BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi, My name is XXXX XXXX and husband XXXX XXXX. We have a mortgage through Cross Country Mortgage for our single family home, that was completely devastated and lost due to XXXX XXXX XX/XX/2022. Our home had 8 feet of water and was recently completed remodeled, we lost ever single item inside the home and the home itself, in which we are intended to rebuild better to hurricane code and higher elevation. We were in a federally declared disaster and they went through forbearance. They said this would NOT hurt our credit, it not only hurt our credit, but went delinquent not only once but now twice. My husband and I have been displaced from our home for over 7 months now, we are in permitting to rebuild our home and had previously over 800 credit scores and now they are XXXX and under 600. 

Our credit score was hit twice in XXXX and NOW again today as they assured this would not happen again, and would submit a credit reversal and stating that it was a mistake on their end ( mortgage company ), but it happened now again. We are crying and completely devastated. Not only did they hurt our credit twice, they won't put a supervisor on the phone to talk to us. We just want to continue our monthly payments again and have this whole process justified. This was intended to help us through this disaster, but it has hurt us tremendously, we have been living in a hotel for 7 months now and they also are keeping our insurance money until we make progress on the house, in which now our credit is completely messed up for. Please help us we want to take legal action, this is not right at all what they have done to us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
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:
I am submitting this complaint to being notice to of the unlawfully reported unauthorized accounts on my consumer report this has violated my federally protected consumer rights to privacy and confidentiality under the FCRA law USC 1681. I have not given my written permission to put anything on my credit profile. I have been violated by you as state 15 USC 1681b You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated Identity THEFT! to title 18 USC 1028A. You have knowingly possessed, transferred, and or used without lawful consent and authority means of identification of me. Which is a Felony Punishment of 2 YEARS imprisonment! including civil liability, You're in violation of 15 USC 1692g and can be fined {$1000.00} per violation. Delete these account per my written instructions. 

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

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 2023-05-13
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:
According to the Fair Credit Reporting Act ( FCRA ), you are required to promptly delete all information that is inaccurate, incomplete, or unverified. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed 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 2020-10-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XX/XX/XXXX and XX/XX/XXXX CRA. On XX/XX/2020, I mailed Equifax, XX/XX/XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: U.S. BANCORP
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I was burglarized in XXXX XXXX while on vacation. Stolen items included my US bank debit card and my US cell phone. When I called US Bank they locked the stolen card and told me that they were sending a replacement to a XXXX address that would have provided the card to me in XXXX XXXX via a mail forwarding service. That was never fast tracked or sent. 

The theft of my US cell phone is important because that number allows account authentication for various things and US Bank was informed that it was stolen and I would not be able to replace it until I returned to the US. I was told this was not a problem as I was able to provide all other verification information. 

I called again days later and set up a new request for a card which US Bank again told me it was on the way. That also was never fast tracked or sent. 

I called a third employee identified as a manager who took a new address to send a replacement card priority and that employee never sent the card to the address provided. 

Finally I called again on XX/XX/XXXX and was told by the manager that most of the things that the previous employees had promised to do were things they were not able to do due to security concerns. 

As a result I have spent 10 days trapped in XXXX XXXX with no access to my money while waiting for US Bank to provide the cards they promised. 

Todays conversation with what is now my fifth US Bank customer service rep was condescending and in my opinion untruthful. It is clear that US Bank has failed to clearly, accurately and fully disclose all information around the services and products they provide to me. 

Had the bank from the start told me that there were any issues issuing me a new card while I was abroad I wouldve pursued other options. 

Waiting 10 days for the promised replacement cards has had a substantial negative impact on me, my finances in my ability to do my job. 

The problem is exacerbated by the fact that I am having to call on a prepaid cell phone I was forced to purchase down here and continually load the XXXX. Constantly getting put on hold or transferred to somebody else who I then have to refresh the story with is unacceptable under the circumstances.

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 2020-02-07
Company: Apothaker & Associates, PC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Now I've disputed with both XXXX XXXX  and the lawyer who is representing them. I did not recieve any letter in the mail that I was being sued, court date or anything to challenge them. I requested numerous times and disputed with letters this account. They can't produce anything. No copy of any original contract with signature only copies of statements which aren't proof at all. They did not send me anything that they are producing to the bureaus as 100 % verified and accurate. They directed me to their lawyer and I received nothing but a letter today of court. XXXX said they have nothing with my signature and everything was started online. All this is done without my knowledge. Instead of addressing this issue and since they couldn't prove anything a lawyer is involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-01-17
Company: Experian Information Solutions Inc.
State: DE
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-05-13
Company: Experian Information Solutions Inc.
State: MA
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 Acct XXXX XXXXXXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX Acct # 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 an 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 2023-08-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XX/XX/2023 hard pull, which I never authorize after I preadventto the credit. I wastold they caan ny other business cancould if I don't have a credit lock package with the reporting agency membership at a cost. 
Now this is affecting my score. 

