BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
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 accounts 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 ( addresses, account, or inquiry XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-12-15
Company: Experian Information Solutions Inc.
State: AR
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:
I discovered that some of the information being reported by the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$3100.00}

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 2022-12-15
Company: Experian Information Solutions Inc.
State: SC
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 the numerous times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : 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 2022-12-15
Company: Experian Information Solutions Inc.
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:
On XX/XX/XXXX there was a account that was open in my name that I did not apply for because of this I have a late payments on an account that I never opened because of this it has destroyed my financial future I need to get this account deleted off my credit report Ive never opened this account especially around the year XXXX when I just was able to get my first credit card Account name XXXX XXXX XXXX XXXX XXXX  number XXXX XXXX  type XXXX XXXX Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX - XXXX updated - Recent payment - Monthly payment {$0.00} Original balance {$800.00}

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 2022-11-17
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2020 Ive sent a request for validation from XXXX XXXX XXXX. This includes copies of documentation that represents a legal ledger in form of Purchase Agreement, Bill of Sale, or transfer of title. Furthermore, it must include a copy of the original agreement made with the principal creditor, XXXX Bank, and myself, outlined by my legal name. 
The document sent by XXXX XXXX XXXX is a statement that represents an account number and some billing statements that represent an account I had formally held with XXXX Bank. The Document doesnt represent a legal ledger in anyway. There is nothing that represents a purchase of such accounts. There is nothing that represents the amount paid, terms of the sales, principal agreements with parties involved. 
The document sent is Considered Hearsay, and I had recently won a judgment against XXXX XXXX under this very same pretense. The XXXX filed a lawsuit in pursuant of an alleged debt and a could not produce purchase agreement to validate that XXXX titleship of such accounts. 
PLEASE DELETE XXXX XXXX FROM MY CREDIT REPORT. THEY HAVE NOT BEEN ABLE TO PRODUCE LEGAL DOCUMENTATION THAT PROVES TITLESHIP OF THIS ACCOUNT. 

XXXX XXXX XXXX Account number - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION INFORMATION EVEN AFTER BEING NOTIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15
Company: Experian Information Solutions Inc.
State: MO
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:
This is truly criminal and should be addressed but we know experian does not fix problems just creates them, still working on the issue THATS A JOKE JUST LIKE THIS FRAUDULENT 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 explanation
Consumer complaint received 2022-12-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a promotional balance on the JCPenney credit card. I always call to pay that non promotional first, so I will not get charged with the interest and then pay the minimum for the promotional amount and now they remove half of my promotional amount and charge me interest by law in California they supposed to get the non-promotional payment first and then the rest goes to the promotional and they dont do that so they could charge me interest. I called like 3 or 4 times to the credit card and they havent fix it and theyre charging me interest.

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 monetary relief
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: NY
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 so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : 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 explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn. I have been a victim of identity death. I found numerous accounts on my credit report. They were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent account from my credit report 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 non-monetary relief
Consumer complaint received 2024-01-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried opening a bank account and was denied. The bank informed me there were 2 bad debt or charge off. The bank would not give me any information except that I had to contact Chex Systems Inc which I have done previously because this has happened before. They never sent me the information, wouldnt email it, and I have no idea what these debts are or who they are from.

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 2023-10-18
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have contacted this loan company American education services several times about lowering my monthly payment and interest rate. this company states there are only 3 repayment options able to use in the life of the loan and that I have use all of them. I think it is unfair to have only 3 lowering payment options in the life of a loan of this size. I have already exceeded paying the amount the loan was initially taken out for which was {$33000.00} on XX/XX/2007. As of today, the amount paid on my loan is XXXX. Total interest satisfied has been XXXX. Total principal satisfied {$9700.00}. This company is saying that I still owe {$38000.00}. I am a XXXX XXXX and have worked through covid to pay this loan with no relief or help from this company in lowering my new monthly payment of {$640.00} and new interest rate of 12 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: NJ
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Also they are not even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage is not allowing me to make a {$35000.00} payment on my loan. They declined my payment about XX/XX/XXXX. They say I can not make any payments until I am out of default, and pay them an unknown amount of extra money, to pay for things while I am in default. I was in the federal forbearance program from about XXXX of XXXX until XX/XX/XXXX of this year, XXXX. 

There is no way I can be in default at this time because 90 days has not passed since XX/XX/XXXX. Being how I am not in default when Carrington says I am in default, could you advise Carrington to let me make a payment in accordance with our contract. Until I am allowed to made a payment Carrington is violating the law. Legally, Carrington is currently in breach of our contract buy not allowing me to make a payment.

I understand under current law, I can not ask the Court to dismiss my default until carrington files court papers giving me a case number. I want it on record that until I am allowed to make a payment, carrington is in breach of our contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX support tech scammed me into XXXX money to them. In the amount of {$3400.00}. There were 9 different XXXX transactions from account taken. Money was withdrawn that I did have available. I only had around {$400.00} and BOA gave them {$3500.00}. I got a letter from that my claim was denied because I author transactions. Wouldnt there be a red flag that there was no money in my account to keep in withdrawn if. Please help to get my account credited. My like is on pause for money that I did have but owe! How is this possible? There has to be a better system.

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 2022-12-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
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:
Always had perfect payment history never Gad a late payment, they had an issue with the auto pay and never notified me of anything until they reported late payment and when I called to dispute they said they will remove it and never have

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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 account indicated below continue to report on my credit report despite several written requests, in violation of federal law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}

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 2023-04-05
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: Was not notified of investigation status or results

Complaint:
on XXXX sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

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 2023-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
On XXXX XXXX I did a balance transfer of {$7000.00} on my CapitalOne card from my XXXX. As of XX/XX/2023 the transfer had not posted on my XXXX account. So I called Capitalize One and they researched it and said there had been a mistake and a number was left out of the account # for XXXX. I double checked my part and I had entered it correctly online. The following day the transfer posted on my XXXX account. Which would not of been possible if account number was wrong. Of course by now CapitalOne had cancelled payment. Because of the payment reversal, XXXX now has my account on restriction in that every payment I make is reviewed and not posted to my account immediately. Instead it takes XXXX days. Also because the Capital One credit card is showing that I have max my credit limit, my credit score has lowered significantly and I was turned down for credit. This is effecting my business for a mistake that CapitalOne made. They are telling me it could take XXXX billing cycles before it is credited back. Which is ridiculous for a mistake they made. This means I am paying interest on another credit card because I couldnt transfer the amount and my credit score is still affected. This practice should not be allowed. 30 days should be more than enough time to resolve their mistake.

Company response to consumer: Closed with explanation