BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: AZ
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:
In accordance with the Fair Credit Reporting Act, these two accounts below have violated my federally protected consumer rights to privacy and confidentiality, and fairness in the consumer market. 

Account # XXXX Account # XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.C.S 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 adverse item of information, other than records of convictions of crimes 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 they person knows or has reasonable cause to believe that the information is inaccurate.

I disputed these two accounts, and they were verified despite there being inaccuracies of date of account and address.

One of these accounts was repeatedly re presented to cause repeated injury to my credit, an account from XXXX presented as new repeatedly in XXXX, and the consumer reporting agency allowed this. 

The agency did not furnish me with a report on the investigation on how they verified the account which in itself is another violation of my consumer rights, as per Fair Credit Reporting Act ( FCRA ). Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumers file if the consumer alleges the item to be inaccurate. 

With regard to this I would seek remedy as is statutorily my right to do. This is unfair. The debt was incurred as a result of the pandemic and issues with the property and landlord, and there was considerable dispute such that it was an unfair assault on my credit to allow it to be repeatedly presented as a new debt, the original company refused to investigate the issue and assist me at a time of need. 

There must be rules on CRA allowing furnishers to attack the credit of a consumer in this way? 

I am seeking consolidation loans to assist with managing my debt and to finance my business growth to increase my income, towards buying a house etc and these erroneous statements on my credit are negatively impacting my life.

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My credit score has yoyo 's from low 500 to upper 700 's without cause in XXXX and XXXX thus far. I have made on time payments for past XXXX years on all debts and bills. I have paid off in full several lines of credit/loans. My income has increased steadily in this same period of time, my debts have been paid, or paid off, and initially saw my score climbing as one would expect. Then without cause or notice it plummeted back down to XXXX  and low 600 and has stayed there in spite of flawless financial performance and decreases in debt, and increases in income. I attempted to find out why this occurred and received no responses. In the span of last 12 months, my credit score has yoyo 'd by almost 200 points, IN this same period, my wifes score, has steadily risen and remained high as one would expect given our efforts in bill payment and payoff of loans.. She has no income other than our shared income, nor debt other than our shared debts. I think I am being confused with someone else financial performance and inappropriately scored, which has a significant impact on my personal finances.

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 2023-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I sent Capital one checks to pay my account and they held the checks for an extremely long time and then marked my account late. Then to be sneaky they didn't cash the checks I sent but turned around processed the payments via ACH and didn't return my checks to me. I didn't want any payments going through my account via ACH. I never gave them permission to do this and they did it anyway. Now my credit is suffering for late payments that were not late.

I need to know where my checks are?

I also need to know why were my checks ran as ACH without my permission. 
I also need you to remove all the negative remarks that are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Idaho Housing And Finance Association
State: SD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
HomeLoanServ set up a loan modification with me. The agreement was that I was supposed to make three months of on time payments and then the modification would be completed. I had the third payment completed by XX/XX/. I was told that XXXX would be processing the paperwork for the modification. I didn't hear anything. I called in several times since then and was told that there was a rare glitch in the system or something. XXXX told me that he had told his supervisor about it and they would work on it. I called in several times after that and was told by multiple reps that they weren't sure what the hold-up was, but to keep making my payments. I then received some mail about a modification with past dates on it. I was confused, so I called in. I was told that they must have forgotten the paperwork even though I had already completed previous paperwork and the three months of payments. I sent it in as I was told. I called in several other times and was told by the reps that they couldn't see what the issue was. One rep at the beginning of XXXX told me she could fix it but didn't want to because maybe she didn't have the whole picture. She then said she would contact XXXX. I said I would email him. He responded saying that, " For some reason our system is trying to convert the workout we have with you to a different one. My supervisor is aware and she is working on correcting the issue. '' That was on XX/XX/XXXX. I emailed him again on XX/XX/XXXX saying that I had gotten a credit report notice that my mortgage was severely behind and it was knocking the score down further. I also stated that I was accruing late fees from them still I didn't receive an email. Today I called again. The first rep. said that I had to wait another 120 days. That didn't seem right, so she said she would have a supervisor contact me. I hung up and called again because no one had ever told me that I would have to wait another 100 days after completing the third payment. She was rude, so I called back. That rep. told me what all the others had, minus the first one from this morning, that my paperwork should not have been held up. I bawled. I'm trying to get myself out of a financial pit after divorce and a car accident. I can't get help with a credit score that keeps dropping because it shows that I'm almost a year behind in my mortgage. She sent XXXX an email. I called three more times today. One rep was named XXXX. She refused to let me speak with a supervisor, but she said she would send an email to one. The last person put me on hold for ten minutes and then nothing... I can't get any help. Please, help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 an 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 or 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 non-monetary relief
Consumer complaint received 2023-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Dear Consumer Financial Protection Bureau, I am writing to report a violation of the Fair Credit Reporting Act ( FCRA ) by CAPITAL ONE NATIONAL ASSOC On XX/XX/XXXX, I discovered that CAPITAL ONE NATIONAL ASSOC had conducted an unauthorized " account review inquiry '' on my credit report without my consent or knowledge. 