XXXX XXXX XXXX got a copy of your Experian Credit Report. 
XXXX XXXX XXXX recently checked your Experian credit file for an installment loan or new bank account. When you apply for certain types of credit, a hard inquiry is placed on your credit file and stays on your report for about XXXX XXXX : Experian Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX WHAT NOW?

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: Bread Financial Holdings, Inc.
State: MO
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:
XXXX took over from XXXX XXXX  XXXX XXXX Credit Card. At the date of the switch, I had a balance of {$1900.00} with XXXX that switched to XXXX. I never received my card from XXXX so I was never able to activate my account or access it online. Nor was I able to send payment with the correct account number, since I didn't know what the account number was. The payment was due on XX/XX/XXXX. I used online bill pay with my bank, XXXX, to make the payment. They mailed a check, # XXXX to arrive on XX/XX/XXXX. On XX/XX/XXXX, I received an email from XXXX that my payment was now due on XX/XX/XXXX, so I called them on XX/XX/XXXX. They claimed not to have received my payment. I emailed my bank on XX/XX/XXXX. I asked them if they had the canceled check. They emailed me back that they did not on XX/XX/XXXX. I then asked them to stop pay on the original check and send a replacement, which they did on XX/XX/XXXX, ck # XXXX. On XX/XX/XXXX, I called XXXX to see if they had received the replacement check. They said they had posted a payment of {$1900.00} on XX/XX/XXXX, two days before I had called them the first time. I asked them why they had told me that they didn't have my check on XX/XX/XXXX. All she would say was that the check was returned, but payment was not stopped until XX/XX/XXXX, so they had my check on XX/XX/XXXX and had even posted it, but lied to me about it. And there is no reason that it should have taken until XX/XX/XXXX to get the check since it had been mailed to arrive by XX/XX/XXXX, so they deliberately held the check until after the due date to charge late fees and interest. I contacted XXXX today, XX/XX/XXXX, and am told that the second check is still outstanding. So despite the fact that it was sent on XX/XX/XXXX, it appears that XXXX is again holding it until after the due date. They do not accept ACH payment. They allow payment on their website, which I couldn't access since I never got my card from them. They allow payment over the phone but they charge for that. So they basically forced payment by a mailed check and then hold the check long enough that they can charge interest and late fees. And they are wrecking my credit with this practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted the company XXXX XXXX XXXX service but they are closed. My loan was transferred to XXXX and my credit report shows the same amount for XXXX XXXX XXXX  and XXXX as if I own both loan services. I have also received a letter stating that my loan has been forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have had a Capital One credit for almost 4 years. Capital One still refuses to raise the credit limit and they use every excuse possible first from not enough payments made to inquiries on credit report. Capital One still has me with same {$700.00} credit limit for XXXX  years with no negative items on credit report and never late. Every time I ask for a credit line increase its always the same excuses. Theres also an option to sign up for over the limit purchases but thats not true they wont even approve {$1.00} over the crowd limit. Ive submitted complaints before to the CFPB against Capital One. They pretend it goes to a executive office and they actually look into it but really they dont all they do is just type up a fancy letter and send pretending what they said they would do. I am writing this review mainly so other customers can see how awful Capital One is. Even when my credit score was around XXXX they still would not raise the credit limit they would use every other excuse possible. Plus its pathetic that they have an option to go over your credit limit and then when you try to go over the credit but even a single dollar for an emergency they wont approve it. Of course Capital Ones gon na say that purchases are based on their discretion so thats the loophole or excuse that they can make but whats the point of having an option to go over the credit limit if they wont even allow you to go over by a dollar for an emergency. So I would not recommend Capital One to anyone they are ok if you have a low credit score but other than that theyre awful its better to go with XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. Plus anytime you call customer service too youll get someone overseas that just reads off of a script and doesnt understand most questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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: ALLY FINANCIAL INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2022 fraudulent charge of {$70.00} was reported to Ollo. Card was cancelled and replaced. I have not used the card since paying off the balance in full of {$760.00} on XX/XX/2022. I have called the company to attempt to get the incorrect reporting of me being 30 days late on my payment in XXXX corrected, I provided a police report, I have wrote Ollo a letter, I have filed multiple online disputes, and I have filed a previously complaint with CFPB and yet Ollo or Ally still continues to report me as being late on my payment when I owed no payment due to the charges being from a fraudulent charge. The balance to the account has been corrected but late payments are being reported on my credit due to the fraudulent charge of {$70.00} in XXXX. I am requesting that any and all late payments that have been reported by Ollo after XXXX are deleted because it is affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: IN
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:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove 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 non-monetary relief