BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-29
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: PNC Bank N.A.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Rocket Mortgage paid off Balances of my outstanding debts, I took the check the cut to my Local PNC branch in XXXX XXXX, Ohio. BTW XXXX XXXX lives here XXXX his name!! The was to be paid off yesterday I went to that same Branch to have password problems resolved only find out they had not paid off the XXXX card but had hit charged me with Late fees!!! I had not received a statement since it was " paid off. '' During this time my password locked, and I could not reset it!! FRAUD!!!!!! CRIMINAL!!!! XXXX XXXX office will be notified!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, 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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
There's great concern regarding inaccurate information that has persistently appeared on my credit profile. I have diligently disputed these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) on more than three occasions. Despite my efforts and the clear violations of these laws, the concerns have been consistently ignored. This prolonged period of inaccurate information on her client credit report has had a detrimental financial impact on her life. 

It's worth noting that 15 U.S. Code 1681, which outlines Congressional findings and the statement of purpose, emphasizes the importance of accuracy and fairness in credit reporting. The intent of the law is to ensure that credit reporting agencies maintain the accuracy of consumer information. Furthermore, 15 U.S. Code 1681b mandates that credit reporting agencies must employ reasonable procedures to ensure the accuracy of the information they collect and report. 

Pay attention that 15 US CODE 1681i stipulates that credit reporting agencies are obligated to delete inaccurate information from consumers ' credit reports. Furthermore, 15 US CODE 1681 emphasizes the importance of privacy in credit reporting, and 15 USC 1681s-2 explicitly prohibits the furnishing of inaccurate information related to a consumer if there is knowledge or reasonable cause to believe that the information is inaccurate.

Additionally, 15 US CODE 1681e-b mandates that any collection or account information must be 100 % accurate across all credit reporting agencies. Please take immediate action to rectify these violations, remove the inaccurate information from credit report, and ensure that her rights as a consumer are upheld in accordance with these legal provisions. 

*** Understand 15 usc 1681 section 604 ensures her that you need her written instructions, my client stated that she never gave you her written consent or oral consent 15 U.S. Code 1681a, and last but not least you violated 15 U.S. Code 1681b - Permissible purposes of consumer reports.

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 2023-06-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 2020-09-28
Company: EQUIFAX, 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 mail my police report and ftc report with the additional documents required to get the fraudulent account block from my credit. I submitted them to equifax, XXXX, and XXXX  and it took 2 weeks for them to recieve the documents. this is what the credit bureaus said. XXXX  said that they refused toblock my fraudulent items or dispute them. Equifax wont even answer or respond. and equifax must respond within 4 business days after they recieve the documents. XXXX  took some items off but wouldnt do two of them and XXXX deleted XXXX XXXX and then put it back on there 2 days later, which is a FCRA violation of reinsertion. they have to notifiy the consumer within 5 businesss days, it was deleted friday and inserted monday. for XXXX  the two accounts, XXXX and XXXX XXXX is the two accounts they refused to deleted with my affidavits and police reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE 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: Public record information inaccurate

Complaint:
My ex-wife filed for bankruptcy in XXXX and XXXX XXXX was the only mortgage company that locked out my access to my account and turned off my autopay feature. I was forced to make manual payments each month and they would not provide me with any of my account documents or statements. Two times during the ex-wife 's bankruptcy, payments arrived late and negatively impacted my credit report. 

In XXXX the bankruptcy was closed and they refuse to give me back access to my account or send me my loan documents or statements while they are increasing my rate unannounced to me due to an insurance increase many months from now. This most recent increase that was not communicated with me has triggered a scenario where they are marking my account as deliquescent on my credit file because my bank auto-draft payments did not meet the increase. My documents and statements are still being sent to the ex-wife 's attorney even after they have been provided proof that the bankruptcy and divorce are closed. 

XXXX XXXX will not provide me access to my account on my loan in my name due to a formality where the ex-wife 's name is on the mortgage and they are trying to force me to restructure the loan and go to a higher interest rate in the current market. I am not required or obligated to refinance and should be provided access to the account again. I have spoken to the other mortgage companies I have loans with and their reps tell me that XXXX XXXX is operating under some bizarre policy that their company has created and it does not comply with the mortgage industry standard in this circumstance.

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 2019-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2018, I was a XXXX-old XXXX student with barely any credit history and an income of {$25000.00} per year, most of which came from student loans. That month, I applied for a credit card at Capital One to build a stronger credit score. 

To my surprise, I was approved for a credit line of {$10000.00} at a XXXX. At the time, I thought that I would be responsible and would not use the entire credit line, so I accepted the card agreement, not truly knowing what it meant. 

Within the first month that I had the card, I had already spent {$830.00}. As time went on, I used more and more of my credit until I had none left. Today, I owe {$10000.00} to Capital One with interest. My current minimum payment is {$1100.00}. I only have a spendable income of {$100.00} a month. My credit score is now at XXXX. Before opening this card my credit was very good. 

When I opened the card, I had every intention of paying every cent of the money that I owed. I continued to feel that way until a few months ago when I could not make a payment because I could not afford it. Now, I am XXXX payments behind because they keep getting bigger and I still can not afford to pay. 

