BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-12
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I disputed the date and amount that was stated on my credit report by XXXX XXXX. I asked that the date and amount be invested because it showed an open date of XXXX. They claimed to have investigated the amount and change the balance to XXXX, but they left it on my credit report. Yesterday I checked my credit report, and it dropped from XXXX to XXXX. I can only assume XXXX XXXX is now XXXX XXXX XXXX and they are falsely reporting the amount and dates. It states I opened the account in XXXX. I never applied or signed a promissory note for any loan in XXXX. I tried calling the number on the report but it's out of order. 

I never received any documents from the credit bureaus on the results of their findings regarding the investigation, but this information is inaccurate. I would like to be provided with the original documents as proof, but the bureaus have not provided me any information. They ruined my credit by reporting false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-03-06
Company: Experian Information Solutions Inc.
State: SC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 explanation
Consumer complaint received 2023-07-11
Company: AXOS FINANCIAL, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am writing to complain about how Axos Bank, doing business as XXXX XXXX, acted in bad faith by not alerting me to important changes regarding the rate of return of my Savings account. 

In XXXX of 2022, I opened a Savings account at XXXX XXXX. There was only XXXX savings account offered, and it was called XXXX XXXX. My online statement was simply labeled Savings, not XXXX XXXX. Even as I write this letter, nowhere on my online statement does XXXX XXXX appear just Savings. 

As the XXXX  started to raise interest rates, XXXX  website continued to herald their increasing Savings account rate which, I assumed, my account was earning. But in an obvious slight-of-hand, at some point as rates were increasing, they changed the name of their XXXX account from XXXX XXXX to XXXX XXXX, which was the only savings account paying the advertised interest. I was never alerted to this and neither the name XXXX XXXX or XXXX XXXX appears on my statement just the word XXXX. 

I had no way to know that even though the bank did not even offer XXXX XXXX accounts to new savings clients, they simply kept my account as a low-interest XXXX XXXX account, earning only a little over 2 % ( the rate when the account was opened XXXX months ago ) instead of the ever-increasing rates of return they offered on their newly named XXXX XXXX accounts over the last XXXX months. As rates have almost doubled in that timeframe and with almost {$250000.00} consistently in that XXXX XXXX account from the start -- the lost amount of interest I should have been paid is significant. 

Changing the name of the savings account which paid the ever-higher interest rates without alerting me or making it obvious on their website is deception of the worst kind. It was both deceitful and unethical. The least they could have and should have done is to alert me to this change, and give me the opportunity to switch to the higher yielding XXXX XXXX. 

When I recently discovered all of this, I demanded they retroactively pay me the interest I was entitled to and they refused. I believe Axos bank, XXXX XXXX XXXX, should be held accountable for their actions and ordered to pay me the interest my account rightfully should have earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
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:
this is my second request, and the 2nd time that i am sending a copy of my social security card and my driver license along with my FTC report to Experian for my complaint due to identity theft

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 2021-03-30
Company: Novad Management Consulting LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I filed an insurance claim and an XXXX came to my home and the insurance company gave me {$7900.00} to fix problem. Because of health issues with mold and mildew I hired a XXXX. I sent the insurance check on XX/XX/XXXX XXXX overnight ). Novad was so slow in sending first payment it was a health hazard.Because Im XXXX XXXX XXXX and took the reverse mortgage for additional income. I borrowed {$38000.00}. From my son and put {$3000.00}. on my XXXX charge I paid out of pocket for the plumber. They told me I needed an inspection at 50 %. I did that and they havent gotten the report from inspection They said after they received the report it will take another 30 days for second check.In a few days it will be 100 % done and ready for final inspection XXXX only knows when Ill get that check. Im now paying interest on My XXXX account If Hud is so worried about my home being fixed why dont they give me remaining money.Seniors who do Reverse Mortgage do it because they need money. If not for my son and my XXXX account Id still be living with the mold and mildew. My insurance company couldnt believe that a check this amount they didnt pay the whole amount When i talk to representative of XXXX the tell me theyre just following procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
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:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: HYUNDAI CAPITAL AMERICA
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Hyundai Motor finance should remove all negative payment history from my credit report. I was the co-signer on acct that was now paid by me. Its still hard for me to purchase vehicle I want and deserve due to this acct that the primary holder left with 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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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.

