BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-08
Company: Experian Information Solutions Inc.
State: CO
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:
I froze my credit file with all three major credit reporting agencies back in XX/XX/2006. I had some practical issues unfreezing the credit reports last year. This year I contacted all three   credit reporting agencies via U.S. Mail ( see attachment ), asking them to check that the information they had on file was up to date. I also asked them, very clearly, to keep the freeze on my credit file. I also asked them for clear updated instructions on how to unfreeze my credit file, if that need were to arise sometime soon. These actions on my part are good standard practices to prevent fraud and identity theft. 

XXXX  and XXXX responded adequately they got it right. Experian did not only get it wrong, they got it BACKWARDS! Think of backwards as being super-duper wrong. Extremely nonsensically wrong. So wrong that a thinking person would curl up in a corner and die of embarrassment for being XXXX. Experian permanently removed the security freeze on my credit file!!! Now instead of having my credit file safely frozen, they've opened it up for the whole world. This is exactly the opposite of what I wanted to be done. I'm not going to charge them any money, at this time, for pointing out a terrible flaw in their business system of correspondence via U.S. Mail. 

Additionally, they allowed an incorrect XXXX XXXX XXXX  to be available on the Internet. Having the wrong P.O. Box # caused a 2-3 week delay in communicating with them via U.S. Mail. It was very difficult to find someone to talk to at Experian to finally get the correct P.O. Box #.

Experian should not be allowed to hide behind some defense of incompetence or error. Let 's be honest, Experian loses money on credit freezes and will do almost anything to discourage and confuse consumers into properly using credit freezing/unfreezing options.

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 2022-01-25
Company: EQUIFAX, INC.
State: NM
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:
On XX/XX/21 I had sent out credit dispute letters about some accounts that definitely werent mine and i had no idea about that were Fraudulent and other accounts I wasnt to sure about and sent them dispute and verify letters to all three ( 3 ) credit bureaus Equifax, XXXX, and XXXX and Legally they had 30 days to respond and they failed to do so, to prove and validate the debt and negative items reporting on my credit profile impacting my credit score and ability to obtain credit such as personal loans, Mortgage Loans, Auto Loans and house hold items like furniture and appliances ect and causing financial injury and emotional and financial distress.! I will attach proof of documents I sent and mailed out.!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TD BANK US HOLDING COMPANY
State: PA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
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: Investigation took more than 30 days

Complaint:
I previously submitted a complaint in XXXX of XXXX regarding an investigation that had taken over 90 days to process. Following this complaint, along with resubmitting my dispute, XXXX found that the items reporting on my credit profile were incomplete and inaccurate, therefore deleting the items from my report. On XX/XX/XXXX I submitted a follow up dispute to Experian requesting information on how and why they are continuing to report the inaccurate information. It is my understanding that creditors submit the same data to all bureaus in accordance with the FCRA guidelines. It has now been over 30 days, with no verification that the data is accurate and no reasonable response from the bureau as to why they have not deleted the unverifiable accounts. It would seem as though the bureau is continuously refusing to comply with the law and take appropriate action.

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 2020-11-10
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: Their investigation did not fix an error on your report

Complaint:
I looked at my credit report and I noticed a credit card I didnt apply for under my name which is XXXX XXXX and I didnt do business with this company didnt apply for credit card back in 2018 with a XXXX balance I submit the documents but the account havent been removed yet and discover has a pending lawsuit against them for bad customer service and not taking this account off my records and never ask me to send documents and I did many times and they said they never got them and putting me in debt and I just lost my job because of them due to a bad credit score ... I need discover to leave me alone they are worst ... I didnt apply for XXXX back in 2018 account number ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: TX
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
An account that was previously removed from my credit reports after an investigation was opened and completed, was reinserted back on my credit report and also re-aged. The Credit Bureau agency did not notify me in writing within 5 business days. I was not notified at all that this account would be reinserted. The account was removed due to inaccurate information and they did not validate the debt. Also the statute of limitation has passed on it from the original creditor. ( XX/XX/2012 ) I also notice that the collection agency " re-aged '' the account by updating the date of last activity my credit report to keep the negative information on my report longer Account - XXXX XXXX {$490.00} I am in the process of buying a home and this is interfering.