It is a predatory lending habit to extend a credit line worth almost half their income to young people with little credit history. When I applied for this credit card, Capital One knew my age, my income, my occupation, and my credit history. They knew that it was risky to give me any credit line, let alone such a large one. They attached such a high-interest rate because I was a risky lender. 

If it were not for Capital One 's predatory lending habits, my credit would not be ruined for years to come just when I am trying to begin my life. I can't make payments on this card so my credit will only get worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian LLC Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian LLC Services I am writing to request you to delete this accounts from your reporting agencies in accordance with the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is Violating of my rights according to 15 U.S.C. 1681 Section 602 : I would like a complete and accurate record of any payments made on the debt, including the dates of those payments in all the accounts A clear explanation of the nature and amount of each interest and fee charge added to the debt.

Account on charge off does not have another secure due date should not report late payments Account activity after the account was closed Information about the statute of limitations for collecting the debt in my jurisdiction. 
Validation letter in regards to the charge-off and closed accounts listed on my credit report Any agreements or contracts related to the charge off This is Violation of my right according to 15 U.S.C. 1681 Section 602 : 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 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.

a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition Any person that furnishes information to a consumer reporting agency shall not furnish any information that it has determined is not accurate.

Until I receive this validation, I dispute the validity of these debts and demand that you cease all reporting efforts immediately from all credit bureaus.

Please send this information to me in writing within 15 days of receiving this request. I look forward to your prompt response .Please find attached any supporting documentation that may be helpful in the investigation of this matter

Company response to consumer: In progress
Consumer complaint received 2023-01-23
Company: EQUIFAX, 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


INSTITUTION : XXXX XXXX XXXX XXXX ACCOUNT HOLDER NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX 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.

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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX XXXX is currently reporting an account it alleges I have with them. 

I have previously asked them to provide me with documentation that would provide both validation and verification. All that was provided was an account with payment dates. None of these pages have an original signature from me. 

Nor have they provided any documentation to me which even proves that they acquired the date, the manner in which they acquire it and how much they supposed paid for said debt. 

Furthermore, while I had not considered legal action, if the paperwork is not provided to me, I will file suit with the FTC and other agencies to resolve in one manner nlt XXXX XX/XX/2021 as I have been waiting almost a year now for them to provide me a signed document where I contracted them to do any business with or for me. Or any document where and how they acquired this debt.

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 2021-09-03
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Discover XXXX discriminated against me going against the Federal Law pursuant to Equal Credit Opportunity Act 15 U.S. Code 1691 1. In order for Discover to even let me put in an application I was already approved. Once I gave Discover my application, It was Approved. and they ran it, legally can not deny me credit because they don't have credit to give. I the consumer am the creditor and I am extending you credit pursuant to 15 U.S. Code 1691a ( e ).

2. I was denied due to defamatory claims made by a credit reporting agency ; which according to congress is a scam. The Congress has stated that Credit Reporting Agencies, are a scam pursuant to 15 U.S. Code 1681 ( 2 ) which states : An elaborate me
chanism has been developed for investigating and evaluating the consumer credit worthiness, credit standing, credit capacity, character, and general reputation of consumers ; 3. Congress has also stated that Credit Reporting Agencies are assuming a vital role in assembling and evaluating consumer credit Pursuant to 15 U.S. Code 1681 ( 3 ). Therefore youre only making pretend youre important or have a vital role without any proof ; 4. Furthermore, Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ; 5. Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner that is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. XXXX  are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I don't have exact dates as I have been with this company since XXXX but I have been charged numerous and extremely large amounts of overdraft fees some leaving me with little to no money to last me until the next payday. I stayed with them only because of the daughting and aggravation of getting everything switched over to another bank. There was. A few years there they were eating me up in overdraft fees. I would say XXXX to XXXX to was unreal. I was working to pay them. I would plead with them to help me and they would drop XXXX od fee. Ridiculous and greedy people.

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 2020-12-23
Company: CURO Intermediate Holdings
State: TX
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:
Ad Astra Recovery Service is currently reporting an account it alleges I have with them. 

I have previously asked them to provide me with documentation that would provide both validation and verification. All that was provided was an account with payment dates. None of these pages have an original signature from me. 

Nor have they provided any documentation to me which even proves that they acquired the date, the manner in which they acquire it and how much they supposed paid for said debt. 

Furthermore, while I had not considered legal action, if the paperwork is not provided to me, I will file suit with the FTC and other agencies to resolve in one manner nlt XXXX XX/XX/2021 as I have been waiting almost a year now for them to provide me a signed document where I contracted them to do any business with or for me. Or any document where and how they acquired this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called the company for 2 days trying to speak with someone about the debt. I was hung up on by a man. I called back and was talked to disrespectfully. called for the 3rd time and was able to get a rep to listen to me as I stated to here that that debt was made in fraudulent act by someone who compromised my identity. but being that I didn't want to give my current address or detail about myself I was told she couldn't help me. But then company is aware that the debt bought is a fraudulent debt that was not made by me. 

ability recovery services XXXX XXXX XXXX XXXX, PA XXXX XXXX original creditor. XXXX XXXX XXXXXXXX WHICH IS NOW PERMANTLEY CLOSED AS I RESEARCHED COLLECTION : XXXX, XXXX, XXXX XXXX # XXXX {$3400.00} XX/XX/2022

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 monetary relief
Consumer complaint received 2023-03-16
Company: ProCollect, Inc.
State: FL
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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation