BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: NY
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2019-06-22
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2019 i applied for a loan with XXXX XXXX  for a used vehicle they approved me for XXXX at 24 % interest i live in pa XXXX county went to XXXX XXXX with my paperwork from XXXX XXXX   they really tried to help me but said that in the state of pa a car loan cant be any hirer then 21 % they contacted XXXX XXXX and told them that and XXXX XXXX said they are allowed i also contacted XXXX XXXX told then that tried to get them to comply with state law they said they were allowed because it was a direct loan but XXXX got legal advice and was told was not legal this needs to be investigated how many people out there in pa are paying 24 % if it is illegal people are being prayed upon by this company please let me know if its legal or not I canceled my loan i really needed help with a vehicle loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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 information incorrect

Complaint:
I have contacted XXXX XXXX XXXX EXPERIAN, XXXX, AND XXXX in regards to account name XXXX XXXX XXXX XXXX  account # XXXX This creditor as well as the credit bureaus are in repeat violation of the FCRA LAW and my RIGHTS month after month this account shows up on credit reports with numerous errors for the month of XX/XX/2022 they were XXXX errors on my credit report with the above mentioned account those errors are as follow : Account Type, Payment Status, Status Updated, Payment History, Balance, Balance Updated, and Paid Off Percentage each of these sections on the credit reports with XXXX, XXXX, AND EXPERIAN are showing inaccurate and differently. I have attached to this dispute my credit report with the XXXX above mentioned credit bureaus and highlighted the sections clearly showing total inaccurate and inconsistent information due to the repeated errors on the report I XXXX XXXX XXXX would like to exercise my right to have this account XXXX XXXX XXXX account # XXXX to be REMOVED and DELETED from my credit reports with EXPERIAN, XXXX, and XXXX I have not given written consent to have this account on my credit report and would like for it to be DELETED from my credit files and credit reports immediately. 
15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information

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 2022-05-20
Company: CBC Companies, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 my realtor told me to inquire to a home buying agency that helps find a mortgage that is best for me. She said they would only run 1 hard credit pull for an unlimited amount of inquires within 30 days. Now I have 91 separate hard inquiries and my credit score decreased by nearly 200 points. I never agreed to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
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: Was not notified of investigation status or results

Complaint:
The Bureau is reporting inaccurate information on my credit report and hasn't responded back to me concerning a letter I mailed on XX/XX/2021.

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 2023-10-09
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Consumer Reports Regarding Address Discrepancies to all 3 Credit reports Experian, XXXX, XXXX. Data Leaks due to identity Theft and Mortgage Loan reporting inaccurate information to all 3 Credit 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 explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting 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:
Experian, XXXX and XXXX have not provided up to date credit reports OR scores for me since XX/XX/2023. 

The last known score received was from XX/XX/2023. 

They say they are to update reports and scores every 30 days ... .it has been almost 60 days with no update. 

They are also INTENTIONALLY withholding information that will IMPROVE my credit score. They state I can have more info if I pay for their credit monitoring or boosting " products '' or a price ( anywhere from {$29.00} to $ XXXX ) They are also INTENTIONALLY keeping my credit scores low, and reporting DIFFERENT SCORES to creditors than they report to me directly.

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 2022-11-21
Company: EQUIFAX, INC.
State: NC
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:
I have 3 Inquires that do not have any relation to me, And I have disputed these items prior with no changes from the credit bureaus. These items are henedring my credit score and they are not factual or accurate inquires. Ive sent an FTC way back in XXXX and still have not got this situation resolved!! 

These are the inquiry items XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX acquired two debts ; one from Capital One and another from XXXX XXXX XXXX   XXXX XXXX admitted to me that the origination of the debt was XXXX. However, they acquired the debt and they were threatening me that they will continue to report it because they purchased the debt. They were trying to force me to submit a dispute with them on the phone so that they had additional means in which to report and collect on debt that should not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: National Financial LLC
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The company has called my job several times leaving voicemails on a shared voicemail that several of my coworkers and supervisors have access to. in at least once they mention my past due account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ; XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX ; XXXX XXXX Date : XX/XX/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 2021-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was involved in a romance scam 3 years ago and the XXXX got a hold of my information and opens up a Capitol one card in my name. The charge was for {$5000.00} dollars to a company called XXXX. I had a court document appear in my mail saying they are suing me for XXXX which I dont have. I complained to the collection agency handling account said about the fraud. The collection agency also said looking at records a attempt was made to pay it from a account in XXXX. At the time of my romance scam I did not file police report I was scared and threatened by the scammer verbally. I have tried to call the representative XXXX from Capitol one several times no return call. The courthouse said this happens a lot with Capitol one. My problem is I have no money covid hit me very hard financially and on top of that I am having XXXX  XXXX on a few weeks. Any help will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Prosper Marketplace, Inc.
State: CA
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:
In XX/XX/2017, after receiving endless mail from Prosper Bank regarding debt consolidation loans, and being promised I could check my rate with no affect to my credit score, I went online just to see what they could offer. Unsatisfied with what I was seeing, I dropped it and moved on. From then, Prosper began to contact me numerous times a day both via e-mail and phone until I told them to stop. 

They also pulled a hard inquiry despite repeated promises that there would be no effect to my credit score. I was then told by a representative via e-mail that I had agreed to allow them to check my credit when I signed up by clicking a box. While there is an " Authorization to Obtain Credit Report, '' you agree to that on THE SAME PAGE that explicitly states there will be no effect on your credit. 

