BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: PLAZA HOME MORTGAGE, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Was on forbearance until XX/XX/2023. Applied for mortgage modification. Was approved after agency took over 30 days to respond. The agreement received had incorrect spelling of husbands name. Reported it asap and too over 14 days to receive new agreement. Notorized agreement but was not accepted by mortgage company because second las name was written as an initial and not written. Was not aware until I spoke to relations specialist XXXX XXXX, because I never even received a letter. New agreement received and sent back notorized asap but was rejected once more because they could not differentiate a letter on my husbands written name. Now they are not explaining what I should do next as I am entitled to this modification that was already approved. So far I have not received anything in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 
10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXXccount Number : XXXX Please remove this inaccurate information from my credit report. 
13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
15. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXXXXXXXXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a care credit card and never missed a payment to pay for some of my medical bills. The minimum amount every month they request is XXXX dollars a month which I always pay over the minimum every month. On XX/XX/2023 care credit charged me the interest of {$100.00} after I made my forty dollars monthly payment which I paid over the minimum due. 

I contacted care credit via- online chat on XX/XX/2023, and spoke with representative XXXX XXXX XXXX told me he would reverse {$100.00} only if I paid off my full medical credit card today under the particular promotion. I told XXXX " I always make my payments on time and also pay over the minimum. '' I told XXXX how can I ever pay off my care credit card if you are increasing my interest to {$100.00} monthly. 

I don't work ; I am permanently XXXX on social security. I use my care credit card for my XXXX XXXX medical injections. I value my credit and always pay on time and never late. 

What is going on? Why does the interest rate change monthly on the same balance?

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 2022-11-08
Company: EQUIFAX, INC.
State: AZ
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:
To Whom It May Concern : You are reporting inaccurate and/or incomplete information concerning me in consumer reports. 
Your conduct has caused me distress and financially harmed me with costs and loss opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I went to ace loan to get a loan for a unexpected financial crisis and all was provided and qualified except for a copy of check they wanted from me which I asked my bank doesn't issue paper checks but will generate one and email it but wasnt an option so on the document I signed to file there was to options to verify and it was check or debit card verifications option which was stated on the form I signed and they refused to provide verification that way even though that was my option stated in black and white and then was told well that isn't an option in California I responded well it was false advertising misleading there should be verbage indicating that California is not incuded and even showed the employee there was no such description which should be illegal! And they denied my loan when clearly met all required income and docs except check and my alternative options that I was lead to believe i had I didn't have all of a sudden I felt profiled and it eas quite an embarrassing event she put me threw

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
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: Account information incorrect

Complaint:
Reporting information incorrect

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 2023-01-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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 am a victim of identity theft and have a current police report currently on file with Chex Systems. The following inquiries viewed by others and only by you currently listed on my Chex Systems XXXX Report ID : XXXX are fraudulent and unauthorized inquiries : XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. The inquiries arent my inquiries. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/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 2022-11-08
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: AZ
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:
To Whom It May Concern : You are reporting inaccurate and/or incomplete information concerning me in consumer reports. 
Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 

The following tradeline ( s ) you are reporting concerning me is/are inaccurate and/or incomplete :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions 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:
On multiple occasions, I have asked for the credit bureaus to stop violating my rights and privacy. I have not received an acceptable resolution with either attempt. Instead, the credit bureaus are not ignoring my legal rights. Because of their decision to ignore my rights, I am mentally, and physically " SUFFERING ''. I have gone into a deep XXXX, gone into escalated levels of anxiety, developed elevations in my XXXX XXXX, and gone into severe distress and embarassment due to the stress that this is causing me. 

Nearly every single day of my life, I am being harassed by phone, texts, direct mail, social media direct messages, an by collection agencies sending individuals to my home and/or work with the attempt to serve me with lawsuit paperwork. Going through this has caused my life to be a very painful, and sad life to live. This violation of my rights has to STOP! It is affecting my quality of life and is making me mentally and physically sick. I beg of you, PLEASE respect my rights based upon the Fair Credit Reporting Act. 

The credit bureaus are reporting the companies listed in this complaint without my written permission, without my written consent, and without my written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with my written permission, written consent or written instructions to report these items on my credit report. They are breaking the laws set in place by the Fair Credit Reporting Act. 

They have broken the following Fair Credit Reporting Act laws : 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 Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. 

I would like all negative information reported by or from each of the following companies permanently deleted from my credit reports immediately : 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 2022-01-22
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:
There is a derogatory medical collection that has been placed on my XXXX and Experian consumer reports without my consent. I did not give my permission for this to happen. The alleged debt is {$750.00} placed by XXXX XXXX XXXX. They have an incorrect address on my report and I have not been able to contact them.

