BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX. Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XX/XX/XXXX In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX  XXXX XXXX ), you may be liable for your willful non-compliance. 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. The following information therefore needs to be reinvestigated.

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 2023-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 am a victim of identity theft I reported the event to law enforcement and to the credit bureaus I also contacted the companies to inform them of fraud and placed security freezes and fraud alerts on my credit file I also filed out a FTC IDENTITY THEFT REPORT I even provided them with exactly who committed the identity theft in my name and they claimed to do an investigation and formally declined the id theft claim I also received information from XXXX confirming identity theft from there identity theft protection program my information was sold during the XXXX data breach and accounts were opened in my name before I was 18 years of age which were removed off my report and even with all of this proof the bank refused to remove inaccurate information from my credit report all of the other banks complied and information was removed however the following banks wont remove information : Capital one Bank N.A XX/XX/XXXX Balance : XXXX Bank admitted on recorded phone call that account was fraud but fail to remove information they are fully aware that the account is fraud XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : XXXX Bank admitted on recorded phone call that account was fraud but fail to remove information they are fully aware that the account is fraud And are not in compliance with FCRA Regulations regarding time frame to provide feedback for identity theft related accounts XXXXXXXX XXXX  XXXX XXXX Opened XX/XX/XXXX Balance : {$20.00} Lender wont respond to fraudulent account and continues to report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: OH
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:
I have two private student loans that have been settled in full with XXXX who continue to inaccurately report their balance and status. I had two XXXX private loans go to one of their own collection agencies, XXXX XXXX XXXX. I settled this debt in full for both accounts. XXXX still reports one account as open, both as still having a balance, and also have reported new late payments after the account was already settled in full. 

Both accounts were settled on XX/XX/2022. 

Both accounts settled in full with lender/collection agency letter verifying accounts settled in full.

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 2018-11-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, This is ridiculous and inaccurate. My insurance carrier stated that they rectified these accounts, and said you can not collect debts twice. 

no contracts exist ... grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2023-10-05
Company: Experian Information Solutions Inc.
State: FL
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 CONSTANTLY CHECK MY CREDIT REPORT AND NOTICED THAT THE ERRORS AND FALSE MISLEADING INFORMATION FOR INDIVIDUAL ACCOUNTS DIDNT QUITE MEET THE CREDIT REPORTING STANDARDS OF BEING 100 % CORRECT. THIS HAS DAMAGED ME AND HELD ME BACK FOR SOME TIME. I'M NOW DEMANDING THE CFPB TO ENFORCE THE CORRECTION AND OR DELETION OF THESE ITEMS. XXXX NEW XXXX ACCOUNTS HAVE BEEN REPORTED ON MY CREDIT REPORT WITH XXXX ONLY AND ACCORDING TO 15 US CODE 1681a XXXX XXXX XXXX THESE XXXX COLLECTIONS ARE IN VIOLATION AND CANT BE ON MY CREDIT REPORT XXXX PARTNERS AND THE ORIGINAL CREDITOR IS EMERGENCY RESOURCES GROUP IN WHICH XXXX XXXX ACCOUNTS HAVE ALREADY BEEN 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 explanation
Consumer complaint received 2017-11-14
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My son received a new XXXX gift card for his birthday that is not working, we called XXXX and they say they can not help because my son is not registered on the card?

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 2023-03-01
Company: Prosper Marketplace, Inc.
State: RI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for {$30000.00} unsecured personal loan with prosper on Sunday and was told on Monday that I was approved and was just waiting for funding by one of their agents. Later that evening at about XXXXXXXX XXXX  I received an adverse action notice from the company, stating they could not provide me with financing, because of a technical error on their behalf, and nothing to do with me. I dont called the company the next day to follow up to have the issue rectified. I have worked with multiple agents and supervisors to correct the issue. I pre-submitted my application multiple times, and it keeps coming back with the same excuse technical issue and again it has nothing to do with me personally however, its still denying my application for no fault of my own. I feel that I am being treated unfairly and discriminated against at this point in time, because they can not provide me with any reason why my application would be denied on my end. I keep getting different answers from different people, but nobody will take responsibility for it and its made no progress.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

