BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: GA
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:
Please remove all inquiries and inaccurate accounts from all bureaus listed on all three credit report because it does not belong to me.

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 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. 

EXPERIAN INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-12
Company: Bread Financial Holdings, Inc.
State: SC
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:
My XXXX XXXX was dropped XXXX XXXX POINTS for late payment. first off all, thats a ridiculous amount. second, there was no late payment and ive paid OVER THE MINIMUM AMOUNT EVERY PAYMENT. This needs to be fixed because that is a very drastic change for something thats not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Quicken Loans ( or Rocket Mortgage ), is incorrectly attempting to classify my house as a multi-family ; despite me having contradictory information from the town and willing to provide it and obtain it for them during the refinance process. 

On XX/XX/XXXX I was informed they where going with a multi family appraisal evaluation on my residence despite this and other inaccuracies on the appraisal report and rocket Mortgage didn't want to me to provide any documentation otherwise contradicting this ( as I had prior appraisals, information from the building department, brokers opinion, prior loan paperwork and more ) as this matter was considered closed. I was told they would not even refund my deposit ( paid XX/XX/XXXX ), I informed them that I believed this was even a form a fraud to which they didn't care and XXXX then asked that I refer any issues to the general number. 

My only options left today to are work with different banks at high rates ( as rates have gone up ) or go back with them and not get the correct financed amount and possibly pay a PMI and receive improper valuations costing me money in other ways. this mistake on their part, in addition to now costing me time, will cost me possibly tens of thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
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:
On XX/XX/2022 My information was used to open a loan with XXXX XXXX XXXX XXXX  '' for an about of {$26000.00}. I did not open this loan nor have I authorized this loan to be open and I have not gained anything from this loan. This loan was opened due to identity theft. I do not know who the thief was nor how they got ahold of my information however I have contacted this company multiple times letting them know of my situation and they have done absolutely nothing to help assist me with my case.

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 2023-01-08
Company: CITIBANK, N.A.
State: GA
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:
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  Dear Citibank Associates : I have received a letter with your investigation results and I am formally asking for an appeal because I do not agree with your findings. First, I have not been informed of the arbitration details that caused you to deny my request to refund the inappropriate charged amounts to my account. Second, I would like a clear understanding of why the details, documents and information I have provided to you is inadequate to prove that I did not receive items charged to my account and hired other vendors to complete the improvements to my home. Third, I would like to know why even though the information I sent to you was pushed back from the merchant, that you, the company that I have done business with for two decades, has not protected me with your own fraud resources.

I look forward to your responses. 
Respectfully submitted, XXXX XXXX XXXX CITIBANK CUSTOMER SERVICE 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 explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Experian Information Solutions Inc.
State: NV
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 USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without 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 2023-06-03
Company: Bridgecrest Acceptance Corporation
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Hi Ive been in the hospital I was paying on my loan monthly company didnt tell me about charge off nobody called me I told company I was saving up to make more payments.They charged off my loan without warning and didnt tell me I had to call them to be notified very very poor customer service I had enough for 3 pmts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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: Was not notified of investigation status or results

Complaint:
I XXXX XXXX, have filed a dispute with the respective XXXX credit bureaus XXXX, XXXX, & Equifax. It has been well over 30 days since I filed an FTC report under # XXXX and sent it to the three credit reporting agencies on the XXXX of XX/XX/XXXX in which it is now XX/XX/XXXX 44 days and have not heard anything back! However, not only has these bureaus ignored my request for inaccurate information contained on my credit report they have sent me irrelevant letters stating that these disputes are not from me and that I must send identification for proof of identity in which I have already included in these letters. I am not horsing around with these credit reporting agencies that believe they have the authority to supersede the law in which I am demanding respectfully to be provided proof of these alleged items, specifically the contract, role or other instrument bearing my signature that verifies these alleged accounts or I will be filing a claim in federal court if these are not removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company is trying to cancel on a debt that has been a charge-off. This constitutes TAX FRAUD, and the matter will be reported to the IRS! I will be filling IRS Form 3949-A. 

