BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: GA
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.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: TX
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 trust this letter reaches you promptly. I am writing to reiterate my deep concern and frustration regarding the delayed opening of my accounts. Despite my initial complaint the issue remains unresolved, causing significant inconvenience and distress. 

I understand that unforeseen circumstances can lead to delays in processing, but the prolonged nature of this situation is impacting my financial plans and causing undue stress. 

I am making a second attempt to request the following actions be taken urgently : Expedite the process of opening my accounts and ensure their activation at the earliest convenience. 

Improve communication regarding the status of the account opening. I request real-time updates on the progress made and the expected timeline for completion. 

Given the extended delay and the inconvenience caused, I kindly request that you consider appropriate compensation or accommodations for the stress and financial disruption experienced. 

I emphasize the urgency of resolving this matter promptly. Your institution 's commitment to customer satisfaction is crucial in maintaining a positive customer-business relationship. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX XXXX Balance : {$35000.00}.

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 2023-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish any account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: DISCOVER BANK
State: IL
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:
Approximately in XX/XX/XXXX, Discover Card demanded that I send two years of my federal income tax returns to XXXX in order to prove who I was. This was for the Discover Card that I had since XXXX with an initial credit limit of {$8000.00} ( my credit limit was reduced in XXXX after I made substantial payments to Discover and other companies, without late payments ). I was trying to improve my credit rating. This is one problem.Going back to Discover demanding my tax returns in order to know who I was, I refused to comply with that request and discussed my concerns several times with Discover representatives who only replied, " This is our policy ''. I responded, " Discover knows who I am. I have had this account since XXXX and the other since XXXX. Additionally, in XXXX of XXXX, I stated, " Since Discover doesn't know who I am and I can not use the card, send me the {$4700.00} payment back that I just made so that I can continue to pay other cards off that allow me to use my card/s. they refunded me {$4600.00} via an electronic transfer after satisfying the current bill. I called discover back and asked, " How do you credit a {$4700.00} payment to me and return {$4600.00} back to me if you do not know who I am? ". After calling Discover 's Consumer Complaint # about one of my accounts being closed for no reason, they closed the opened account without any notification and stated about the first account closed that they would report that to the credit reporting agencies. As of today, I have not receive any notification that the second account would be closed. I found out when i tried to order a birthday card for my cousin. Closing my account may cause my score to drop. I paid my bills on time and i should not have closed accounts because i do not want to send my tax returns to Discover by way of a third party, especially for accounts that I have had for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 2023-03-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a new house in XX/XX/XXXX using XXXX XXXX and XXXX XXXX from XXXX XXXX XXXX and they use Rushmore loan management to service their loans. so I made a payment on XX/XX/XXXX. On XX/XX/XXXX, they sold my loan to XXXX and I received documentation outlining that. However, when XXXX contacted me they said they received my loan and all information with it but did not have a record of my payment. I was told by them to seek reimbursement from Rushmore. When I reached out to Rushmore, I was told they sent all information to XXXX including the payment and they would not be issuing a refund. At this point, I am out {$4800.00} and no one is taking any responsibility on how to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Resurgent Capital Services L.P.
State: GA
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 account was reported as identity fraud and it was sold from XXXX XXXX when acct charged off to LVNV Funding back in XXXX then I sent them my paperwork. I have tried to contact them and no action. I tried to go through the XXXX and XXXX to dispute but everytime this company states that the information is accurate. This company keeps reporting negative on my credit as a collection. The latest update was on XX/XX/XXXX. This company is till showing a balance on the collection acct for {$690.00} and also another account for {$990.00}. I have disputed this accounts at least 4 times to no avail. This account is illegally reporting this negative information on an account that is over the statue of limitations for collecting in Georgia. I have disputed this account from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: American First Finance, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am currently 2 weeks behind on a payment. I contacted the company and acknowledged the issue. 
On XX/XX/20, between XXXX and XXXX. 
I received 12 text messages in 1 hour from the company telling me to pay it. 
I contacted the company and asked them to stop, they said no and it turned into an argument. This contact was made after XXXX and then received 2 text messages again with in the first half hour. 
So now as I am writing this message, we are at 15 communications in 1.5 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: LA
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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2022-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One closed all 3 of my credit card accounts without any warning in XX/XX/2021. I had been a Capital One client for several years until all my accounts were abruptly closed. Until then, I had impeccable payment history. I used 2 cards for myself, and my brother was an authorized user on the third. All my cards were closed because my brother, who had been making timely payments until XX/XX/2021, was unable to make payments because he became very sick with XXXX. He also got XXXX brain, which is a well known long term neurological complication of XXXX, and lived in a brain fog for months. He had payments through automatic withdrawal, and the payments were declined because of NSF. He did not realize that he did not have money in his account because of the brain fog. His business also suffered immensely for the same reason. Because of nonpayment, all 3 cards were closed down. As I am the one responsible for the payments, I have been making payments to the card since then. I took over payments as soon as I found out about the missed payments. However, even though he is an authorized user and I am the primary account holder, neither of us were contacted by Capital One even once. 

