BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: UT
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section stats : 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 2020-02-24
Company: McCarthy, Burgess & Wolff, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received 2 phone calls and emails from McCarthy, Burgess & Wolff , Inc., phone number ( XXXX ) XXXX, individuals name is XXXX XXXX. I've returned the calls twice, the first time I instructed Ms. XXXX not to communicate with me and I refused to provide her with any personal information. The second time was today, XX/XX/2020 at approximately XXXX when it became obvious that she was able to identify me via unknown means. I have also received 2 emails from her claiming that I/we owe XXXX XXXX {$300.00}, she either could not, or would not, identify what it was we allegedly owe XXXX XXXX for. She refused to listen to me and repeatedly screamed and yelled a me as I was attempting to explain that we owe no one nothing. I freely admit that I screamed right back at her. She ended the first phone call when I refused to give her my name and ( I assume ) personal information. I ended the second phone call by explaining to her that I would " see her in court ''. I then replied to one of their emails demanding that they " cease and desist '' from all communication with me and/or anyone associated with XXXX/XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My home loan was former through XXXX. Everything was fine and I never missed a payment. My Escrow, Insurance and taxes were supposed to be all taken care off. Then find out after NewRez has my loan my payment went from {$1300.00} to {$1600.00} and is currently at {$1500.00}. 

They claimed my escrow was in negative. Which was news to me as I never missed a payment. It seems XXXX had done something and lost my escrow. I have proof from the title company that they paid the escrow for the first year. Yet despite showing proof they refused to accept any responsibility. 



I will provide proof in the document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXXXXX  n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Devon Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I will try to be brief ... On XX/XX/2017 around XXXX. I received a phone call from my girlfriend stating that an investigator was trying to reach me. She told me that he needed to talk to me about a matter that will be held downtown in court tomorrow. While on the phone with her, I received another call on the other line from a man who claimed to be a " Fraud Investigator '' for XXXX. He insisted that a fraud case was coming up the next day in court and that I needed to be present .. This was a lie and I found out that he was an employee for Devon Financial a XXXX. I then related to him that any XXXX i had was discharged with my bankruptcy. I also explained that I was a retired XXXX XXXX and what he was saying wasnt true. He became irate with that and proceded to call me a " XXXX! '' My immediate response was " What Did You Just Call Me? '' To which he responded, " You Heard Me! '' I then told him I will be making a complaint and hung up. Now this type of conduct is very unacceptable, unprofessional and above all " XXXX '' and needs immediate attention and more screening of your employees. I really look forward to hearing from your office regarding this matter. I thank you in advance. 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Repeated calls minutes apart to included people unrelated to me. Called to others unrelated to me at XXXX followed up with additional calls at XXXX. Harassing telephone calls and messages with threats. Nothing ever receiving in writing. Never states who they are or who the debt is owed to but calls not returned will start litigation. Calls from an XXXX that does not accept calls but told to call an XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
My problem began with Transunion Credit reporting that someone there was a " inquiry '' on my credit report. Since I had not authorized or requested credit I knew this to be false and no one was every authorized to pull my credit. Trying to fix the problem is a headache. 1 ) I was able after several trys and misleading information on Transunion 's web page to get a copy of my credit report and have spent time trying to file an investigation with transunion. 2 ) I was able to pull up my past inquiries without a problem to see what investigations I have pending ( none ) 3 ) I wished to start an investigation and as it states on their web page ; telling me to click on the link above if I wish to start a new investigation. Here lies the problem- there is no link to click on so their is no way to start an investigation to this illegal activity.

