BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-14
Company: AES/PHEAA
State: IL
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:
Hello my name is XXXX XXXX XXXX XXXX. I am a private personal consumer submitting a complaint concerning me being a victim of identity theft. My personal non public information was shared by XXXX, XXXX, and XXXX, without my full disclosure or written consent. My personal right to privacy has been abused and violated under the XXXX XXXX XXXX act of 1999. These violations have compromise my non public personal information and resulted in my identity theft. I demand all accounts listed below be removed in the next 5 business days as stated under law. XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: EQUIFAX, INC.
State: IA
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:
I was a victim of ID theft earlier this year when somebody filed a tax return that was not mine. I have since been having problems with Equifax allowing me access to my credit an at the login myequifax.com. I also can not freeze or unfreeze my credit through the website, or by speaking with a representative. 

During multiple attempts they repeatedly tell me my account is locked and they will send me a letter in 7-10 business days explaining. The letters have been standard boiler plate type letters that do not provide a clear path to resolving the issue. 

I have sent in a letter requesting to have my identity verified including my Drivers License, SSN, Utility bill. One time I never heard anything back from them. A month later I called and they claimed the copies of the information I sent were illegible. These were perfectly readable, blown up copies of my documents. I sent another letter to them with the same information and once again never received anything back. 

Another problem is that I can get through the automated phone system to freeze or unfreeze my account ( which I did not discover until many hours of dealing with them telling me I could do nothing. ) using only my phone number, ssn, house number and zip code. I am fearful that without actually being able to login to their site to see my personal information and control my credit at will I will be put in a situation when I cam locked out completely due to accidentally entering a piece of information incorrectly. 

It seems that their system has my account black listed or red flagged to so that any single invalid attempt or inability to answer an arbitrary question dating as far back as 20 years locks me out. When they ask questions to verify my identity they ask questions that I would have to dig through my old records to get the correct answer. They refuse to give any type of assistance such as " this question relates to your " 1998 car loan '' so that I can quickly research. And then once I answer they shutdown and refuse to go any further. 

This process with this company has been very frustrating and as a consumer I should not feel I am held hostage to this cor poration that I do not even do business with. They literally control whether I can get a loan for a car or house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
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: Account status incorrect

Complaint:
On XX/XX/2023, I remitted a payment via telephone with an agent. I made a payment via check. I inquired about the days of delinquency, I was told by the agent that at the time of payment that the account was at 29 days. She further stated on a recorded line that my account was not in jeopardy of being reported to the bureau as I was making a payment in time. 

Two days later, I received an alert from credit karma stated that my account was more than 30 days late. I trusted the agent was knowledgeable her job and able to accurately provide the correct information to me as a cardholder.

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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2300.00}, XXXX XXXXXXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$6800.00}, XXXXXXXX XXXX XXXXXXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$7900.00}, XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance {$1000.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$11000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX, XXXXBalance {$4700.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5600.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$3300.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$3000.00}

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 non-monetary relief
Consumer complaint received 2023-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off 4 retail credit cards with high interest rates in XXXX, 2022. Both XXXX ( XXXX XXXX ) and XXXX ( XXXX and XXXX XXXX ) removed the residual interest but Capitol One representing Walmart did not. The original residual interest was {$41.00}. Capitol One has added {$39.00} as monthly late payment fees since then. Currently, the amount due is {$150.00}. I contend the late fees are nothing more than the junk fees discussed in one of your recent reports. Additionally, Capital One submitted a negative report to the credit agencies and my XXXX score dropped from XXXX in XXXX to XXXX currently. I saw a CFPB report on the credit bureaus and their improved self policing. I beg to differ. Please share my input with XXXX, XXXX and XXXX. My expectations are that Capitol One retract their demand for residual interest and retract their negative report to the credit bureaus thus restoring my positive credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: IL
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:
There is information on my consumer report that a result of identity theft I saw that I had some unauthorized inquiries, and I do not know where they came from. I believe I am a victim of identity theft, and these inquiries are hurting my credit report. I am in process of purchasing a home for my family and this is hurting my chances of being approved. Please remove the listed inquiries that I did not authorize. 


Experian XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-14
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts 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 Balance : {$14000.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts 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 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 2023-06-13
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:
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. 

The letters are stated with items and issues. 

