BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-12
Company: Experian Information Solutions Inc.
State: NJ
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:
There is a account on my credit report from XXXX XXXX that I do not recognize your firm has violated the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : Experian, XXXX XXXX XXXX As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life. 
I am now demanding the immediate and complete removal of this account from my credit reports Experian, XXXX XXXX XXXX ). 
As I am currently attempting to apply for credit, time is of the essence. Please understand that I am

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: AMERICAN ADVISORS GROUP
State: VA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
After the passing of my XXXX XX/XX/2021 the company sent a condolence letter in XX/XX/2021 after which i requested an extension in order to keep the home, i was never told i had 180 days automatically and then they failed to follow the care act guidelines and updated HUD guidelines which would have afforded me an additional 180 day extension for a total of 12 months. Instead they started foreclosure proceedings in XX/XX/2021 and refused me a 90 day extension claiming they received documents on XX/XX/XXXX of my intension with the property when in fact they received the documents on XX/XX/XXXX. And they claim they were due XX/XX/XXXX even though this was still not the proper procedures extended by HUD. I would like this issue escalated to HUD and the Justice department for improper servicing of a HUD backed loan. I have attached a copy of the sign they received where they claimed no address or contact number was on the sign. I also attached a copy of the date stamped email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On or around XX/XX/2023 EQUIFAX RETALIATED against me by lowering my credit score by ( XXXX points ) after I reported that they had incorrectly lowered my score by 30 or more points earlier this month. ALSO, I recently received my consumer Report from EQUIFAX and noticed that there is still INACCURATE, OUTDATED information on my report including my NAME and EMPLOYMENT HISTORY I have included a copy of my drivers license with my CURRENT LEGAL NAME and would appreciate it if EQUIFAX Would update my consumer report to ACCURATELY REFLECT MY PERSONAL INFORMATION. please see attached letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
in 2016 i had a bank of america account i opened the account for my son to receive money from his father. I checked this account daily for money promised to him. In. XXXX i lost my wallet with all my information XXXX security card i'd bank info bank cards both XXXX XXXX and bank of america one day i was in XXXX in md trying to buy a car i saw a large deposit didn't get a chance to do anything when i left the place the bank was close but the next day i called bank of america explained to them and they closed my account now they say i have unpaid balance after i asked them to watch cameras for verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account # 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 with my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, last activity date, and more are incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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.

Also, they aren't even in compliance with Metro 2 credit reporting.

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 2020-11-06
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account on my credit multiple times, and it I have received no information about it from anyone except verification from the credit bureaus. I thought I had a right to request validation, so I looked online, found a dispute/validation letter and sent it to Jefferson Capital, they have not sent me anything. Please help me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
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: Account status incorrect

Complaint:
I have checked my report and verified accounts that I am not aware of, As per 15 US Code 1681e ( b ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Below are the accounts appearing : 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 explanation
Consumer complaint received 2022-03-23
Company: CrossCountry Mortgage LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a mortgage application for the refinance of my Co-Op with Cross Country Mortgage in XX/XX/2021. Initially I was told this process would take approximately 60 days to complete. Communication with this company was steady and fair until around XX/XX/2021 when I was waiting for a closing date. I the operations manager that I was assigned to when I didn't hear back from them around the time I should have received a closing date. I was told that by her they were waiting for a response from the Attorneys that they chose. After another 2 weeks went by I contacted them again and was told they would go with a plan B which was to find a new lawyer. Two weeks after that I began calling and emailing both the operations manager and the loan originator and got no response. Finally I contacted the attorneys they chose. When I spoke with them, I was told they represent the lender so there really wasn't anything for them to do but secure the title. I called the mortgage company back and was transferred to a manager who then told me that my application is no longer valid and these things happen. He stated he would find a new lawyer and restart the process. As of the date of this compliant I have yet to receive any response from them despite numerous phone calls, and emails. 2 disclosure extensions and XXXX later for an appraisal and Co-op survey fees and I have yet to hear back from this company despite numerous phone calls and emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-22
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/2023 i sent equifax a dispute in regards to a collection that appeared on my credit. Its been over 60 days now and i have yet to get an response it seems that my dispute was entirely ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
There were fraudulent items on my report which I have supplied the several police reports for. Since XXXX, Capital One has placed items on my report that have no belonged to me due to identity theft that has been reported time and time again. These notices were sent to each bureau as well as the agency reporting the information : I, XXXX XXXX XXXX consumer associated with account numbers XXXX ..... 