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 2021-01-25
Company: AMERICAN EXPRESS COMPANY
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 was involved in identity theft, forgery, false pretenses in 2017. Attached is Form 14039 Fraud Affidavit, sheriff 's report plus information on the person responsible. She is currently in a Mississippi XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 two credit card accounts with Capitol One. Both accounts I have had for many years. One of them around 8 years. I was having some very hard financial issues/problems and it caused some of my payments to be returned. They closed my account ending in XXXX. They then turned around and closed my other account ending in XXXX that had nothing to do with the account ending in XXXX. How is that even fair legal or possible. I called Capitol One regarding this and they were not help. Did not even try to help resolve the problem. How can they even do this. These are two selections accounts two separate credit lines two separate payment histories. So of I financed a car through them would they close my car loan account down and take my car back? This should not be allowed to happen. This has affected my credit tremendously being that this is one of my lines of credit with the longest history. I am also going to try to email the CEO of this company regarding this. This should not be allowed at all. There was no warning. No option to correct this within 30 days just a letter giving me no options but closure, unacceptable. I will be taking this as far as I can. Unacceptable to close one account based off of another that has nothing to do with each other besides the fact they are two accounts with the same company but two totally different cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Experian Information Solutions 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 have contacted all three credit agencies. They are in possession of the original police report, notarized FTC identity theft documentation ( XXXX ) and they are now have the most recent police report ( that the local PD said I should not be subject to filing ) along with the required FTC report for XXXX XXXX XXXX. Prior to XX/XX/XXXX there was no address of XXXX XXXX listed on my credit report. I have never lived there, never authorized any one to use my name to live at said address. This erroneous address and file continue to victimize me and my credit. I have been told that I need to provide ID to block said FRAUD. Why would I need to provide ID to either the Credit agencies whom will pass this information over to any reporting agency asking for it and allow them to validate a debt that is not mine. IT IS FRAUD for the credit companies to create this monetary reporting systems and they are apart of the reporting error. XXXX does not show the collection on my credit report from my login portal. However on yesterday XX/XX/XXXX when I called the representative verified there was a collection however it was not visible to me. I requested to dispute the information. he confirmed they had the police report etc. XXXX XXXX Systems is being assisted by the credit agency to ruin my stellar payment history and rating. Experian, XXXX & XXXX has continued to ask for PHOTO ID, pay stubs, insurance card and a list of others things to so called verify identity. There is a small disclosure that states " the information provided to Credit reporting agencies will be shared with the collections agency. '' According to the Dept of Justice there are some practices here that are not being governed and allowed to continue without the companies being held accountable

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 2023-10-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these accounts furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case!

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 2023-10-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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:
Please see the attached documents to understand what had happened.

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 2021-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2020 I received a letter from Capitol One stating the account number XXXX shown on my credit report was found fraudulent. Capitol One also stated they sent a request to the following credit bureaus XXXX, XXXX, XXXX, and XXXX to delete the above referenced acount from my credit report. The fraudulent account is currently still on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: EQUIFAX, 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:
Recently signed up for monitoring service in which I noticed an account on my file that does NOT belonging to me from company XXXX XXXX XXXX reporting a balance of {$660.00} This account is a fraudulent account as I am a victim of identity theft, I have attached further documents to explain Identity theft. This Account does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-12-27
Company: Incomm Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX at a XXXX as a XXXX present for my daughter, with a balance of {$400.00}. 
She used the card the next day online to make 2 purchases for about {$64.00}. We are waiting to see if these purchases complete. 
She has since being unable to use the card with transactions being declined by all subsequent merchants. 
I called the XXXX customer service number XXXX & spoke to a representative called XXXX on XX/XX/XXXX, & was informed that the card could not be used again until the initial XXXX transactions had cleared on XX/XX/XXXX, no explanation was given. 
I called again today to request a refund & have not been able to get through at all. 
I decided to call the CFPB to make a complaint ; it turns out that when on hold it is the same music playing at the CFPB & XXXX- this unfortunately adds to my suspicion that XXXX is not a legitimate financial organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have checked my credit report and saw items appearing that I am not aware of. I already have sent a dispute with the credit bureaus demanding to make an investigation and delete these items on my report but I have not received any response and this is a violation of my rights. Below are the items appearing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter datedXX/XX/2021 from Portfolio Recovery Services. They stated they were attempting to collect a debt from XXXX XXXX. The XXXX  XXXX debt they are attempting to collect on I am entitled to SCRA benefits on in accordance with the Ohio Revised State Code. I would like a verification of debt to include the list of charges and the amount owed. I can not determine whether the company is using my account for monetary gains that are not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The dates i started to write down are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX ( there were several more contact attempts/disputes that i deleted from XXXX ). Experian is reporting an incorrect balance on 4 student loans that have {$0.00} balances. I've called experian, I've submitted online disputes, as well as submitted a copy of the last statement showing the accounts are paid ( {$0.00} balance ). Experian has not done their job in verification of the information as they continue to show the wrong balances on the accounts. I've spoken with representatives and was lied to by the last rep who said the info was verified with the company XXXX. I've called XXXX and they confirmed the account has a {$0.00} balance. Experian is reporting I owe the following : {$5300.00}, {$7200.00}, {$5300.00}, and {$7400.00}. All incorrect! 

I've spoken with representatives and written emails to correct with XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The representatives ensured that the issue would be corrected on their end, yet its still showing up on my credit report and causing issues with me purchasing a car as well as a house. Please correct this incorrect information. Thank you.

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