BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX Account 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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:
Hi I'm attaching a document for incorrect information reported on my credit report. Attached are two supporting documents stating that a payment was scheduled to be made XX/XX/XXXX out of savings account. It was stated that the payment was late by 30 days which caused a late payment to my credit report. I have never missed a payment for this account. My bank statement shows that the amount was never pulled nor did I posse a returned check fee. It also shows that that their were funds in the account at the time the payment should of been processed. As a result a made the payment because you all said the payment was returned but after further review nothing was taken out of my account. I'm asking that you verify and correct error and remove the late payment from my credit history.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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

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 2023-08-24
Company: Experian Information Solutions 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 2018-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital One has been applying my payments late which is leading to several delinquencies on my credit report. They are reporting my payments as 31 days late when the payments are being within 30 days or less. This is inaccurate reporting and illegal. I have tried multiple times to remedy the problem with them to no avail. I am now demanding that all late entries be removed from my file or I will be forced to seek further action based on damages incurred to credit profile due to their erroneous and haphazard reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i contacted a phone number because i wanted to get the first time home buyer grant they told me to call another number i did and they asked me for my id and ssn after that i received an email saying that they approved me for a home loan but nothing about the first time home buyer program they checked my credit score and my wife credit score without our authorization we are allready qualified with a lender i dont understand why this people pulled my credit if we didnt ask for the we wanted to get the grant for the money for first time home buyer they lie to us so i want to make a complaint if you can contact me in XXXX will be great

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 2023-08-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have incorrect information displaying on my credit report from Experian XXXX XXXX. 

I have reached out on more than one occasion as well as sent dispute letters highlighting all the discrepancies. I was notified that they would investigate and upon completion of the investigation no changes were made to reflect to correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XX/XX/2023 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE SEVERAL CREDIT INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE AND DID NOT AUTHORIZE. THE INQUIRIES ARE BELOW. 
EXPERIAN 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 2022-08-11
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Initial date of incident : XX/XX/2022, XXXX XXXX My XXXX was hacked and taken over by a XXXX party. A Goldman Sachs Apple Card was linked to this AppleID. I reported the hack to Apple within minutes of it happening. 

Despite my fast action in reporting the problem, the hacker then made purchases of approximately {$22000.00}. Other charges came through the account, as late as XX/XX/2022, despite the fact that all cards associated with this account were supposed blocked/frozen on XX/XX/XXXX. 

Access to my AppleID is lost forever as the hacker is in control of it. 

Goldman Sachs/Apple Card refuses to issue a new card using my new XXXX XXXX. They say I can not apply for a new card until all issues are resolved and that I must cancel the old account and reapply for credit as if they do not know me nor my excellent history with that account. In order to reapply, the old card must be paid off in full, including a monthly installment purchase of a product from Apple. 

Account cancellation and reapplying will impact my credit score. The company said that my hacking/fraud may or may not be used in considering a new application for credit. As of today, two months later, the issues have not all been resolved. So, I wait.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07
Company: Forest Recovery Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am filing another complaintsince you failed to resolve this issue regarding my previous complaint [ XXXX ] In your response, you said that you sent thedocuments to my address but I never got anything like a debt validation letter. I am not sure who and where you sent it to but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION, but DEBT VALIDATION LETTER. 

This time to make it easier for both parties. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. I assume that since you claim to have sent it alreadyto me, it won'tbe an issue to send a copy through CFPB. right? You only have within 7 days to complete this request, failingthat, you need to clear my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Im selling a product at XXXXXXXX XXXX  cost {$30.00} only, the buyer sent the payment thru XXXX XXXX ( newly created acct ) and ask my email address for confirmation and then I received an email that my XXXX XXXX is acct restricted saying that my acct is limited and not a XXXX XXXX XXXX acct so I need to contact the buyer to send me {$300.00}. So that it will change to business acct and be credited immediately in my account. The next thing happened is that he asked me if he can trust me on refunding the {$300.00} because he got deducted. Then I received an email that my acct has been upgraded to a business account and final steps to follow on how he will be refunded. But the {$300.00} that he sent is not yet deflected on my XXXX XXXX but he said it wont show up until Ill make a refund and a screen shot proof thru the confirmation email. He sent me his XXXX which XXXX XXXX, but acct not found. He then sent me a number to which I will send the money XXXX name XXXX XXXX but its pending. So he asked me to cancel the payment. He provided another another XXXX XXXX XXXXXXXX, I sent another {$300.00} and completed but it has been refunded by the app and said fail. He called me and asked me if I can just refund