I just found out about my brother 's illness last summer. He was in Arizona and I live in Illinois. He told me about his illness last week, as he finally seems to have recovered completely. I had requested a reinstatement of my cards earlier based upon my payment history, which was impeccable, prior to the missed payments. I requested it again with the new facts, and got a refusal again. 

I am an XXXX Department physician. Although unimaginable as it might seem to me, it does look like Capital One missed the pandemic. I am sure my brother was not alone in failing to make payments because of XXXX. A person suddenly stops making payments in the age of XXXX and Capital One 's response is to cut the credit card. Appears to me to be a violation of the CARES Act, not giving a client the chance to make payments and acting punitively against a XXXX patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: VA
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-11-29
Company: Experian Information Solutions 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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-07-20
Company: Experian Information Solutions Inc.
State: NM
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.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: TX
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:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

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 2019-08-23
Company: TrueAccord Corp.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
O. XX/XX/19, I submitted a complaint relative to TrueAccord, a debt collector, regarding attempts to collect a debt not owed. On XX/XX/19 TrueAccord provided a response wherein they requested I provide them with an FTC affidavit to provide to the creditor for an identity theft investigation. On XX/XX/19, I provided via email a copy of the requested document and asked for an update as to the status of the three accounts. On XX/XX/19 XXXX XXXX replied on behalf of TrueAccord and advised that they could not find my information in the systemdespite reporting three accounts opened in my name. On XX/XX/19, I against emailed XXXX requesting a response. On XX/XX/19 XXXX XXXX on behalf of TrueAccord responded via email advising they were reaching out to their client XXXX and would provide an update within 7-10 business days. As of this date, a response had not been received, the accounts remain in my name, and I am no longer receiving response from TrueAccord. If TrueAccord and their client can not provide validation to substantiate that the accounts were in fact opened and authorized by me then they must be closet and I am to be absolved of any further liability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: MI
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2020-05-01
Company: ALLY FINANCIAL INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to incorrect items on my credit report. Its been well over 30 days and I havent received any investigation results.

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 2022-03-18
Company: BANK OF THE WEST
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of the West has been charging me {$35.00} fees for transactions unknown to me of origin. I have contacted their support but just get no help at all. As a result I have quit using the account completely but I keep getting {$35.00} fees charged for these transactions. Now today I was informed If the fees aren't paid in 5 days they charge extended unpaid fees. The only money owed is their fees amd I refuse to pay. I would list the charges here but there is wo many ( many I paid in the past months ) its un manageable and I feel they are taking advantage of people. I have written them informing them of the laws about frivelous fees with banks but they do not acknowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/XXXX I contacted Experian and XXXX to remove the free trial they wouldn't do it, told me if I didn't pay the XXXX my credit file will remain closed and locked, if this is legal tell me how to go about moving to another country cause this by far is against the law

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 2022-03-18
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: Account status incorrect

Complaint:
Hello, I contacting CFPB because XXXX XXXX  XXXX has me listed as being late 30 days back in 2017 and that is not accurate. I have never been late with them. I reached out multiple times to have it resolved but it's still on my report. This is causing major issues as i'm trying to purchase a home. Thank you for your help!

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