Capital One have furnished this account as a charge off. Capital One is in violation of the Fair Credit Reporting Act 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-13
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XXXX, 2023, I opened US Bank XXXX checking account with a premise to receive {$300.00} or {$500.00} opening bonus with qualifying activities, final amount of the bonus depending on amount of direct deposits received to the new account. I met all the requirements and easily exceeded minimum direct deposit requirement by the end of evaluation period, and based on the account opening date, the opening bonus should have been deposited to my account on XX/XX/2023, at the latest. However, I have not received the bonus and have been unable to get help from US Bank in resolving this.

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 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report. 

XXXX XXXX {$2500.00} XXXX XXXX  XXXX  XXXX {$340.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$630.00} XXXX  XXXX XXXX {$760.00}

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 2023-02-03
Company: EQUIFAX, INC.
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:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX NC XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX I do not wish to have any telephone numbers on my report. 
Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. 
Sincerely, Name 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 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, 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:
On XX/XX/2020 I attempted to access my free annual credit reports from XXXX because it promotes itself as the company selected by the federal government to assist people in obtaining their credit reports. 

Long story short the website did access the credit reporting agencies for me but in the middle of me trying to view my credit reports its link timed out and I was not unable to view 2 of the 3 credit reports and unable to download 2 of the 3 credit reports as well. When I tried to access XXXX or XXXX Credit Reporting Agencies after being timed out I was unsuccessful and equally unsuccessful getting any type of assistance from XXXX. 

This is completely unacceptable behavior by XXXX and the company needs to be replaced and soon too by a competent merchant which knows the importance of good customer service because this company and that is quite evident by the fact that it has no phone number available for customers. I have sent this company numerous emails since it shafted me and they have all been ignored. I haven't received a response from the company and don't expect to because it's remiss in its duties to its customers. 

XXXX needs to be replaced by a competent company because it's very obvious this company does not care about it's customers and is profiting from its relationship with the federal government and little more. Poor customer service is this company 's trademark and it needs to be replaced immediately at least terminated from any type of official relationship with the federal government as it pertains to free credit reports and the like.

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 2023-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, I am currently in a small coastal town in XXXX and my US phone and XXXX don't work here. 
When I try to log in to my Cap One accts it says I need additional verification and offers only one option : call or text on my cell phone. 
Below it says if that is not an option press here. I press and get a cheery message saying No problem just call this number and we'll get you access to your accts. Well I can't call using either cell or XXXXXXXX XXXX so I download and pay for XXXX and call the number. 
So far since last week I've logged hours talking to a variety of people with a variety of titles and not one can offer me a way to access my accts to check transactions and pay my bill on time. 
They do all apologize however. 
In the past they would ask XXXX like... what was the name of your best friend in kindergarten or what is your sister 's dog 's name, etc. That is no longer an option they say. What option have you replaced it with ... ..well ...? 
Also I ask why do you offer the XXXX number ensuring me that that will solve the problem ... .well... 
I suggested that they look into XXXX XXXX XXXX XXXX and one person had heard of it but apparently it is not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Central Portfolio Control Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Creditor : CENTRAL PORTFOLIO CONT Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX I have repeated received an incorrect collection on my XXXX credit report for medical fees in the amount if {$1500.00}. 

I have disputed this collect 2 times in the past and had it removed from my credit report because the creditor Central Portfolio could never produce the requested evidence to support that I owed this debt. The creditor has not produced any documents whatsoever. 

2 times I have had to get this collection removed from my report and the creditor waits a few months and then assigns the same collection to my report, without furnishing any supporting documents. 

XXXX is the only credit bureau that allows this to happen. XXXX and XXXX have not allowed this creditor to abuse my credit report with such false and determinantal false collections. 

I want this creditor to remove this collection immediately and indefinitely, or be fined for abusing the rules, statues and regulations set forth by the CFPB.

Company response to consumer: Closed with explanation