BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account 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 2023-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
ACCOUNT # XXXX We are not able to even check or are we getting/ receiving any information on this account they closed this account after we mailed a letter XX/XX/XXXX ( enclosed copy ) questioning an email we received on XX/XX/XXXX as a fraud /scam email. We have since written numerous letters and made numerous calls ( see just a few of the letters ( dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that only response we get is a letter that is mass produced stating account will remain closed*applicant is not responsive to communication. We have called numerous times/mailed numerous letters and only response we get is a letter it is closed. Nothing addressing all the issue we have asked or written. When we call, we are being told : Great customers, great credit, very high credit score, they would need to limit credit given and that a supervisor would call back. However, no one every call back, has left a message or has reached out at any time.

We are still questioning entire account all chargers over entire duration of account, missing cards that we got three emails that they had been mailed, club points over {$300.00} that we can no longer access because of the account being closed, PAYOFF after entire account is investigated and corrected. Payments we have sent applied to principal as they stated correctly. This is discrimination since we are a married couple wanting a joint account, we questioned this and the email that we thought was fraud.

We are not looking to reopen or are we interested in that at this point due the way the entire issue has been handled. We have been issued a joint account through another card with no issues and done very quickly. It also offers much better incentives and ones that are actually not just based on one company Cabelas which is also discrimination against people that dont use hunting products. 

Thank you to your immediate help correcting all the issues with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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:
This is my Follow-up 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 : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX, XXXX . XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX  XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX  Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$650.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: DISCOVER BANK
State: SC
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 was a XXXX student in XXXX and someone used my social security number and my ID and built 7 different accounts under my name without my permission, the bills start showing up from XXXX until XXXX with total aroundXXXX , which i never purchased

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
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:
This is the several 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **** Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-07-16
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Since XXXX of XXXX, my debit card was compromised and used to charge over {$1800.00}. 

I made a complaint with the Go Program, but they would not help me. 

As of XX/XX/2020, I provided the Go Program with a police report indicating this was fraud and itemizing each of the unauthorized charges in the police report. I have also filed an FTC Identify Theft Report and provided another itemization to the Go Program. 

I have provided all the appropriate documentation to the Go Program to honor my fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance Owed : {$1800.00}, XXXX XXXX Balance Owed : {$230.00}, XXXX XXXX Balance Owed : {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX 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 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 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 2023-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I've been trying to dispute a charge off from capital one now for around 4 months. I've asked numerous times for validation of debt and besides the answer on the remarks from credit bureau have yet to see any physical evidence of this debt. They're saying it's mine because of recorded phone calls and that it was opened at my address of XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX. Yet there is an address on my credit report XXXX XXXX XXXX XXXX PA XXXX in which I never lived however I can not get it removed from my credit reports because the bureau is saying it's attached to this capital one inquiry and debt! They've yet to send me any proof and have not once ceased communication while in dispute! They email me excessively even though they are aware I am in dispute and won't pay debt that isn't my doing. I also had the XXXX XXXX XXXX address removed from atleast XXXX of the buried further proving the address this account is attached to was never lived in by me but someone who fraudulently represented me and opened this account. Furthermore this account was frozen for fraudulent activity and my bank said they received calls trying to validate a bad payment made and were told it did not come from MY BANK ACCOUNT!!! I WANT A THIS CHARGE OFF REMOVED IMMEDIATELY! I've spent months now fighting to get my life and credit back and for some reason capital one is only creditor not willing to see the truth that I was a victim. I've removed every other negative remark but this! Screenshots attached show the daily emails sent when during times I'm disputing and with no clear way to cease this which is another violation of law. Please remove this account at once! My ex-wife was also contacted by a lawyer saying they're suing us for this debt but haven't heard from them myself and still get contacted daily from capital one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: I.C. System, Inc.
State: MO
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 was recently checking my credit report and noticed, IC System has been reporting to my credit report inaccurate and unvalidated information. They were not able to provide me with any documentation or application with my signature proving I owe this debt to IC System. I reached out to IC System, requesting validation for the alleged debt. IC System response was for me to reach out to the original creditor " XXXX ''. When I called XXXX, they were not able to locate an account for me and advised me to contact the IC System, informing them to remove the negative account from my credit report. If IC Systems purchased this alleged debt, they're claiming I owe, this agency is in violation of 15 U.S.C. 1692g. They were to notify me of this account within 14 days prior and I was not notified. I can validate this debt. I do not validate this debt. Under 15 U.S.C. 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt, this account is in violation.

