BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-08-22
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:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX Phone : XXXX Re : Dispute of Account # XXXX ( Previously : XXXXXXXX XXXX XXXX ) To whom it XXXX concern, I am writing to formally dispute the validity of the above-referenced debt based on my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e. This provision prohibits a debt collector from using any false, deceptive, or misleading representation or means in the collection of any debt.

Furthermore, I have concerns regarding potential violations related to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, regarding permissible purposes for furnishing consumer reports.

I also want to underscore that according to guidelines from the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), any deceptive debt collection practices may result in severe penalties. 

Please review this matter and provide evidence that supports the validity of the debt in question. If you can not validate this debt, I expect its removal from my credit report and a written confirmation once it has been done. 

Thank you for your immediate attention to this matter. I anticipate a timely response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I called Ally Financial to question the debt? To question my extention of credit to Ally as a consumer and i realize i am accused of having a debt. I have not received a title for a XXXX XXXXXXXX. I was pressureed to put a down payment down for a credit transaction. My credit score has been damaged by negative inquiries from ally bank that should be removed. I have called to speak to a underwriter and was denied access.

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 2022-04-02
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: CA
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:
Ability recovery services is reporting a debt from XXXXXXXX XXXX. I have never attended or provided any information to either company. Ability recover last responded that they couldnt located the account but when I disputed the account from my credit they stated they verified it. Ability recovery services cant provide an application, or any information related to this alleged debt and neither can XXXX XXXX. They literally are just trying to collect a fraudulent and fake debt that doesnt even exist. This is clearly a violation of FCRA.

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 2023-08-02
Company: DISCOVER BANK
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
We received an escrow statement dated XX/XX/ stating that our monthly payment would be increasing by approximately {$200.00} per month this year, beginningin XXXX I called to find out what the reason for the significant increase was and was told that the value of my home had increased and therefore my predicted taxes were increasing. When I told the representative that my taxes have never increased that much and wanted to know the basis of the calculation, I was told " they have a formula '' and the burden of proving a less significant increase in this year 's coming taxes was on me. This then prompted me to make several phone calls to my local township, XXXX XXXX XXXX and the XXXX XXXX Tax Assessor. My property has not been reassessed. Today I spoke to XXXX on PHH 's Escalation Team and realized that my increase is due to an escrow mistake where PHH underestimated my local township taxes last year by over {$1000.00}. When I asked if my {$200.00} monthly increase is due to making up for last year 's miscalculation, he would not give me a yes or no answer and offered no apology. Many consumers can not afford a sudden and significant increase in payment with approximately 6 weeks notice and that may cause significant financial hardships. PHH knew of the error in XXXX and legally, I believe that we should have been contacted within 30 days of the error regarding correction options at that time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: LFG Data Services Holdings, LP
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested toLCI, Lundquist Consulting , Inc. to freeze and delete my personal file they have on me. I have reached out to them with certified mail and phone calls at XXXX with no response. I then went on to the opt out page online and put my name and email in to opt out and got and error message. I then call another number at XXXX and left messages again with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-18
Company: EQUIFAX, INC.
State: MA
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: Investigation took more than 30 days

Complaint:
Company did not conduct independent investigation on errors on my credit report. They utilized eOscar to verify all derogatory accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
In XXXX I put a credit freeze on all three credit reporting agencies. About a year ago, when attempting to unfreeze my Transunion credit temporarily, it had a status of 'UNKNOWN ' listed online. This status has remained each time I logged in over the past year so I finally called on XX/XX/XXXX to find out what was going on. It turns out someone else was able to change the name associated with my credit to his name. As such, Transunion placed a security watch on my account and left it as 'UNKNOWN ' ever since. Several things are wrong here : 1. The controls Transunion has in place failed and someone was able to change my name to his. Shouldn't there be a hard stop in the system to prevent this without manual updates from a Transunion rep using support documents to allow this change? 
2. I was NEVER notified of this fraud occurrence. This is another control failure. Shouldn't the impacted consumer be notified? 
3. When I spoke to the agent last week, I was informed that XXXX XXXX : XXXX was opened and a representative would call within 24 hours and that should have been on Monday XX/XX/XXXX. That call never came. Instead, 4 business days later, I received an email to call Transunion. I attempted to call THREE times and each time a text came through to ask a question and the call would disconnect. 
4. I was told during my call on XX/XX/XXXX the 'UNKNOWN ' status would be rectified. I just checked this morning and it still remains.

