BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
My informations shows with the company capital one legal action pending even though I have been set up and paying a payment plan for the past year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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:
I just reviews my credit report and want to make sure everything is reporting 100 % accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 

XXXX : XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXXXXXX XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX XXXX

TO WHOM IT MAY CONCERN
I recently received a copy of my XXXX  credit report, 
and I noticed a late payment  posted on my credit report for the company below:
XXXX XXXX  ACCOUNT NUMBER XXXXXXXX
LATE PAYMENT DATE XXXX  
Your company is in clear violation of the law. Under 15 USC 1681b- Permissible 
purpose of consumer reports. The LAW CLEARLY STATES:
(A) In general
Subject to subsection (c) Any consumer reporting agency may furnish a 
consumer report under the following circumstances and no other:
(2) In accordance with the written instructions of the consumer to whom it 
relates.
I did not give any written or verbal consent to furnish this information on my report.
Furthermore, the fair credit reporting act 15 USC 1681 (2) (a) (i) exclusion from a 
consumer credit report clearly states
(A) EXCLUSIONS- Except as provided in a paragraph (3), the term consumer 
report does not include - 
(A) Subject to section 1681s-3 of this title, any - 
(I) Report containing information solely as to transactions or experiences 
between the consumer and the person making the report:
Reverse the above late payments from my consumer report, this agency is in 
violation of 15 USC section 1681
Failure to respond satisfactory with reversing of the above referenced account, 
and send out a free copy of my report after the changes have been made will 
result in legal actions being taken against your company, for which I will also be 
seeking $1,000 per violation for:
1. Defamation of character (per se)
2. Negligent Enablement of Identity Fraud
3. Fair Debt Collections Practices Act 15 USC S 1692g violations
4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliances616 Civil liability for willful noncompliance [15 USC S1681n]
Best Regards,

XXXX XXXX XXXX XXXX XXXX XXXX IL 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 2017-07-16
Company: EQUIFAX, INC.
State: MO
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:
On  XXXX / XXXX /2017 I received a letter in the mail from   XXXX   XXXX   XXXX   XXXX   for reasons unknown to me! I do not do ANY business with this institution! I opened the letter and it stated that i had made a recent application for a deposit account. I have done NO SUCH THING! I have never opened Or filled out any application for them! I DO NOT know how they even got this information. It says in the letter a credit score and soft inquiry have been made. None of which I did or gave anyone permission to do ...
<P/>
I do not know why this is happening I know this company is in the news for setting up fraudulent acoounts and I am positive this is what has happened to me! I do n't want this to affect me negativly with credit agencies but they have no right to open any account or get a credit report when i havent asked for it!
<P/>
The letter is from   XXXX   XXXX   XXXX   XXXX  .   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , SD Please make this company remove my name from their data base and remove any incorrectly reported info from my credit report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-16
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On   XXXX   XXXX  , 2017, I called Consumer Services Early Warning Services about receiving my report and placing a security freeze on my report. They told me they do n't do security freeze even though they are a reporting service. This is a violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-16
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I received copies of my credit reports and saw that there were inquiries on there that I did n't authorize. I called all  XXXX  of the bureaus (  XXXX ,  XXXX , and experian ) and they all told me the same thing that they are n't authorized to remove those inquiries that I had to call the companies in which the inquiries came from. Well, I did that and the companies referred me back to the credit bureaus and they told me once again that they are not authorized to change anything. It 's been a lot of back and forth and I am not satisfied with this.

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 2019-01-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage provider changed from XXXX XXXX   XXXX to Select Portfolio Servicing inc. in XX/XX/XXXX. Since then SPS has sent me a letter every month fraudulently rasing the interest rate over and over again ( 30 letters as of XX/XX/XXXX ). Every letter is the same ( see attached ) and it states : begin quote : INTEREST RATE : We calculated your interest rate by taking a published " index rate : and adding a certain number of percentage points, called the " margin ''. Under your loan agreement, your index rate is 2.33167 % and your margin is 3.10000 %. Your index is 1 YEAR TREASURY CONSTANT MATURITY AVERAGE RATE and is published MONTHLY BY THE FEDERAL RESERVE BOARD. 
end quote : My interest rate never increased with XXXX XXXX ( 3.51 % XX/XX/XXXX ) but ever since SPS took over they've been fraudulently raising the interest rate over and over every month ( 5.43 % XX/XX/XXXX ) and above what it's supposed to be at the current ARM rate. This company is taking advantage of me and fraudulently over charging me. SPS will not stop fraudulently raising my interest rate every month and will keep doing it to take advantage of me. My ARM rate needs to be corrected and adjusted to correctly reflect the current ARM rate. 