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 2019-07-10
Company: Asset Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Collection company Asset Recovery Solutions LLC had called to my work place two months ago. I received the call and I notified them that I am not allowed to get personal calls at work. I told them to stop calling me at work because they are jeopardizing my job, I can lose my job. I asked them to send me the information via regular mail, which they never did. Yesterday, XX/XX/19, an ARS representative by the name of " Mrs. XXXX '', XXXX XXXX XXXX XXXX XXXX, called my work and a co-worker answered the phone call ; I was not at the office at the time. When I was in, my co-worker told me that first my phone was ringing and ringing multiple times. Then, the call from ARS came through again, through another line, and that's when my co-worker answered it. My co-worker states that " Mrs. XXXX '' was insisting as to where was I, and to try to obtain information of me. She did not disclosed any information and took down her name and phone. Today, XX/XX/19, " Mrs. XXXX '' from Asset Recovery Solutions LLC called my work place again. I am being harassed at work by this collection agency. I called Mrs. XXXX back and told her that I will report them for violating the Fair Debt Collection Practice Act. I told her previously not to call my work place and she is still doing it. I might lose my job because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: NJ
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:
Account : XXXX XXXX XXXX Account # : XXXX This particular account isn't reporting to my Equifax credit report but reports to XXXX and XXXX. Please update right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Shellpoint Partners, LLC
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
524 Injunction : XXXX  XXXX XXXX per the enclosed exhibits did not adjust my mortgage on the agreed date to be compliant with the court order reaffirmation agreement. XXXX kept sending me statements with the original loan amount and payment. I making the required payment the month after the agreement only to have XXXX escrow the payment and not apply them. In XXXX XXXX acquired the mortgage servicing rights with the incorrect balance and monthly payment and now a forced placed insurance policy added to the loan. XXXX XXXX  started sending out notices with the original note information then corrected the loan in XXXX of XXXX but still listed the cram down debt on the statements as defferred P & I this was a violation of my plan and a 524 Injunction. 
XXXX XXXX filed a foreclosure motion in XXXX but before I could file a counter claim XXXX XXXX sold the mortgage to XXXX and Shellpoint became the new loan service company. Shellpoint assumed the foreclosure in court where the case was not heard only rubber stamped by the judge. The docket of the foreclosure case states that I never paid a payment after the reaffirmed agreement now shell point has stated that I had made 4 payments and that BAC had not been compliant. Shell point has now listed the reaffirmation crammed down debt in the amount of {$19000.00} as BK Cost on payoff statements this is the exact amount of the XXXX XXXX Defferred P & I listed on there statements. This is attempt to collect discharged debt and code it as something else in court is a 524 Injunction of the debtors Bankruptcy plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I genuinely believe that PHH Mortgage 's call center representatives have many times provided me with incorrect information, which has led to my current predicament. In 2011, my late mother suffered a XXXX that prevented her from continuing to make mortgage payments. Since then, I've moved in and taken on the responsibility of contributing to the monthly payments. Unfortunately, when the COVID-19 pandemic hit, I lost my job, making it impossible to sustain the payments. 

Having a power of attorney, I began collaborating with PHH Mortgage to secure a modification. This process has extended over two years, involving numerous interactions with the call center and different representatives, each yielding varying answers. There have been instances where I couldn't verify my identity to discuss the modification, necessitating callbacks to rectify the situation. Strangely, another representative would then successfully verify me. 

Although a specific representative was assigned to my case, I've been unable to communicate with them throughout the process. Subsequent calls from or to PHH Mortgage would connect me with different representatives, some of whom seemed unfamiliar with how to proceed with my case. 

I never fathomed that my loan would reach its current dire state. I was genuinely led to believe that a modification was in the works. After submitting requested documents and receiving confirmation of their sufficiency, I later learned from another representative that some documents were still missing. 

