I was told that they did not have a fraud department. In the past four days I have received three separate mailings with cards but different stores. one for XXXX XXXX, XXXX and a XXXX XXXX store. There was a credit card received from XXXX  XXXX XXXX. There is another for XXXX  XXXX XXXX XXXX card. I am receiving car loan information. I was told that because it was all of my correct information it was not fraud. I told them that it is not mines. That my address was also changed and that I had already contacted the postal services. They refused to open a fraud case. I called on Saturday XX/XX/23 and spoke with XXXX. On XX/XX/23 I called again and spoke with XXXX. On XX/XX/23 I spoke with XXXX. Then on XX/XX/23 I received another letter for another application. I called the XXXX Postal service because on XX/XX/23 I also received a letter stating that a change of address was also put in for my mail. I made a complaint to the XXXX Postal Service and that was not a great experience. I was told to call my local post office and I could not get anyone because I was told they were too busy on Mondays and told to make a complaint to the XXXX XXXX XXXX. I was told my mail was sent to the XXXX NY. It was changed for XXXX XXXX to XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: LA
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 noticed these collections reporting on my credit report. I do not have any connections with these companies nor did I ever do business with these companies. Please remove. Thanks

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 2020-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital one willfully refused to remove the late fee on my payment. My payment was postmarked XX/XX/2020 and it wasn't allegedly processed til XX/XX/2020. I called them the night of the due date which was XX/XX/XXXX around XXXX, because they had charged my account as late. I explained that this happened in XX/XX/XXXX or XX/XX/XXXX and it was resolved, and i informed them that they were in violation of title 15 for unfair practices, that i can't control what happens when mail leaves my possession, to note the account and i was told that they can not and their system doesn't work like that. After that, it was just a tennis match. I would refer to title 15and he would agree but then attempt to rebut what i told him. I haven't spoken with them since because I am tired of the slavery being inflicted upon me. I will never pay the card completely if they are going to continue with that behavior. I checked some of my old statements and i saw the same activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
USAA SAVINGS BANK- ( XXXX ) : Identity Theft USAA SAVINGS BANK- ( XXXX ) identity Theft I am in receipt of your company 's letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. 
Provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, and, are not entitled to enforce a claim against me. In the event, you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and Federal Trade Commission, and file a police report against you for harassment and invasion of privacy. 
You have 30 days to provide strict proof of contract. In the event, you can not provide strict proof of contract, you must cease and desist all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the State Bar Association and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: FL
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, XXXX XXXX am writing to complaints on wrong informatin on my credit report. Following addresses are inaccrate and not my current ot correct addresses : XXXX XXXX XXXX XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, NY XXXX, Following inquiries are on my report that were not applied for by me : XXXX XXXX XXXX XXXX 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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 this complaint to update this suspicious information. 3 Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-03
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Please block/remove these items : XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX .... Balance : {$2400.00} XXXX XXXX XXXXXXXX XXXX .... Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$510.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$570.00} XXXX XXXX XXXX of request XX/XX/XXXXXXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$100.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$520.00} XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX  ) # # # # # # # # # # # # # # # XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) # # # # # # # # # # # # # XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX Balance {$510.00} XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance {$98.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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:
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 XXXXXXXX - account number- XXXX XXXX XXXXXXXX - Account Number- XXXXXXXX XXXX - Account Number- XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account XXXX XXXX- Account XXXXXXXX XXXX- Account XXXXXXXX XXXX XXXX- Account XXXXXXXX XXXX XXXX XXXX- Account Number- XXXXXXXX XXXX XXXX XXXX  XXXX -Account Number- XXXX XXXX XXXX XXXX XXXX- Account Number XXXX XXXX XXXX XXXX XXXX- Account XXXXXXXX XXXX XXXX - Account XXXXXXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX- Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Account Number XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX- Account Number- XXXX XXXXXXXX XXXX- Account XXXXXXXX XXXX XXXX  Account Number 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 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 2021-07-07
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My current mortgage company is NewRez. My loan number is XXXX. My current interest rate is 4.875 %. I had been receiving mailings and emails about refinancing the loan at a lower rate. 

I initiated the process in XX/XX/XXXX. I was assigned a mortgage consultant XXXX XXXX XXXX # XXXX. At his request I submitted hundreds if not a thousand pages of financial records. Then when it came to finalizing the refinance Mr. XXXX would not return my calls or emails. I reinitiated the process in XX/XX/XXXX and reached out to NewRez. At that time they assigned a new consultant XXXX XXXX XXXX # XXXX to my refi. I lamented with Mr. XXXX my frustrations with Mr. XXXX and he assured me this time it would go much more smoothly. And for the first 2 days he was quick to respond. Just long enough to get my credit card # and advise that he was going to hold the info on file and would call me before running an appraisal on the property. I advised that due to very lown LTR I wanted to see if there was a waiver for the appraisal requirement. Mr. XXXX advised he would check and get back me. Less than 10 minutes after hanigng up with him i receive a notice that my credit card had been charged {$600.00} for an appraisal I had not authorized. I reached out immediately to MrXXXX XXXX but he would not return my calls. When he finally did, he acknowledged his mistake but stated he would 'make up for it ' by giving me a 1 % discount on the loan costs. I was a bit skeptical about this but wanted to finally complete this refi. I continued to reach out to Mr. XXXX to no avail. I was very frustrated and looked up the management team for New Rez. I first sent an email on XX/XX/XXXX to XXXX XXXX XXXX of the Service Dept summarizing my experience and request for some sort of resolution. When he did not respond I sent similar emails on XX/XX/XXXX to XXXX XXXX XXXX ( CEO ) and XXXX XXXX ( President ) in hopes I could get some response. None came.

After this, Mr. XXXX did call me back and apologized for being out of pocket. I was hoping we would finally finalize this process. Instead he asked me for more paperwork. 
When I asked specifically what paperwork he needed, he stated the last XXXX years business and personal returns. This was paperwork I had sent over on XX/XX/XXXX!. I told him at this point that I was done. I was too frustrated to continue with him or with NewRez. I researched the company on XXXX  ( should have done this before ) and saw numerous complaints of the same problem i was having. They would initiate the loan process and then just fall of the face of the earth. I told Mr. XXXX I wanted the {$600.00} credited back to my account. On XX/XX/XXXX he emailed that it was going tot take a few days. As of today, it has still not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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:
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 accounts need to be investigated and corrected for erroneous reporting in my file are listed on 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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