SPS fraudulently increased my mortgage payment from {$1300.00} to {$1400.00} on XX/XX/XXXX. Again they increased my mortgage payment from {$1400.00} to {$1500.00} on XX/XX/XXXX. Again they increased my mortgage payment from {$1500.00} to {$1600.00} on XX/XX/XXXX. In a matter of 3 years my mortgage payment has increased {$240.00}. My interest rate is not being correctly adjusted and this needs to be fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
As I make payments to principle to pay down my debt more rapidly, Navient raises the interest rates on the private loan to offset the difference in interest they receive. In the past year they have raised my interest rate more than 2 % in direct relation to my principle being lowered by extra payments. I did call them to ask why my interest rate was so high and they did the additional payments as a reason for my rate hikes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
There are numerous items listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$350.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX. Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry 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 2021-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Bank of America made a Typo in my SSN number entry that led to incorrect SSN number update in XXXX XXXX and XXXX records. 

This further caused issue in my Federal Refund that is now delayed, IRS issued letter XXXX which requires me to verify my id on XXXX that uses XXXX for reference and the online ID verifications are failing. 

I suspected and then got the typo in my SSN corrected at Bank of America on XXXX XXXX, and also raised individual dispute cases with XXXX XXXX & XXXX , however my SSN data have still not been corrected. XXXX XXXX dispute notification now incorrectly states 'The issue date of Social Security number that you gave us when you contacted us is not verified by the Social Security Administration ', while infact they did not ask me for this information during my phone call with them, and the documents that I have uploaded for them are scanned copies of my original SSN card, W2 and my license. 

I am now unsure if it is a BoFA problem or XXXX, and they are making me go pillar to post without taking full accountability to correct my personal information in their records.

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved 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

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be deleted : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2023-01-18
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On the morning of XX/XX/2023, I applied for a Citi Bank AAdvantage Platinum Select card to purchase my upcoming flight in XXXX. I was immediately approved, and as I clicked " continue '' to access the next page, which would have my temporary card information to use to purchase my flight, the website stopped working- on Citi Bank 's end - and had a line about not accessing the page. I couldn't reload or access the page again in any way. I did receive an email confirming my approval and my credit limit and that the card would be at my house in 7-10 business days. But no information about the temporary number. I asked for help on the online site, and they pointed me to customer service via the phone. I called and asked for help with getting access to the credit card information to purchase this flight, and was bounced around to three different people, none of which could help. I asked again online, and was given a different number for help, and I was lead to another person who told me that the temporary credit card information could not be seen on their end. 

I have 24 hours to purchase my flights. I have no credit card information for a card I applied for solely to purchase the flight based on their advertising. I am extremely upset and inconvenienced by this. I hope that I can continue to reserve/hold the flights, but the amount of the tickets will likely rise each day. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not know if I this is a direct violation, however I don't think Citi Bank should benefit on this deceptive practice. It was advertised that I would be able to buy the flight for {$200.00} less ( with the statement credit I would receive with getting the Citi Bank AAdvantage card ), however now I will not get that statement credit since I can not use the card to purchase those exact tickets. I WOULD NOT have applied for the card if I couldn't use it that same day to purchase my flight.

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing this letter to urgently bring attention to the fraudulent personal information linked to my identity. I noticed certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. Regrettably, I have become a victim of identity theft and have taken immediate action by reporting the incident.

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 2023-10-05
Company: EQUIFAX, INC.
State: NY
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 is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$670.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: EQUIFAX, 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: Reporting company used your report improperly

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

Account name : 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