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 2019-12-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It's not my account, i never applied for this company.

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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 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.

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX Acct # 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 2023-04-13
Company: EQUIFAX, INC.
State: PA
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:
According to the FCRA Equifax has been falsely manipulating the statute of limitation which is an FCRA violation 1. This account has a discrepancy in the payment history section of the listing ; XXXX XXXX XXXX XXXX How is Equifax reporting on-time payments until XXXX XXXX 30 days late XXXX 30 days late XXXX is 60 days late XXXX is 90 days late XXXX is on-time XXXX is on-time XXXX is 30 days late and XXXX is 60 days late? Payment history must be reported in the order of 30 days late 60 days late 90 days 120 days 2.This account has a discrepancy in the payment history section of the listing ; XXXX XXXX How is Equifax reporting XXXX XXXX 30 days late XXXX XXXX days late then reporting XXXXXXXX XXXX 90 days late in XXXX 60 days late and in XXXX 90 days late? Payment history must be reported in the order of 30 days late 60 days late 90 days 120 days 3. This account has a discrepancy in the payment history section of the listing ; XXXX XXXX This charged-off account is reporting payment history each month when should it not since the account has been charged off 4. This account has a discrepancy in the payment history section of the listing ; XXXX XXXX How is Equifax reporting XXXXXXXX XXXX 60 days late XX/XX/XXXX on time XXXXXXXX XXXX 90 days late XXXX XXXX 120 days MXXXX XXXX 120 days XXXX XX/XX/XXXX on time? Payment history must be reported in the order of 30 days late 60 days late 90 days 120 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: DISCOVER BANK
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 a Discover Fin Svcs account for {$4600.00} reporting on my credit, that is not my account. XX/XX/2019, I submitted ; FTC report, police report along with a personal statement from myself to XXXX. I checked my XXXX  online account on XX/XX/2019 and I had received a confirmation from XXXX that, they have received my documents to dispute Discover Fin Svcs. On XX/XX/2019 XXXX removed Discover Fin Svcs from my credit file. Has of XX/XX/2019, Discover Fin Svcs has been resubmitted on my credit profile. On XX/XX/ at XXXX I talked to XXXX ( XXXX XXXX, Supervisor ) with XXXX  and I was told ; Discover Fin Svcs never did provide them with any type of proof, but Discover Fin Svcs did say that the account was my account and XXXX has no obligation to verify that the information being reported by Discover Fin Svcs is accurate. XXXX refused to help me with this item reporting on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2018 I sent in a dispute letter to XXXX asking them to provide proof of verification as to how they verified the bankruptcy on my credit report. I never received a response from either party regarding proof.

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 2019-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
My Capitalone venture credit card was closed around XX/XX/2019 without letting me know.I was at a store trying to make a purchase, when the card didn't work.I called Capital one and they told me my card was closed and didn't give me any reason.I have always had a good standing with the company and always paid my balances in full. 

I also had {$400.00} + of rewards points left in my account which I was going to use for flight tickets around XXXX. Capital one only gave me half of that. 

I think its cruel for Capitalone to cancel my card without prior warning.I was shocked a company would do this around XXXX time when people travel a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent convergent a debt validation letter on Date : XX/XX/2018 Delivery Confirmation : XXXX XXXX XXXX XXXX XXXX ( letter attached ) for an account listed on my credit report. I received a letter on XX/XX/2018 ( letter attached ) with no attached contract, mutual agreement, or anything that validate the debt they say I owe them.On XX/XX/2018 ( letter attached ) they sent another notice out saying this debt is valid and attached is verification of the debt which they did not provide debt validation.They attached a service agreement that do not have convergent name on it at all.According to Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. I requested validation made pursuant to the fair debt collection practices act and the fair credit reporting act, along with the corresponding local state laws. I requested validation that is competent evidence bearing my signature, showing that i have or ever had some contractual obligation to pay them. They is in violation of fair debt collection practices act ( including but not limited to section 807-8 ) and violation of the fair debt collection practice act ( including but not limited to section 623-b ) The legal definition of verification which requires a sworn testimony under penalty of perjury in other words and affidavit, false affidavits is violation of fdcpa. They totally ignored my request and need to delete this information off 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 2023-06-18
Company: EQUIFAX, INC.
State: TN
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:
My information was stolen a while back and I was a victim of ID Theft. I submitted the required documentation according to the FCRA section 605B. However, the credit reporting agencies failed to block the fraudulent accounts and treated my block request as if it were a dispute. It's not a dispute, it's a block request.

Company response to consumer: Closed with explanation