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 2023-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: NC
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 checking my equifax online, I noticed another account being merged with mine. We do have similar names and other similar information. We have two diffrent social security numbers. Mine ends in XXXX and I am seeing some one elses report ending XXXX. This is a huge breach in privacy and is affecting my and this other individual as I see a collection of mine and a hard inquiry of mine on this other report. Equifax needs to get this fixed and stop reporting my information to this other credit profile as well as stop reporting this others profile 's information to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I obtained a Home Equity Line of Credit ( HELOC ) with Quicken Loans in XXXX of 2013. The equity line was originated as a 2nd loan behind our 1st mortgage. At that time, our loan balance on our 1st mortgage was {$500000.00} with an interest rate of 3.625 %. 

We are now in the process of refinancing our 1st mortgage at a lower dollar amount {$420000.00} ( NO cash out ) with a 2.75 % interest rate and the loan has been approved and the lender is ready to issue loan documents. Unfortunately, Quicken loans is not cooperating and practicing unethical and very likely unlawful business practices. 

I am attaching the email received directly from Quicken. In order to refinance the 1st mortgage, Quicken has to agree to STAY in 2nd position as they have been for the last 7 years since the origination of the HELOC. Quicken is stating that they will not " subordinate '' any longer unless you use a Quicken or XXXX XXXX 1st mortgage. My understanding is that XXXX and Quicken have an affiliated business relationship as our mortgage originator for the HELOC in 2013 was a XXXX XXXX employee. 

That said, this seems like an obvious RESPA violation. Quicken is  steering the consumer to using ONLY their loan products by holding the subordination requests hostage. I would understand if the HELOC on our residence was in 1st position, but this is NOT the case. They have always been junior to the 1st mortgage. I believe these unethical business practices will cause great harm to the consumer. I am trying to lower my monthly obligations by reducing my interest rate without incurring any more debt on the house. It's simply a rate and term refi which also lessens the risk to XXXX by allowing me, as the consumer, to lower my interest rate on my 1st mortgage and lower my payments, substantially, without incurring any additional debt! 

My wife and I have excellent credit and more income now then we made upon the origination of the HELOC. There is no logical reason for Quicken to hold the subordination request hostage. 

Given Quicken loans is one of the largest residential home lenders in the country, these business practices of steering the consumer could have catastrophic financial implications for consumers across the country and if Quicken is allowed to continue operating this way, gives them an unfair and unethical business advantage over their competition. Either scenario is bad for consumers and just bad business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRUIST FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I had a card opened with a company called Truist, a company based in North Carolina. I live in Oregon, so someone must've gotten my government identity to file for this card. They proceeded to charge XXXX dollars, overdrafting said card and potentially damaging my credit in the process.

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 2020-08-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted Equifax by certified mail requesting they provide proof of contracts between myself and the companies listed under collections on my credit file that are reporting negative information on my file. I requested to be provided with contracts between these companies and myself or for it to be deleted upon failure to produce said contract. This was my second request. They closed the dispute and said it was completed and information had been updated on my file. The first company listed on my dispute letter was XXXX XXXX in which Equifax has not provided any contract between myself and XXXX XXXX as requested. Equifax closed the dispute on this and listed the information has been verified and accurate. The second company is XXXX XXXX XXXX which is listed on my report twice in which Equifax has not provided any contract between myself and XXXX XXXX XXXX as requested. Equifax closed this dispute and stated the information I disputed has been verified as accurate and that changes unrelated to my dispute have also been updated. The third company is XXXX XXXX in which Equifax has not provided a contract between myself and XXXX XXXX as requested. Equifax closed the dispute and stated the information disputed has been verified as accurate however changes have been made unrelated to the dispute. I have attached the letter that was sent to them in which I requested proof of contracts between the above companies and myself or deletion of this negative information on my file, as well as the updates they provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
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 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 that 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 explanation
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Today XXXX I tried to login to my TU account to find it was blocked ... .they stated it was because it was cancelled. FIgured out how to finally login and put my credit card info in and my apple card was charged but they refuse to give me the service. When you talk to someone its someone from another country with a thick accent and the phone cuts in and out - when ask to speak with someone in the us they can not - when ask for a supervisor they can not- they can have them call back in about 72 hours. The FTC states that if you ask to speak with someone you can understand they are required to do so... .they are refusing. Taking money and not providing services.

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 2020-08-11
Company: Experian Information Solutions Inc.
State: CA
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 FILED A COMPLIANT IN XXXX BECAUSE I WAS A VICTIM OF IDENTITY THEFT BUT HAVE NOT GOTTEN ANY HELP FROM THE CREDIT BUREAUS

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 2022-04-02
Company: Experian Information Solutions Inc.
State: TX
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 U.S. DEPARTMENT OF EDUCATION 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 explanation