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 2020-11-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter on XX/XX/20 regarding inaccurate and unknown things on my credit report. To this day, over 70 days later, I have not received a response yet for all my disputes on incorrect items. I know this is not right, and I feel like my disputes are being put on a back burner. I am following up with the CFPB because I feel like I'm being taken advantage of. Section 611 ( a ) states that the credit bureaus ' failure to investigate all of my listed items within 30 days gives a reason to immediately remove those items from my credit report, but it has been over 70 days so they should be deleted promptly. I demand all of these accounts be deleted immediately or I WILL FILE FOR LITIGATION due to the stress and pain you have caused me. I also noticed that there are major errors on my report due to my information being impacted by the equifax data breach. It is obvious that people have been applying for things in my name. Not fun!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: TX
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:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: EQUIFAX, 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:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I entered into a consumer credit transaction with capital one a few months ago after receiving a pre approval card in the mail. They are now sending deceptive forms according to 15 U.S. Code 1692 j. I have asked for the return of monies paid to them Pursuant to 15 U.S. Code 1692 h. I do not owe such alleged debt as I am a federally protected consumer. Their statements are false alleging I owe on something when i simply entered into a consumer credit transaction with Capital One using my credit card, which means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, pursuant to 15 U.S. Code 1602 ( L ). So if i purchased this service on credit, I do not understand why they are alleging I owe such debt. When pursuant to 15 U.S. Code 1692 a ( 5 ) debt means any obligation or alleged obligation of a consumer to pay money arsing out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes ... Being that I am the consumer, the natural person pursuant to 15 U.S. Code 1692 a ( 3 ) which explains that the term consumer means any natural person obligated or allegedly obligated to pay any debt.I didn't obtain a " loan '' I simply entered into a consumer credit transaction with Capital One. I am not looking for any monetary compensation, i would simply like to keep my unlimited credit open until I the consumer decide to terminate services with Capital One. I also would like for them to stop reporting to any consumer reporting agency as I did not give any written permission for them to share my information with a 3rd party. Its an infringement upon my privacy as a consumer. I have sent 2 Affidavits of truth certified return receipt as well. I do not validate the alleged debt. Capital one ran my " credit '' received the credit and they want me to pay something back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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'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 and I am filing this complaint about 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 non-monetary relief
Consumer complaint received 2023-03-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
I am the XXXXXXXX XXXX of an XXXX. My fathert had a reverse mortgage on his home at in XXXX XXXXXXXX XXXX, being serviced by Carrington Mortgage Services. Upon his passing in XX/XX/XXXX  I contacted Carrington ( in XX/XX/XXXX  ) to find out what our option were. They told me that a 6 month extension was automatic, and interest would accrue at {$1100.00} per month as long as the property was for sale. As instructed, we installed a for sale sign and started showing the property to prospective buyers. We never received any additional information or communication from Carrington. During this deferment period, Carrington raised the monthly payments from {$1100.00} to {$1600.00} ( 47 % increase ). They also pushed the property into their foreclosure status in a scheme to add legal fees. First claiming they were not required to forward " sensitive '' documents to me, then later claiming it was because they didn't have proof of marketing, even though they sent a person out each month to photograph the for sale sign. 

At the end of the six month period, in XX/XX/2023, I called Carrington to find out what we could do. It was at that moment I was informed the property was referred to foreclosure and the monthly payments had been increased by 47 %. 

Either they misrepresented what the requirements were, or they knowingly withheld the specific details as part of a scheme to push the property into foreclosure to collect additional legal fees. 

At the very least, Carrington and its agents were deceptive in telling me the estate had 6 months @ {$1100.00} per month to sort everything out. That {$6600.00} expectation turned into a $ XXXX bill from Carrington at a time when our family was vulnerable and grieving. 

We were required rush out to obtain financing, resulting in a higher than normal origination fees and interest rates, all in the effort to keep Carrington from stealing our fathers house. 

This isn't right. We never even had a a real chance to dispute the charges. They just added all these fees on to the payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am unable to remove temporary freeze on my Equifax account. I called them up. After much difficulty i could get to an agent. They asked me to send the SSN, DRIVING LICENSE, and my home lease documents by mail. I sent it to them and for more than a month i received no response. I followed up with them and they asked me to fax it. I faxed on XX/XX/XXXX, XXXX i called them up again on XX/XX/XXXX. They say they are waiting for my document. Now they ask me to mail the same documents again. The help desk person keeps saying that there is a document required. However we dont get any further help. In spite of sending by mail and by faxing as needed, its scary that they cant find my documents. I am unable to apply for any of my other loans or needs because of this delay. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
On XX/XX/XXXX I received paperwork from Bank of America on My Business Account. Someone had gone online and Opened a Business Checking and Savings account using all of my Business information. I went to the local Branch in XXXX CT. I was told that I would receive a Fraud report that I needed to fill out within XXXX business Days. After XXXX business days, I called the Fraud number to AGAIN request the Fraud report. Within that time I received a Debt card and PIN number on this same fraudulent account. I was again told within XXXX days I would receive a fraud report that I needed to take to the branch and I would receive this by email. AGAIN I waited 5 days called back was on hold for XXXX minutes before I was able to talk to someone who again said I would receive the fraud report within 5 days. After Finally receiving the report I went to the branch filed the fraud report and was told to wait 5 days to call to make sure they received my paperwork. Over the weekend I received Bank statements because they still have NOT closed this account. 
Bank of America should NOT allow business accounts to open online, this is a VERY BAD business practice and very much hurts consumers. It has created a HUGE Problem for me that I need now follow up almost daily because of Bank of America Bad business practice

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 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2018-04-18
Company: EQUIFAX, INC.
State: AZ
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:
XXXX won't let me gain access to my equifax report. it says that i can not accurately identify myself though the questionnaire after several attempts. i am assuming there is some form of credit fraudulence on my report which i don't know about and can't confirm my own identity ... 

equifax doesn't have an easy way to review my credit report like XXXX and XXXX do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Highline Automotive Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I purchased a vehicle from Highline Automotive. A XXXX XXXX XXXX. The sells rep XXXX told me I was approved for a loan. I paid XXXX down payment, paid XXXX $ for insurance, XXXX $ on registration and tags.We went over the contract and I signed it. I left the dealer excited about my new purchase. On XX/XX/XXXX, I received a call from the dealership telling me I had to bring the car back because bank didnt approve my loan. I called the bank to see why the loan wasnt approved. They told me that I was still approved, but since the dealership lied about the mileage on the car, they had to reduce the price of the car. I then call dealership back to see why they said I wasnt approved when I was. The sells rep XXXX got so defensive and told me if I didnt bring the car back they was coming to take it. On XX/XX/XXXX around XXXX I went outside and my car was gone. I called the dealership and the sells man told me I had 2 options. I could come get my stuff out the car or come sign a new contract. Something just didnt seem right. I started looking over the contract and seen that the loan was from the dealership not the bank. The contract was illegally broke. I wasnt even giving my 10 day notice by mail stating to return the car due to contract issue. I wasnt default on payments, cause I just got the car and bank did approve my loan but dealership didnt want to except terms. Therefore they had no legal right to break contract. Then when I asked for my original security notes and credit application back they said they sent them to the bank.

Company response to consumer: Closed with explanation