These business practices are deliberately shady and misleading. They present themselves as just allowing you to see what your rates will be, while they're actually placing a hard inquiry on your credit and refusing to do anything about it.

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 2023-03-02
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to refinance my mortgage since XXXX, Mr Cooper is the current lender. When they sent pay off to the new lender they said there was a HUD lien that needed to be paid off. There is no lien to be found under that case number, under my name XXXX XXXX, address XXXX XXXX XXXX, XXXX. The loan company that held the loan previously doesnt have any information either.Mr copper has failed to produce information to support this lien XXXX I lost my locked interest rate as well as {$80000.00} equity that I was to get at closing. It has been two months now and neither the loan company nor I have been able to getMr Cooper to give us the information we need to resolve this issue. Because of their inability to resolve this I was not able to close my refinance and can not afford to do so now with the current interest rates. These individuals can assist in giving you information regarding this claim XXXX, XXXXXXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Netspend Corporation
State: AK
Product: Credit card
Issue: Application processing delay

Complaint:
I started to activate my card and the customer service rep Asked my address which I gave and she said that is a XXXX which Which was not allowed and I said it was on all my paperwork License etch. She no, I paused for minute to think if I should use Use my current address or my mothers as I was going there Because she XXXX. 
Needed the card to purchase airline tickets as I don'tLike to use my bank debit card online. 
I wanted to think for a moment so I asked if could phone back And she said yes no problem Not bothering to tell me they Were in fact. Closing for the nite. I tried to get refund from XXXX .they did not care would do nothing. 
I tried to activate online, no luck. 
They froze my account and the XXXXin it I have sent them by fax, my drivers license, state id, social Security card, voter id, XXXX id, letter from Alaska DHS, A latter from my bank And they still have not activated my card I told my mother XXXX they do n't care My mother XXXX tonite and XXXX the The card is Netspend Stay away!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi my name is XXXX XXXX XXXX i live in XXXX ca i have an account with bank of america and it been a night mare from day one that i foumd out i have an account with them okay back in XXXX of 2020 i ooen my XXXX clam they send me a card thew the mail so i was waiting from my card well i call XXXX a lot of time ti check the status of my catd all they woukd tell me me was it on it why well for some resion in XXXX of XXXX they tell me o you can call bof a to check on your card so i do they tell me i need to go into bank to verify my id so i do well. XX/XX/XXXX this night mare started i go into bank they tell me some one is using my card they sent me in the mail i ask what card iam still waiting for it they tokd me no you got it back in XXXX i said you thin i would be here in the bamk tryinhbti get my card if i had it aready so they tolf me okay eell we can XXXX that card issue you a new card and issue you a XXXX right now untik you get yur new card you will be avealble to access your money i did not have a choce so i did wjay ghey told me i also udated my info i tje bank well they sent my new card to the same addrsss luckly i fowered my mail from thre i git my card because of my mail being fowarded to my address well i get my card i try to accivate it now my accunt closed my clam closed and my card frozen this happen two days aftrr i put my clam in so now i have to out a reqest in to reopen my account takes 2 mounths then i have to put in a reqest for them to reopen myclam have to investagat it can take 45 days but they closed my ckam 2 days after againg and tge same thing over amd over and over and over need help because i dont think there taking this seruse this is my money i am goung trew hard ship and this is aking it a lot more dificult then it needed to ne

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 2021-05-21
Company: Grain Technology, Inc.
State: CA
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:
Grain has been reporting on my behalf with out my permission. I havent been able to contact them and they have still been charging me late fees. Every tine i try to contact support i can not get through. Since XX/XX/2021 till XX/XX/2021 they have taken money from me and i demand it all be sent back to me. Under 15 usc 1692 c i would like to cease and desist all communication from here on out. Under 15 usc 1681 ( the fair credit reporting act ) all reports need to be accurate and fair. And i am a victim of fraud because so gave no consents for anybody to report or have my information. Any paperwork like the pictures i showed attached are examples of false and deceptive paperwork which is a violation of the fair trade commission ( the ftc )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 2023-10-09
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with the fair credit reporting act 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 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 explanation
Consumer complaint received 2022-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I bank with Bank of America. In late XXXX or early XX/XX/XXXX I sent {$2000.00} using XXXX to a friend of mine as a loan payment. 
Unfortunately, I sent the money to a wrong phone number. As soon as I realized that I made a mistake, I called my bank. This was on a Sunday so I has to follow up the next day. They then told me that it takes up to 45 days to get an answer. Another couple of weeks went by only to be told that the recipients bank XXXX XXXX has now put a red flag on the transaction. A week after that I received a letter from my bank suggesting that I contact the recipient instead. 
I have been banking at Bank of America since XXXX so this is the kind of protecrion and service that I get. 
I have also filed a Police report to try to recover my money but until now I have no idea as to who can I turn to. 
Please help. Thank you in advance.

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 2023-10-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$500.00} was written off. 
( illegal XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX had my account on credit protection and i was making payments. I was told by a representative to send in my billing statement and make it payable and i did what the representative told me. My account is not a charge off. This account is reporting negative when it is positive. This account violated my rights by closing the account before handing to explain to me what the issue was. I do not feel like XXXXXXXX XXXX XXXX treated me like a normal customer or like a responsible customer. This company damaged my credit profile by reporting illegal information. I was never late or this was considered as charge off i want this account to be reinstated being that i was violated and i want this account to be updated to on time paid and never late under FCRA 15 usc 1681i ( n ) ( a ) ( b ).

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