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 2023-09-11
Company: EQUIFAX, INC.
State: MI
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:
The following accounts are fraudulent and do not belong to me. I demand immediate removal.

1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original document and wet signature If you can't provide these items Delete them. 

I have attached a copy of my FTC REPORT for all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, another account still needs to be UPDATED. This account should be checked by the three credit bureaus in compliance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hopeful that the disputed account will be settled XXXX XXXX XXXXXXXX Balance : {$38.00}.

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 non-monetary relief
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
You responded to complaint XXXX stating that the company verified the account. Why have you sent me a statement that the creditors have verified my accounts? You've failed to send me any documentation that verifies this and I've also called and was told that there was never an investigation and that you didn't reach out to determine whether they're listed the right way. I would like to see the paperwork, contracts, receipts, statements, logs, etc. that were used in this so-called investigation. If you can't furnish what I've requested, remove this late payment from this account immediately.

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 2018-08-14
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX my mortgage was transferred to XXXX XXXX/Shellpoint. Prior to transfer I had a payment arrangement with my previous mortage holder XXXX XXXX. The mortage was behind due to the flood in Louisiana of XX/XX/XXXX. I had been working with Capital One to resolve the issue and a payment arrangement was created in XX/XX/XXXX. The payment arrangement was for three increased monthly payments, the first payment due in XX/XX/XXXX, the second in XX/XX/XXXX and the final in XX/XX/XXXX. In XX/XX/XXXX, there was to be no past due owed and normal payments were to be resumed. I have a copy of the arrangement as issued and signed.

I made the first XX/XX/XXXX payment XXXX XXXX. Then, the loan transferred to XXXX XXXX/Shellpoint. However, they did not yet have history of any documents from XXXX XXXX and they told me they would honor any arrangement previously made with XXXX XXXX. I sent them copy of the arrangement.

I made the second increased payment as agreed to XXXX XXXX/Shellpoint inXX/XX/XXXX, and I made the final increased payment as agreed to XXXX XXXX/Shellpoint in XX/XX/XXXX.

My past due balance should now be XXXX. However, my details page with the new mortgage servicer shows I owe over {$7000.00}. And my new monthly payment has increased by almost {$400.00}.

After contacting Shellpoint, I have been told they did not receive any payments made previously with XXXX XXXX. i provided Bank Statements and Mortgage Statements to prove payment. I also asked for a reason for the increase in my monthly payment. They said it was due to escrow but can not account for the increase. The taxes and insurance amounts due do not total the increase. And they can not explain the increase to me.

I contacted Shellpoint NUMEROUS times to clear this issue, but keep getting the same result. They don't have the information they need from XXXX XXXX. I contacted XXXX XXXX and was told they don't have the information any longer due to the transfer.

I was then told to contact the Escalations Department at Shellpoint. I emailed them to try and resolve this issue. I have only received a letter from them that they would look into the issue. However, since then, I have received numerous additional letters that my loan is in default and of their intent to accelerate the loan.

I have tried to call the escalations department, but the voice recording just says they will contact me upon completion of review.

Now, I have two certiifed letters waiting for me. And my account details page still says I owe over {$7000.00}. The last letter I received from Shellpoint said I owed over {$5000.00}.

I need assistance. Please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: AL
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:
I didnt give my permission for this company to report my personal information to any reporting agency or person and they are in violation of my privacy 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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/2023.

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 2023-11-01
Company: AC AutoPay LLC, Denver, CO Branch
State: NJ
Product: Credit reporting 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:
The customer service employee, dont have any information and try to end the call quick. They have no information on what I can do instead, they have wait for a call from a supervisor to fix the problem its been 2 weeks no response. I explained multiple times that I didnt allow for them to pull from my credit report.

Company response to consumer: Closed with explanation