I was once informed by a representative that a resolution had been reached and that I would receive a call to discuss the details. Regrettably, that call never materialized. Upon revisiting the matter with another representative, I was disheartened to be informed that no resolution had been established for my case. 

The most devastating revelation came from a company representative who informed me that my loan didn't qualify for a modification from the outset. They shared that the property was moving toward pre-foreclosure. According to them, the sole solution to avoid losing our home is to make a lump-sum payment for the past two years. 

This situation has left me disillusioned, misled, and deeply troubled to face my family. The prospect of returning to work in XXXX offers some hope. As a member of XXXX XXXX, I'll be able to earn sufficient income to bring the mortgage current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I AM IN NEED OF RECEIVING AND REPORTING SUSPECTED FRAUD OR MISUSE OR ABUSE OF AND THEFT OF MY SON 'S SOCIAL SECURITY NUMBER AND THUS, CREDIT STATUS. 

THE SOCIAL SECURITY CARD WAS STOLEN XX/XX/2012. 

MY SON IS XXXX YEARS OLD AND HIS BIOLOGICAL FATHER WAS LAST IN THE ROOM WHERE THE VITAL RECORDS AND MY WALLET ( INCLUDING MY SON 'S SOCIAL SECURITY CARD ) HAD BEEN PHYSICALLY PUT AWAY ON MY DESK AND IN BACKPACK ... .WHILE FATHER VISITED WITH MY SON ALONE AS A COURTESY FROM ME AND OUR VISITATION ORDERS AFTER FIVE + HOURS, THE WALLET AND RECORDS WERE NO LONGER LOCATED. 

I WAS LED TO BELIEVE I HAD GIVEN FATHER COPIES OF RECORDS, ETC, HOWEVER, I WAS NOT GOING TO ARGUE OR BRING UP THEFT DUE TO XXXX POTENTIAL. 

WITH FULL TIME WORKING AND PART TIME SCHOOLING I SOUGHT AND OBTAINED REPLACEMENT CARDS AND RECORDS WITH THESE REPLACEMENTS BEING INCORRECT NAMES FOR MY SON AND I BOTH. 

I AM CURRENTLY AS OF TODAY REPLACING MY SONS AND MINE SOCIAL SECURITY CARDS AND REPORTING PASSPORT STOLEN. I AM NOT POLICE REPORTING AS I HAVE EXHAUSTED MY TIME AT POLICE STATION WITH REPORTS OF ABUSE, XXXX XXXX, AND HAVE EXHAUSTED LAWYER CASE MANAGED COURT CUSTODY HEARINGS IN XXXX COUNTY TEXAS FOR AND AWARDED WITH SOLE CUSTODY OF MY SON. 

XXXX XXXX HAS RECORD OF THEFT AND XXXX AND XXXX XXXX. 
HAS BEEN KNOWN TO HARASS ME WITH PHONE CALLS, THUS, I SEEK A SIMPLE EASY SOLUTION INTO OBTAINING A REPORT FOR MY SON 'S CREDIT

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 2023-06-21
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Credit fraud and unauthorized inquiries without my permission

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 2022-11-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made a balance transfer for XXXX XXXXXXXX ( plus some fees, etc ) originally from another card to my Citi card. The Citi card was not used very often, so it was set to automatically pay in full for the longest time. I swear I remember before making the balance transfer, that I changed it from pay in full to pay minimum bialances, that way if a payment was missed, at least a minimum payment was made. 

I made a {$1500.00} payment before the due date, however, on XX/XX/28, I noticed my checking account had been overdrafted by {$3500.00}. I see an additional payment was made from Citi for {$12000.00}. I immediately call Citi on the XXXX, and tell them that payment should not have gone through. They put in a refund request and stated it would take XXXX business XXXX. Borrowed $ XXXX from a friend to cover overdrafts for a short amount of time as they stated XXXX business XXXX 

Called them on the XXXX, and they told me, it had just been approved on the XXXX or XXXX, and it would be XXXX business XXXX from then which would be today the XXXX. 

I called them again today, and was told that it was approved on XXXX for deposit, and I should have it on XXXX. 

This is ridiculous. I can't get a straight answer and I've had this account for XXXX XXXX. I shouldn't have to file a complaint with you either. 

Please help if you can.

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