They have received written notices of billing errors pursuant to 15 U.S. Code 45 1666 ( a ). Pursuant to 12 CFR 1026.13 this is a billing error and requires resolution. All balances are satisfied by the united states 15 U.S. Code 1666d which states that any amount listed on a statement is considered excess of the total balance due When it came to my attention that Capital One had been furnishing deceptive forms pursuant to 15 U.S. Code 1692j via mail in the manner of billing statements and related reports to XXXX, XXXX, XXXX, XXXX. 
Capital One has also furnished deceptive forms pursuant to XXXX XXXX XXXX XXXX via mail in the manner of billing statements to my domicile requesting payment of an alleged debt. 
The statements always arrive with a positive balance being reflected on the right side of the ledger, which is a credit balance to myself as the consumer, pursuant to 15 U.S. Code 1666 ( d ).

The account with Capital One was opened under a consumer credit transaction utilizing my open-end consumer credit plan. Pursuant to 18 U.S. Code 8 and Public Law 73-10, all debts are the obligations of the United States .

Capital One 's furnishing of deceptive billing statement ( s ) is deemed to be racketeering activity in the form of extortion pursuant to 15 U.S. Code 1961.

Capital One has never made amends nor has Capital One provided me non-equitable relief for my current account or new one created. In addition, Capital One has not made amends by submitting a complete erasure of all negative marks reported anywhere including but not limited to XXXX, XXXX, XXXX, XXXX, and XXXX. 

I have stated all matter should be handled in writing due to the deceptive nature of doing business with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: NC
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:
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 2023-07-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
to whom it may concern, there is a hard inquiry on my eqiufax that i did not make and never gave anyone authorization. XXXX XX/XX/2022. I would like this erroneous inquiry off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: EQUIFAX, INC.
State: IL
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:
Hello, On XX/XX/XXXX XXXX XXXX XXXX XXXX made a hard inquiry to my credit report without my consents, and without my permission. Someone from LA, California used my SSN information applied for a XXXX XXXX credit card. I asked them to put fraud alert, and remove this hard inquiry record because it is hurting my credit score but the bank is not taking an action to fix the issue. And this case with XXXX XXXX happened in XX/XX/XXXX as well. Same issue, I did not apply for a credit card but still received a hard inquiry to my credit. The bank till to this day has not removed that record. Please help me remove those unauthorized hard inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Paypal Holdings, Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I used Venmo services to receive my federal and state tax refund, after having my taxes deposited for about a week, Venmo froze my account and refused to tell me why. They were rude and unprofessional. I have XXXX babies that are going without because Venmo decided to keep my funds instead of closing my account and releasing my funds. None of which belonged to Venmo, but they saw fit to keep the funds for loss prevention. I have a little over {$4500.00} still stuck on Venmo. I have also read that Im not the only person they have done it to. There are thousands of people going through what I am going through. I have decided to seek legal help if Venmo will not release my tax refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 non-monetary relief
Consumer complaint received 2018-02-14
Company: Experian Information Solutions Inc.
State: NV
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 have attempted several times to rectify my issue with Experian and XXXX   regarding a collection account that is showing open from collection agency XXXX XXXX account # XXXX with a balanced owed of {$780.00} when in fact it has been paid. I tried contacting the collection agency but all I get is very rude and bad customer service to the point where it up with me hanging up on them. I submitted disputes with Experian and XXXX and after receiving their investigation report the problem was not resolved, I ended up calling both companies to speak with a representative and asked why the item was not updated correctly. I advised them that they are required to report accurate information and that if they did fix the problem that I would file a complaint. They stated that they are going off of what the collection agency is telling them and which is correct. I told them absolutely not and that they need to correct this immediately and it's just been very irritating going in circles. I am enclosing documentation to support my dispute.

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 2023-03-13
Company: Experian Information Solutions Inc.
State: MD
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 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX  Balance : {$10.00} XXXX XXXX XXXXXXXX Balance : {$50.00} XXXX XXXX XXXX Balance : {$11.00}

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 non-monetary relief
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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