I contacted the bank and requested an explanation for the inquiry, but they were unable to provide a satisfactory reason for conducting the inquiry. I also requested that they remove the inquiry from my credit report, but they refused to do so. 

I believe that the bank 's actions are in violation of the FCRA, which requires that creditors obtain the consumer 's consent before conducting any type of inquiry on their credit report. CAPITAL ONE NATIONAL ASSOC unauthorized inquiry has caused me undue harm and has the potential to negatively impact my credit score and creditworthiness.

I respectfully request that the CFPB investigate this matter and take appropriate action against CAPITAL ONE NATIONAL ASSOC. I also request that the bank be required to remove the unauthorized inquiry from my credit report and provide me with written confirmation that the inquiry has been deleted. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: NY
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 recently requested a validation of debt under FDCPA. I AM INVOKING MY RIGHTS UNDER FCRA 611 ( a ) ( 7 ) to request comprehensive description of all methods employed to verify the collection account being reported. If the debt can not be validated within the 30 day period mandated by the FDCPA. I REQUESTING THE DEBT BE REMOVED FROM XXXX, XXXX and EXPERIAN.

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 2023-03-22
Company: EQUIFAX, INC.
State: NE
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.

Account name : XXXX XXXX XXXX XXXX. Account # XXXX, Account name : XXXX XXXX XXXX XXXX. Account # XXXX, Account name : XXXXXXXX XXXX XXXXXXXX Account # XXXX, Account name : XXXX XXXX XXXX. Account # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I HAVE DISPUTED SEVERAL ACCOUNTS THAT'S NOT REPORTING ACCURATE INFORMATION

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 2023-03-22
Company: Experian Information Solutions 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:
I am submitting this CFPB Complaint to dispute the presence of certain items on my credit report, which I believe to be fraudulent. I have previously disputed these items, but they continue to be reported on my credit file. I am requesting that these items be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b. Please take a look at the following items : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$4900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. As you are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
These 4 student loan accounts were disputed for showing incorrect information. The report came back verified but that would be impossible because it shows late payments incorrectly. It jumps from XX/XX/XXXX as paid to XX/XX/XXXX as 90 days late then XX/XX/XXXX as 120 days late that's impossible. This report has been reported falsely for over 3 years and they will not conduct the proper investigation. 4 accounts not being shown as 4 120 day and 90 day late payments shows up as 8 late payments for over 3 years when they were never reported correctly to begin with. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have banked with Capital One for a very long time. I haven't file a dispute in all the years I've been with them. I submitted documentation for a botched car repair and they refuse to refund me the amount spent with the company. I took the car in for a second opinion and paid another {$730.00} and they said it is not enough information to resolve my dispute when my car was having the same issue when I paid for it to get fixed the first time. I refuse to take this charge. I trusted the credit card company to solve any valid disputes I may have, that's why I use my credit card. I trusted the repair shop and now I'm out of over XXXX dollars. The credit card company basically told me they are not siding with me and I have to resolve the dispute with the merchant but he is not willing to solve the issue especially after me getting my car fixed elsewhere. This is so unacceptable and I need a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Paypal Holdings, Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a Venmo account recently and someone close to me came into my home and wiped me clean of most of my accounts and banks including my Venmo and locked me out of my new phone and number. Locked me out of my emails. I regained access to my email and locked them out of my account. The police have XXXX  her and XXXX  her pending charges. Venmo tells me I owe them money and they banned my account when Ive never even had a Venmo account. My identity was stolen last year and someone filed my taxes and opened many cards in my name. Ive not heard about Venmo having an account for me. They are holding my funds and will not respond to my requests for email. The account specialist was very rude and told me that they were going to ignore me from here on out basically. I am requesting my funds be given back to me and me be able to make an account with Venmo. It is not fair that identity theft is still causing me this much pain and suffering. Please give me my money and access to my account back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: IL
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. 

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 an 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 or 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I am trying to set up some systems with my mortgage holder, XXXX. They bought my mortgage from XXXX XXXX in mid XXXX, and since then I have been unable to contact them. Their phone number is incorrect and results in a failed call. They also claim I have an outstanding debt on my mortgage which I don't ( and never have ). They do not answer emails, and the live chat disconnects you after a few moments. 

I have read other reports that they change aspects of the loan agreement without contacting the client. 

There is something XXXX  wrong with this company, and as they can not be contacted, this is a disaster waiting to happen. 

Please, please look into this. This is a high stress situation for something as simple as paying for a mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation