BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2020-03-11
Company: FRESNO CREDIT BUREAU
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company continues to refuse to provide verification of their debt allegations. They state they sent identity theft verification packets. I have never received any identity theft packets from them. I have repeatedly written and called saying I know of nothing that supports their allegations that I owe them anything. Further upon speaking to them on recorded line they stated to me this record of my date of birth, this was incorrect.All three credit agencies are reporting my identity theft yet this organization refuses to acknowledge this and provide me with their verification.This is not my debt.The continue to illegally report derogatory marks upon my credit having NEVER verified nor provided to me what has been asked of them to compliantly do as was stated to them by FCRA Rules and regulations.This has been asked of them to do since XXXX and we are now in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: PA
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 a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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: Credit inquiries on your report that you don't recognize

Complaint:
This is not a duplicate account and I'm not using any third party for this matter. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 

You are reporting the INQUIRIES that are the result of the fraudulent activities. I must be noted that I did not apply for credit accounts with the below listed companies and creditors, these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

Here are the name of these inquiries : 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 
I know my rights and these Items MUST BE REMOVED.

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 2023-03-13
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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  XXXX XXXX Account number : XXXX XXXX XXXX  XXXX Account number : XXXX XXXX  Account number : XXXX XXXX XXXX  Account number : XXXX US DEP ED Account number : XXXX US DEP ED Account number : XXXX US DEP ED Account number : XXXX US DEP ED Account number : XXXX XXXX Account number : XXXX* US DEP ED Account number : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-07-20
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: Information belongs to someone else

Complaint:
I did not open these accounts and I strongly suspect that they are fraudulent

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 2022-03-18
Company: Experian Information Solutions Inc.
State: MS
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: Was not notified of investigation status or results

Complaint:
I am XXXX that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
15 U.S. CODE {$1600.00} CORRECTION OF BILLING ERRORS 15 U.S. CODE 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS According to these 2 codes there should not be any late payment reported on my credit file I am demanding my credit file be updated with the proper account status of up to date Account dates opened XXXX XXXX XX/XX/2021 account is reflecting as not paid this account has been paid in full and I need this derogatory remark removed from my credit file and lte payment removed as requested above.

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 2022-08-11
Company: PLAZA HOME MORTGAGE, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Plaza Home Mortgage after my lender shared I have the right to request ( XXXX ) supplemental tax payment from my escrow account. 
I made the call to put in the request on XX/XX/XXXX and XX/XX/2022 and per my notes, I made follow calls and emails regarding the payment. The bill was due by XX/XX/XXXX. I was told it would be taken care of in 5-10 business days and it wasn't. I see dates in my notes of : XXXX and XXXX and XXXX XXXX : XXXX, letters ' from XXXX dating XXXX, an email from them on XXXX actually stating, don't worry, we are preparing the payment. an email on XXXX and XXXX and XXXX. Not only did they pay the whole year when it was only supposed to be the 1st of 2 installments but they paid it so late, they paid {$460.00} from MY escrow account in late fees. It would not have been late had they processed my request from the very beginning or when I made follow up calls and sent emails. they took so long, i have late tax fees on my record and charged them to my escrow account that I did not authorize. They owe me a refund of late fees in the amount of {$460.00}. They made an expensive error and are charging me for it claiming their policy isn't to pay supplemental taxes. However I do have the right to request one ( 1 ) payment and I requested it in a timely manner. They took months to address despite assurances from every customer service rep and escalation manager I have spoken to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: TX
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:
15 U.S. CODE {$1600.00} CORRECTION OF BILLING ERRORS 15 U.S. CODE 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS According to these 2 codes there should not be any late payment reported on my credit file I am demanding my credit file be updated with the proper account status of up to date Account dates opened XXXX XXXX XX/XX/2021 account is reflecting as not paid this account has been paid in full and I need this derogatory remark removed from my credit file and lte payment removed as requested above.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
What happened? Received email from Equifax, Trusted ID service telling my husband there was a balance change on an account of which he is totally unaware. Called Equifax as instructed on the email he received. Equifax 's 'Protection Specialists ' ARE ONLY available to help M-F! 

Seriously, Equifax created this problem and can only help us M-F! 

We have to wait an entire weekend when somthing awful can be happening with my husbands credit. 

Can you help get faster and 24/7 service for American consumers? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have five hard inquiries that I would like removed from my report that still seems to appear on my credit report that inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Jpmcb card, XX/XX/XXXX Jpmcb card, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX Also I have misspelling in my name in my personal information settings, and misspelling in my address also along with additional wording on to my name or address areas of the information provided for me that are incorrect. 
Also I had a card that recently closed that I am unaware of why it closed, XXXX XXXX card which impact my credit report as well as far as my credit age. 

