BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello. 
When Covid struck back in XX/XX/XXXX, many of us within the Local lost our jobs including myself. While I continued to pay my mortgage, in XX/XX/XXXX I received a letter from my mortgage provider, Select Portfolio Servicing , Inc., Which stated, if you have been experiencing a hardship due to COVID-19 to call the XXXX  number. Upon doing so, Select Portfolio Services offered me a three month hiatus. Then, in XX/XX/XXXX, I was given another three month hiatus extension. This happened again in XX/XX/XXXX, whereby, I was following their own rules. I was asked to check in once a month which I did. 

As we came in to XXXX, Select Portfolio Services says they were going to work with me. As a matter of fact onXXXX XXXX I spoke with one of the representatives, XXXX, whom stated they were looking into a forbearance plan which involved a possible loan modification. She to asked me to check in weekly after I provided my paystubs and tax returns. After providing tax returns and paystub s, and following up with them, I was told several times, that they did not receive the documentation and to resubmit. Depending upon whom I spoke to, the information provided was always different. Now, a month later, I just received a letter on XXXX XXXX, stating they are unable to offer any assistance and they attached a letter of foreclosure which stated if {$36000.00} was not paid then their intention is to foreclose on the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize or havin any knowledge of the following inquiries from CAPITAL ONE AUTO FINANCE ( Finance ) as it was due to identify theft the dates are as followed. 

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 2023-05-15
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04
Company: FC HoldCo LLC
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection was deleted on XXXX XXXX and XXXX XXXX credit reports but not on XXXX XXXX. All credit reports need to be equal and accurate.

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 2023-07-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Around XXXX of 2017, I lost my wallet and my personal information was used fraudulently. I received notification from many sources such as my personal bank and other cards that my credit cards and other information was being used with out my knowledge. Upon this notification, I immediately contacted my creditors and banks and made them aware. Most creditors canceled the card and issued me a new one. On XX/XX/2017, I notified XXXX/XXXX ( XXXX  XXXX XXXX ) Card XXXX about this issue and I closed the account at consumer 's request. They then sent me a statement with the fraudulent charges to pay. This account is currently still on my credit reports as a charged off account as I refused to pay for fraudulent charges. I have disputed this account with all 3 bureaus, sent documentation to include a police report and only XXXX  has deleted the incorrect account. Experian and XXXX continue to report account is verified and validated. When I asked for proof of validation, XXXX  XXXX XXXX  sent copies of the charges. This is not an acceptable source of validation! These charges were not by me nor were they authorized. This is a violation of my Federal rights as my credit history is being tarnished by erroneous and inaccurate information that is to be deleted from my credit file and the creditor has not validated the 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 non-monetary relief
Consumer complaint received 2023-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One Credit Card Visa Platinum card Number XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Back in XXXX of XXXX, I informed capital one credit card that my phone had been stolen. XXXX stole it used my credit line then attempted to pay my credit card off with a fraudulent account, more than likely to pay off the card with fraud than use the card or credit line. I wound up having to repay whatever had been charged to the card to get my payments back on track and informed them not to charge that other account it wasnt mine and it was fraud. I went on making my minimum payment or alittle above and than without my knowledge Capital one continued trying to pay my account above my normal payments with the account I told them was not mine. After two or three more months of this out of nowhere they close my account stating it was from them being denied from the account I told them was fraudulent. No money was ever paid from that account because of coarse it wasn't mine. I had no idea that Capital one was still trying to charge that account after I told them it wasn't mine and it was fraud. So in XX/XX/XXXX Capital one closed my account due to their own mistake. I wrote them a letter and called twice with them insisting I must cover the payments they tried to make without permission and then try to open a new credit line. I should of never lost my credit line because they messed up. I continued to make my minumum. They are victemizing me twice. They should of never continued to charge an account I told them was not mine. I should not be effected negitively at all from any of this and my line of credit should be continued or at least not effect my credit report in any negitive aspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone Number XXXX XXXX has violated my rights under 15 USC 1681, section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 ; A consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose! 

I never gave this creditor permission either verbal or in writing!

