BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a discrepancy in my credit report maintained by your bureau. Upon reviewing my credit history, I have noticed the presence of inaccurate late payments, which do not accurately reflect my payment history. 
I pride myself on being a responsible and diligent payer, consistently meeting my financial obligations on time. The reported late payments are inconsistent with my financial behavior, and I believe there has been an error in the reporting process. 
Account Information : XXXX XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I am kindly requesting a thorough investigation into this matter and the prompt correction of the inaccurate information on my credit report. I understand the importance of accurate credit reporting and the impact it has on my overall financial well-being. 
As such, I request your cooperation in rectifying this error as soon as possible.

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 2023-03-16
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
( XXXX XXXX ) applied for an educational loan with the federal government and was denied in part due to a collection account on his XXXX credit report which is being reported to all three major credit reporting bureaus ( XXXX, XXXX, and XXXX ). On or about XX/XX/2023 and XX/XX/2023 XXXX contacted both the collection agency displaying the information on his credit profile with the major credit reporting agencies in an attempt to discuss the bill with them. In XXXX first attempt at discussing the bill with the debt collection agency displaying the information on his credit profile he was asked to put in the reference number that is associated with the account. XXXX complied, and was then drawn into a circular series of prompts that were only willing to accept a payment amount in excess of what is displayed on his credit profile with the major credit reporting agencies and was unable to discuss the bill with a representative. XXXX then became frustrated and called the merchant, XXXXXXXX XXXX to discuss the bill with them. XXXX notified XXXX XXXX that the bill accrued as a result of security equipment that he wanted to return to the merchant. The merchant XXXX XXXX said that they were willing to take the equipment back and absolve him of the debt that is associated with the account, however they were unable to access the account with the information he made available to them. XXXX has since offered to return the equipment to a retail location, however given the nature of the issue XXXX is concerned they are not going to accept the equipment at the retail location. As a result of XXXX XXXX not being able to access XXXX account and the debt collection agency being unable to discuss the billing issue with XXXX XXXX XXXX is filing a dispute with XXXX and this agency due to XXXX XXXX reporting a debt that is not valid and being asserted only because they are not able to access his account themselves so that XXXX can return the equipment to them. They have created a situation where they are demanding an amount of money for items that qualify to be returned as they stated, but are unable to process the return given the internal technical issues they themselves are struggling with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I earnestly plead with you to promptly take decisive steps to eliminate the unauthorized inquiry from my credit report without any further delay.

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 2023-03-16
Company: Experian Information Solutions Inc.
State: MD
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : 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. Or the 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 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 or 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 explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or the 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 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 or 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 2023-03-30
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXXXXXX XXXX Balance Owed : {$52000.00} XXXX XXXXXXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX 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 non-monetary relief
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: GA
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 in the process of buying a home and I realized I had damages on my credit report. According to the 15 U.S. Code 1681 their should not be any damages on my credit report its a defamation to my character.

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 2023-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card today XX/XX/2023 from an offer emailed to me from Capital One Bank. I have had a credit card with them for many years now and have always paid on time, and not once have been delinquent on a payment ; in fact I always pay much more than the minimum required. The email they sent was highly misleading. It stated that because of my hard work and excellent history with the company I was " pre-approved '' for a card with 0 % APR for the first 9 months. Here is the cut/paste from Capital One 's misleading email : " You work hard to manage your credit responsibly, and the next step on your credit journey is clearan offer to earn rewards on every purchase with the from Capital One, all with no annual fee. '' Thinking I could get 0 % APR for 9 months was great ( especially compared to what I pay them currently ), and I applied thinking I was " pre-approved. '' I was immediately denied and a hard pull on my credit report is now permanent because of Capital One 's misleading marketing practices. I work very hard to keep my credit history clean and all payments are always on time. I don't need this kind of negative reporting on my report. This kind of dishonest activity practice here by Capital One should be illegal. I attempted to email them at the address they sent my denial letter to and it was kicked back as undeliverable. The federal government needs to take these criminals to task for this kind of deliberate dishonesty. 
Bottom line : don't send out offers that a company does not intend to abide by. Capital One is a company that I will be making great efforts to no longer do business with because of dishonest business practices like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: KY
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 XXXX Account # XXXXXXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-04-12
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Third time complaining. I have a letter from Fed Aid that states I do not owe any money on my student loans. How do you override the fed government database I'm not sure. Please explain my balance again since everywhere and everyone says I do not owe. You are con artists and scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Ready Capital Corporation
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I was selling my property and attempting to purchase a new mortgage. In the process I was notified I was late in several payments but had not been notified prior. After the inquiries I was told that was late in XXXX of XXXX  but I informed the person I spoke with that when I called on XX/XX/XXXX to make my payment the agent I spoke with told me I had an escrow refund and could use that amount to make my mortgage payment and all I would have to pay would be {$76.00}. I did and was not aware of any discrepancy until I was informed of my being late but I had not received any late notices. This made me a month behind. Also, due to me being placed in XXXX  XXXX I was told I could pay anytime of the month and not be late so I opted to pay at the end of the month. Once I received the payment history I was told it was just an unwritten rule. I asked several times for the printout of the recording and to be transferred to a supervisor but the supervisor was never in. This happened on at least five different occasions.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Early Warning Services, LLC
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I placed an ad on XXXX marketplace to sell a treadmill. A guy answered my ad and asked if he could pay for it through Zelle. Figuring it was like XXXX I agreed. I opened a my Zelle through my bank app for him to transfer the money to me. I received this email from Zelle : Unfortunately, we're unable to credit your funds ( {$500.00} USD ) into your account now due to the status of your account is not a business user which makes this amount be above your limit. 

How Do I Expand My Account Limit? Action Required : To expand your account limit. Contact the last person that transferred payment ( sender ) to send an additional payment of {$100.00} USD for your account to be fully expanded. As soon as this is done, youll receive ( {$600.00} USD ) in your account as instant deposit. 

IMPORTANT NOTE : An alert has been sent to sender in regards to the {$100.00} USD additional payment that has to be sent immediately. 
So I sent the money which was followed by multiple emails telling me I had to keep sending money to get my money back. This went on for over a month. Having my suspicions, I kept asking why I had to keep sending money to get my money back, their response was that it was for insurance purposes, federal purposes many more reasons for me to keep sending money and being guaranteed that ALL the money would be returned, none has been returned. 
I also received several of these emails as well : You only have {$300.00} to pay which was the last funds we told you to pay last time we are the one who put you through this steps and you are done already without this last payment no way you can get your funds We receive report and file for a fraudulent transaction but we are clear and safe because You reporting us wont get your money back only us can XXXX Pay your last fee to deposit your funds so we can finish this if you pay this last fee and we dont deposit we will also be punish so clear your last fee and we done. 
I told them that I would take legal action and I would contact my bank to get my money back if they didnt return my money as promised. They told me that my bank couldnt do anything about it and I couldnt get my money back through the bank, which is the only truthful thing they told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was under a covid 19 forebearance program. I was contacted in XXXX of XXXX  that I had to make a payment of over {$50000.00} to bring my account current. No other amount will be acceptable. It took me just under 60 days to sell belongs cash in CDs ask family and friends for help and of course had to go to zero expenses to raise the money.My wife and I did and paid it current in XXXX of XXXX. The amount paid was {$53000.00}. On my credit report I notice that I was charged a 90 day lateness in XXXX of XXXX  and a 90 day lateness in XXXX of XXXX. This has done tremendous harm to me because my insurances, all of them are going up, and it makes it impossible for me to get a mortgage, lease a car as that payment amount is unaffordable, or take advantage of deals that require a store card. I want to refinance a property to get money to get caught up on my bills. I have a ton of equity just no cash. Will not qualify for an FHA manual underwrite because of these latenesses. I contacted shell point and I am told they have been asking for the money since XX/XX/2022. I was able to get the statements they claim to have sent me. I never recd a statement from them in XX/XX/2022 nor XXXX of XXXX. Secondly, how can they ask me to go from no payments for the past 10 months or so to a XXXX time XXXX plus payment, and accept no other amount as a payment option. Thirdly, they reported me 90 days late in XXXX. The first payment statement they said they sent was in XXXX. How could XXXX be 90 days late? That would mean I should have gotten a statement in XXXX of XXXX, which even they admit to not sending me. I feel that my credit report is not accurately reflecting this account. There is no payment being asked of my until XXXX on the credit report. On the credit report it states that amount is {$1700.00} is due in XXXX. I have statement that the payment amount being asked was over $ XXXX. In XXXX it says amount due is XXXX my regular payment and reflects the {$53000.00} payment bringing the account current. The account statement for XXXX states over $ XXXX is due. Lastly the XX/XX/XXXX late has to be removed because they only sent me a statement in XXXX according to them, so how could XXXX be 90 days late? XXXX XXXX  90 day lateness should be removed for 2 reasons. First is they never notifed me that an amount was due until XXXX. Second reason is the latemess and credit report make it appear that a {$1700.00} payment was not made in XXXX when that was not being asked of me. I was asked to may over $ XXXX. And because asking someone like me to come up with {$50000.00} cash today is very hard.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with 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 Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXXXXXX XXXX Account Number # XXXX XXXX XXXX Account Number # XXXX XXXXXXXX XXXX Account Number # XXXX XXXX Account Number # XXXXXXXX XXXX XXXX Account Number # XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number # XXXX DEBT OF ED/XXXX Account Number # XXXX XXXXXXXX XXXX XXXX  XXXX Account Number XXXX XXXXXXXX XXXX XXXXXXXX Account Number # XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I sent a letter to the courthouse asking them if they report bankruptcy to the bureaus, they responded with a letter saying they do not report to any reporting agency. If thats the case how was this account verified? This further explains that there was not a fair investigation but ion according to USC 15 181 sec 603 E states. The term investigative consumer report and portion thereof. .. are obtained through personal interviews 15usc 1681 section 602 states that I have rights to privacy 15 USC 1681 604 a section 2

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