Also it seems to me that most institutions such as XXXX XXXX and XXXX XXXX  have late updates as far as payment history and other reported updates and I've been having problems with my XXXX XXXXXXXX cards not being up to date with the payments as well so the reports are being updated pretty much late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: American First Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I went online, to my Account, to see what the payoff amount was, on XX/XX/20, the early payoff was {$820.00}. I waited to check my account or call the company, to give my payment enough time to process. After I didn't hear anything, from them, I went back online, to check my payment, and it showed up. But it was still showing a balance, so I called the company, Sunday XX/XX/XXXX, I spoke to a representative, he stated he didn't see my payment, I said it's showing up on my online account, then he proceeded to say oh I see it. I asked why is there still showing a balance of, {$300.00} in the early payoff and showing scheduled payments, of XXXX. The rep stated that the XXXX is what I owed, so I asked him, if on XX/XX/20, the payment was {$820.00}, and that's what I paid, why is it a balance, he couldn't explain that to me, so he placed me on a long hold and came back and said, what we will do is refund your {$820.00}, to readjust your account, them get the {$820.00} back, I said no, that don't make sense. He said it should still be the XXXX something, after we adjust your account, I said no, you will keep my payment and close this account out, he kept trying to tell me they will refund, the money, I said no, you will keep the money and close the account, and if you all try to debit my account again I will take y'all to court, on XX/XX/2020, they tried to take the {$78.00}, that caused my account to be charged a {$35.00} Insufficient Funds fee, I called my bank to block them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
I am XXXX XXXXhat you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My issue with Capitol One started. When the secondary owner on an account called customer service to have him removed from the account. Somehow during this process my account was frozen and locked. I called in and they told me that I needed to have my husband call back in to resolve some issue. He did and I called because my account was still frozen. They said that he didn't call in. We ended up doing a XXXX way call and got transferred to the customer protection department where someone hung up on us. We called back in again and we got ahold of someone who seemed to know what they were talking about. Turns out My husband had all ready called in and resolved the issue. Not sure why the other reps weren't able to see, and telling me it still hadn't been done. I was told at that point that I would not be able to use that account anymore. I would need to open a new capitol one account, and transfer funds over. I created a new account called back in and they transferred to money. I told the lady that i was still expecting a direct deposit to come thru so i wanted to leave some money in the account. They told me they would be transferring my old debit card to the new account. I attempted to use the card and it didn't work. When I called someone told me that I would not be able to use my old debit card with the new account. I also asked why my direct deposit hadn't come thru yet. She told me the account was closed, and would not be able to accept that deposit. I would have to wait until the deposit was received by my employer. I asked an account manager to provide me with a letter explaining what happened. I wanted this to inform my creditors that I would be able to pay when I received my funds. Capitol one refused. They offered me a very disappointing apology and failed to explain what steps they would take to prevent this from happening in the future. Dont use Capitol One because : Service reps are poorly trained Service reps provide in accurate information Service reps may close your account without your permission Capitol one forces you to call in multiple times because they fail to correct the issue the 1st time. 
Capitol one doesn't care about their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
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:
The company CREDIT ACCEPTANCE CORPORP CREDIT DISPUTE DEPT XXXX, MI XXXX started in XXXX they stated we were late on payment well they actually changed due dates to make us show late twice. I tried to correct in XXXX when made aware of the issue. They said it is what it is. I had the issue again in XXXX I then decided to change lenders. The practices of Credit acceptance corp are not good or moral. I have had several attempts with credit companies to have false information removed. I noticed they had a suit filed for illegal practices with XXXX which is where we obtained the vehicle loan. I am just trying to remove false information from my credit reports which has held me back for 6 yrs now. Why is this so hard. Angry and frustrated.

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-28
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Ever since my loan was transferred to Loancare , LLC ( Myloancare.com ) I have had nothing but trouble. I find it appalling that I have no choice over the company who resides over my mortgage, especially when my personal information is put at risk. The first mistake this mortgage company made was send bad web links in emails detailing the transfer of my services. I had to call customer support to get the correct web address to register online. The second issue I have is that they have not bothered to pay my tax bill for this year which was due on XX/XX/2023. I pay a considerable amount in escrow so they can make those payments on my behalf, and they didn't bother to pay my bill on time. The third issue is that now a cyber-attack has rendered my account unusable for over a week and counting. I can't even get them to pay my over-due tax bill and I can't pay my mortgage because the accounts have been frozen due to the attack. They never even sent out a notification that the attack occurred and have not updated anyone on their plans to protect our data. They have completely left us in the dark about the cyber-attack. I called customer support, and they couldn't tell me anything except that they are working on fixing the issue. They couldn't provide any information regarding whether my bank information is safe or not. This service provider doesn't deserve anyone 's business and I wish I could switch back to my old loan service with 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