has violated my rights. Or list of inquiries 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 2023-03-06
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: Reporting company used your report improperly

Complaint:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX {$780.00} 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 explanation
Consumer complaint received 2023-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I have two credit cards issued by Capital One Bank ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, and Capital One Quicksilver Card XXXX. I've had the Capital One card for nearly 5 years, and the XXXX 's card for nearly 2 years. I have never missed a payment on either of these cards. In XXXX, 2023 I received letters that these accounts were now closed, with the only reasoning cited being " Capital One has discovered adverse past or present legal action involving an individua or entity associated with the account ''. I called Capital One Customer Service in an effort to get additional information and was told that they could or would not give any, and that I should check with my County Court to get further information. I did just that, and could find nothing that would prompt Capital One 's action. Moreover, I have other credit cards through XXXX, XXXX, XXXXXXXX XXXX, and others ; and none of them have taken this course of action. In Mid XXXX I received a Notice of Data Breach, from one of my creditors, indicating that in XX/XX/2023 suspicious activity was discovered in their systems and that information had been compromised. Law enforcement, including the FBI, was brought in and the investigation is still in progress. Because of this I was offered complimentary credit monitoring and identity protection services. I have little doubt that this issue is associated with Capital One 's actions. Unfortunately, they won't give me the information necessary for me to research the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, 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:
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.

According to : 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.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I have made several attempts to have this issue resolved. I Certified Mail was sent on several occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: NC
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:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : THE XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.

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 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called all 3 credit bureaus and was told to send in all my documents to sow that i had fraud committed against me.So i sent everything in and i still see the accounts on my credit I then call the documents in a 2nd time to make sure they have receive them I was told them and was going to have accounts remove

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 2023-05-29
Company: Experian Information Solutions Inc.
State: NC
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:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : THE XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25
Company: EQUIFAX, INC.
State: AZ
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:
The XXXX XXXX  account showing up on my report for {$90.00} is incorrect. Ive never had service with this company. I disputed with both bureaus but it came back as verified. This account is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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: Information belongs to someone else

Complaint:
I reviewed my credit report and noticed some inaccuracies. It appears to be fraudulent accounts that are reporting inaccurately on my credit report. A company by the name of XXXX XXXX XXXX is listed on my credit reporting stating that I owe their company {$120.00}. I reached out to this company and asked for validation of the debt, and I requested for this account to be verified showing that I am the person that is truly responsible for this debt. I never received any information showing that I was truly the person responsible for this debt. They are harassing me {$120.00} that I don't owe. Pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) if this company claim that I owe them, and they must valid the debt. In addition, I am being harassed. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

I am requesting assistance with this fraudulent account.

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 2022-08-17
Company: EQUIFAX, INC.
State: IN
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2019-08-29
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Lanier Collection agency continues to report on my credit {$210.00} for agency XXXX XXXX    XXXX, the original creditor. The latest being submitted on XX/XX/XXXX. I first included this bill collection in my XX/XX/XXXX Chapter XXXX Bankruptcy filing. When modification was necessary to add additional bills was granted by the courts, this same bill was resubmitted in the new Chapter XXXX filing in XX/XX/XXXX. However, Lanier Collection agency constantly report this bill collection like it is a new collection. Numerous times I've disputed this collection with XXXX   after I realized what was happening, but Lanier Collection agency keep reporting this same collection to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: BANK OF THE WEST
State: CA
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:
I had a dispute with " bank of the Bank '' on one of their credit card transactions which they were not resolving. I always paid my card on time and took great care of my Credit card, in return as a revenge because I took them to the court they closed my Credit card. ( Please see attached letter I received from them ).

In this country if you will take a credit card to Court you will end up getting your credit card closed. This is such a cheap Credit card company and Bank, I never expected this out from them. I am really surprised, how can they do this with 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