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 explanation
Consumer complaint received 2021-06-19
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:
There are accounts on my credit report that were open fraudulently by a former partner who was abusive towards me. These accounts are reporting on my credit report with XXXX, Equifax, and XXXX  and want them remove as I never consent for the accounts to be open. Having these accounts on my credit report cause me XXXX  and traumatized me since I was a victim of domestic  violence as well as identity theft. The accounts reporting on my credit report include : XXXX XXXX  XXXX account shows paid off XXXX XXXX XXXX account shows paid off XXXX XXXX  XXXX XXXX account shows paid off XXXX XXXX XXXX- account shows paid off XXXX XXXXXXXX XXXX XXXX  and XXXX account shows paid off XXXX XXXX  XXXX which was formerly own through XXXX XXXX - collections XXXX  XXXX XXXX - Balance of XXXX XXXX XXXX- Original debt XXXX was paid off XXXX XXXX  XXXX Amounts of XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX, 2019, the property associated with this mortgage was placed on the market to be sold. On XXXX XXXX, two days later, the property was placed under contract with the closing date set for XX/XX/2019. At this point, the lending agency, Rushmore, was contacted to ensure closing protocols were in place. An inquiry was made concerning the upcoming XXXX mortgage payment. We asked if the final payment that would be made upon closing would suffice in lieu of XXXX 's mortgage payment. We also asked if this would create a negative report on our credit. We were assured by Rushmore that the final payment upon closing would be acceptable and that no negative report would be made showing a missed payment. As such, a final payoff amount was requested to complete closing paperwork. However, Rushmore failed to submit the final payoff as requested by both the loan holder and the closing attorney. This resulted in a delay in payment. Upon closing, the closing attorney secured an anticipated payoff amount from the purchasing lending agency and held all funds awaiting Rushmore 's response. Numerous requests were submitted by both us ( the loan holder ) and the closing attorney. We were informed by Rushmore that the payoff amount could not be emailed nor provided over the phone. It had to be faxed, which they failed to complete. After weeks of repeated attempts, the secured payment that was being held was finally made and we were assured that any overage would be reimbursed. In addition to the delay, Rushmore, in turn, reported missed mortgage payment ( s ) causing a negative impact on our credit score. As of recent, we are still receiving notices and mail at our current address offering assistance with our missed mortgage payment ( s ). This is quite disheartening since the advanced notice was provided. We have never missed a mortgage payment. Throughout the duration of this loan, we have included additional money in attempts to repay this debt in advance. We have worked hard to maintain an upstanding credit history and feel that the reporting and current credit score does not reflect the efforts we have put forth. We have contacted Rushmore on several occasions and have been assured that our file will be noted to reflect the most accurate information. However, little effort has been made on their behalf to depict accuracy in this matter. We are requesting reparation be made to ensure our credit score to repaired to reflect our diligence towards this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Someone is using my personal information for a PayPal account. The suspect name is XXXX XXXX and is using my email address for unauthorized use of an account. PayPal refuses to fix the issue. The issue was first noticed back in XX/XX/2018, and the issue persists after contacting PayPal to suspend/close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: Better Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I initiated a cash out refinance with better Mortgage on XX/XX/XXXX. I was initially told I prequalified and was given a rate table to choose from. I chose to conduct a cash out refinance with XXXX out and at a 3.375 rate. I had an appraisal from a previous refinance the company told me they would use. They then told me they required an appraisal which they conducted at no cost to me. I was told numerous times along the process that my loan was in good standing and would close following receiving the title. The title took months to get back, and came back with a clear title. Finally this week 2 days before my scheduled close with the company I received a call from better telling me they would have to cancel my loan. They told me that it was on the market 6 months prior to initiation of this loan and that was missed by their original underwriting team. This was fully disclosed to them in the documents they had me read and sign for the loan. They told me they could not make an exception and that they could not fund the loan. They suggested I wait a few days ( at which point the 6 month timeline would pass ) and I could apply for a new loan. 

I asked if I applied for a new loan after my 6 month period ended would they honor the cash back and rate they originally locked me in at. They said no, the only concession they could make is {$500.00}. This process has strung me along for months and my family and I have made financial decisions based off the funding of this loan, only to have them try to deny it at the very end. During the time the mistake that their original underwriters made as well as the slow title company, rates have gone up half a point. If the company wants me to apply for a new loan in a few days they should honor what i locked in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I attempted to file a dispute with Equifax but was told that I had previously disputed the same information with Equifax. However, I was not given any information surrounding their dispute. 

I want records in writing of how their dispute was conducted. I want to know in what method they conducted their investigation and if information was " verified '' I want to know how that information was verified. Equifax simply responding that they communicated with the alleged debtor will not suffice, I want to know what day they called the alleged debtor and what number was called. I want to know who they spoke with and if it was not phone communication, I want to know when they mailed correspondence to the alleged debtors. There are still multiple issues with my consumer report that is a hinderance to me that Equifax has stopped responding to my requests for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Collection Management Holdings, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This morning I woke up to check my bank account. I realized my credit score had gone from XXXX to XXXX overnight. I viewed my credit report and was a {$900.00} debt I owed. I called the lender they did get my social security number. I asked them where the charge was from they said it was medical. I then asked what name was the hospital called. He even spelled it out for me multiple times. XXXX XXXX. Never in my life have I gone to a hospital named that. I ended up googling XXXX XXXX  and a hospital in Ohio popped up. I live in Virginia, Ive never even been to Ohio. I kept telling him please explain why Im getting charge for something out of my state. He started getting frustrated he said if I dont pay my debt hes going to get the police involved. He hung up on me. A couple minutes later he called me back trying to get all my personal info once again. I kept telling him Ive never been to that hospital and he literally goes well what hospitals have you been to? I asked him why he would ask that I told him he sounds like a scammer and he hung up once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
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: Card was charged for something you did not purchase with the card

Complaint:
I have a recurrent monthly charge being placed on a Bank of America credit card from XXXX  for {$19.00}. This has occurred for 3 years. We have repeatedly call and filed a fraud alert with BOA and XXXX  has repeatedly said we have no account with them. So far BOA has not refunded these fraudulent charges and suggested we contact your site.

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 2023-10-08
Company: Experian Information Solutions Inc.
State: FL
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 have been having an on going issue with this collection company " ENHANCED RECOVERY ''. THIS DOES NOT BELONG TO ME I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. I ASKED THIS COMPANY TO PROVIDE ME WITH A " DEBT OF VALIDATION LETTER '' AND THEY WERE NOT ABLE TO SEND ME ANYTHING BECAUSE THEY COULD NOT PROVE THAT I DID BUSINESS WITH THEM. THEY CAN NOT PROVIDE ME WITH ANY DOCUMENTATION WITH MY WET SIGANTURE AGREEING TO ANYTHING WITH THEM. FOR THESE REASONS ALONE THIS MUST BE REMOVED ASAP! THIS IS ILLEGAL AND YOU ALL ARE VIOLATING MY RIGHTS AS A CONSUMER PER 15 USC 1681B.

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