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 2023-07-15
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 non-monetary relief
Consumer complaint received 2018-08-27
Company: AES/PHEAA
State: IA
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:
In XX/XX/2014 I was told over the phone, by the representative whom assisted me, that the forbearance which was placed on my account would remove the credit reporting for the period of delinquency for the same months that it adjusted the loan. This is supported by my XXXX as it shows non-reporting for XX/XX/14 ( which is 1 month in arrears meaning that the actual suppressed month was XXXX ). If XXXX was suppressed, from a call in XXXX, then the other months are eligible to be suppressed as well. As your prior resolution indicated, you must report accurate information. As shown, your company is willing and able to suppress/not report and remain in compliance with the Fair Debt Collections Practices Act. 
Responsible Servicing dictates that accurate information is to be given to the customer so that they may make an educated choice as to what to do. I was inaccurately informed that the account adjustment would also remove delinquency. I may not have used the adjustment period if I had been given the accurate information. I am limited to the number of months that I am able to have alterations to my repayment of the loan. Due to this I may have taken those months and utilized a different timeframe for use. I request that you review the telephone conversation to ensure accuracy of the information given. If this conversation is not available for review or when discovered that inaccurate information was provided, please remove the months of delinquency. 
Upon conclusion/ final response to this notification : REMOVE THE CREDIT DISPUTE NOTATION FROM EACH CRB AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 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 2019-07-17
Company: EQUIFAX, 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: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX, I tried to unfreeze my Equifax account to apply for a new credit card. I was unable to create a myEquifax account to do this, as it told me I entered the verification questions incorrectly. All verification questions had nothing to do with me ( including asking about a car loan when I've never had a car payment in my life ). I called Equifax and was told to mail in a copy of my social security card and drivers license to Equifax Security Freeze Department ( I mean seriously, do they want my identity stolen? ). When I tried getting my free credit report to at least make sure someone hadn't stolen my identity, I ran into the same problem and was again asked about car loans in the verification questions. 

XXXX and XXXX  credit reports were normal, so I'm hoping I don't have a problem with my credit with Equifax. But I mean seriously, it should be illegal for them to be so incompetent. Now I have to mail in sensitive information and I can't figure out why. I haven't contacted Equifax since I froze my account in XXXX ( which, incidentally, was done BECAUSE of them in the first place ). I can't apply for the credit I need now. And my identity might be stolen, who knows? Not Equifax, probably.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I have a credit card with Comenity Bank ( XXXX ) that I have had for many years. The credit limit is over XXXX ; however, I paid it off and have not used it in years. To that end, I received a msg from my XXXX bank that I had a 30 day late on my CC so I called Comenity to see if there was a fraud situation, because I do not use that card. They said no your O Rewards auto charged for {$19.00}. I explained to them that I opted out of that program and not sure why this keeps hitting. They then looked at the notes and took the charge off and said I was right. I was told the mark would be removed automatically however now been told O Rewards and Commenity do not communicate and even though O Rewards removed the charge for their mistake this was never communicated to Comenity, thus bad marks ( twice ) on my credit. The same issue happened again and I again got on the phone for over an hour but was basically chasing my tail and could not receive any help or customer service. They dont even have an email I can submit a complaint to. I am pleading to have the bad marks off my credit as I am a business owner and can not have two late charges like this. I can be reached XXXX. Thank you for reviewing this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-16
Company: EQUIFAX, INC.
State: FL
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:
I advised the credit agencies that my personal information should be reviewed & corrected. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
Company: Solar Mosaic LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX2021 a solar rep came to my house to try and sell solar.. he told me he would do a soft credit search to see if we could get approved. I told him I did not want to approve anything until I talked to my tax person. I had a XXXX XXXX at the time I never signed anything again I told him I needed to talk to my tax person onXX/XX/21XX/XX/XXXXhe tried to send someone out XX/XX/21I said no. on XX/XX/I sent him a text from the tax office and told him absolutely it was a NO and that he had been dishonest with me after talking to the tax person the next day a crew arrived at my house to install I told them NO I was not getting anything from them and they left.. the following month someone from the solar company called trying to get me to get solar once again I said NO.XX/XX/21 I got an email from MOSAIC XXXX XXXX XXXX XXXX AZ XXXX loan servicing department stating they received a cancellation request from XXXX XXXX to cancel my loan. I told them I never got a loan XX/XX/XXXX I got a statement review. I contacted the XXXX they said it would be corrected XX/XX/XXXX I got an email asking for payment of XXXX due XXXX once again I informed them I didn't owe them anything they responded saying it would take 2-3 weeks to process the cancellation they had only received confirmation on XX/XX/21on XX/XX/XXXX I was told any payments I made would be refunded. XX/XX/XXXX they reported the debt on my credit reportXX/XX/21 I received a statement notice for loan number 145467XX/XX/21 I received another email asking if I forgot this months payment and the payment required is {$140.00} {$140.00} was due on XX/XX/21. I do not owe this company anything and have continued to tell them this they tell me it will be taken care of and they still try to collect a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: NC
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following accounts and their respective creditors are in direct violations of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX XXXX : XXXX DXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX are the following US Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from XXXX that description. XXXX5 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show XXXX, XXXX, and TransUnion are all in direct violation. 

These credit bureaus and creditors are also in direct violation of 15 USC 1681c-2 ( a ) by continuing to report this fraudulent account to my credit report after numerous submissions of the necessary documentation proving I am not responsible for this debt. My rights are being violated and I will have to report this to the CFPB, FTC, BBB, and the attorney general as well. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. None of the creditors listed above are physically capable of supplying this information, yet proceed with the continuous reporting of these fraudulent accounts ; directly violating my rights as a consumer that I am entitled to per the FCRA.

I have attached documentation the credit bureaus deem " required '' to block fraudulent information, to this complaint. I have previously supplied this information numerous times, and the credit bureaus, even while complying with their documentation requests, continuously refuse to comply. This is a blatant disrespect for the law, as well as my rights.

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