Accounts are listed below : XXXXXXXX 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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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 XXXX : XXXX has violated my rights. Or 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 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 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 2018-11-15
Company: Select Financial Services, Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
II had talked to a representative about changing due date on my mortgage payment in XX/XX/2018 to the XX/XX/XXXX of the month because i get my XXXX check on the XX/XX/XXXX. HE said that it would not be a problem that he would change it.XXXX XXXX sent paper work for me to fill out. I marked due date because their representative said that he changed it to the XX/XX/XXXX of the month. He said nothing to me about any paper work! I filled out paper work, faxed it back. I got my monthly bill, still set up to take payment out on the XX/XX/XXXX! I called them and they said that i filled out the wrong date that i would have to send in an other copy to change the date so i did even though i did what their rep. told me to do! They still took out payment on the XX/XX/XXXX, causing an overdraft of XXXX dollars! Icalled them again and was told that i was supposed to write delete first set of paper work! No 0ne said anything about doing that! on XXXX XX/XX/XXXX they took out another payment, leaving me NO MONEY in my account! I called again and they said that I WOULD have to get copy of bank statement, fax to them before they could return my money! I had to borrow the money to fax them! now they keep giving me all kinds of excuses about putting the money back! They also increased my mortgage payment from XXXX to XXXX saying that my house insurance was to high! I followed the guide lines that they set! i truly think that this company is taking more of my money then is necessary! total overdrafts comes out to XXXX plus the mortgage payment of XXXX! I know that this does'nt seem like a lot but i only have my XXXX money and i have other bills to pay and i need money for gas to go to doctor appointments i can, t do anything until selene finance puts my money back! I hope that something can be done with them, because i know that i can't be the only one having problems with them!

Company response to consumer: Untimely response
Consumer complaint received 2022-02-06
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a conventional 30 year mortgage in forbearance with XXXX due to Covid 19 issues. 
XXXX sold the mortgage in 2021 to Nationstar now XXXX as Mr. Cooper who honored XXXX forbearance agreement I successfully completed XXXX XXXX XXXX XXXX 3 month trial in XXXX On XX/XX/XXXX Mr Cooper sent me a proposal for the new mortgage which is a 40 year mortgage at the same rate as my previous 30 year mortgage The first XXXX  years of the mortgage are interest only payments and then the last 30 years are conventional My opinion is this is a punitive proposal What is my recourse to obtain either a lower rate or change this to a conventional mortgage where a certain portion of the payment would be applied to the principal for all payments? 
Is what Mr Cooper proposing legal? 
I did some research and their previously named entity were fined for unfair practices with mortgages, probably the reason they changed their name. 
I have 14 days to respond from the XX/XX/XXXX and am not sure what are my options I am sending Mr Cooper a letter tomorrow disputing the terms of the agreement What other recourse do I have? 
Thank you in advance for your response. 
XXXX XXXX XXXX @

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Aqua Finance, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. 

XXXX XXXX XXXX is reporting inaccurate information on my XXXX credit report. I have requested numerous investigations into this matter, one as recently as XX/XX/2023. I have not received any communication regarding this matter which is a violation of the law mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX {$970.00}, XXXX XXXX XXXX {$880.00}, XXXX XXXX XXXX {$2600.00} Debt can not be collected twice ; settled with original creditor ... unlawful and disgusting ... 
Original creditor has stated that they did not verify, and that they have it on record that my insurance carrier paid all XXXX accounts ... so why do you still report these? 


... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2020-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My personal information was stolen through and email and I did not know about it until I saw 8 different charges to a merchant called XXXX on XX/XX/2020 : {$800.00}, {$480.00}, {$200000.00}, {$1900.00}, {$1100.00}, {$1000.00}, {$280.00}, {$2500.00} = totaling {$10000.00}. 
I bank with Bank of America, it's a business account, I have never done any business with XXXX. Bank of America never sent me any text message alerting about those transactions, nor put a stop on my card. When I saw the charges, which were still pending, I called the bank immediately and informed them that those 8 charges were not authorized and not made by me. The bank told me they had to let the charges go through and they will refund me after. 
They opened a fraud request and denied stating that the information provided to the merchant for the 8 transactions matched mine. I told them that I knew it was going to match because my personal/bank information was stolen! 
The bank denied to refund the {$10000.00} that was stolen from my account stating that it's not fraud. 
I called the bank and I asked them to reopen the case. They did and they denied again stating that it's not fraud because the information on XXXX website matches my information and then the bank is lying that they sent text messages to my husband 's phone alerting about the transactions on XX/XX/2020 ( also a signer on the account ), but they did not send any text message ( I am including a copy of my phone bill here to show you ) I have called the bank every single day, since XX/XX/2020 when I found out about those charges. I went to the police and made a report ( the police laughed at my face because he said there was nothing they could do ), I put an alert to my credit report and I will prove to the bank that I did not do those transactions, I don't understand how come 8 different transactions to the same place, same day, one after the other did not raise a red flag with the bank. The bank had to put a stop or call me to ask if those transactions were valid. 
I am desperate because it was not a little amount of money, it was {$10000.00}. 
I need help to get my money back. 
I filed a police report, I put an alert on my credit report, I called the merchant, I called the bank and I will keep doing until I prove it was not me who did those transactions. 
The bank had the obligation to care for my money ... they should have never let those 8 transactions got through without asking me if it was authorized by me ... it was a huge red flag ... huge ... 
Please help me!!!!

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