BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: IL
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:
The credit reporting agency EXPERIAN has acknowledged and admitted to receipt and delivery of the Identity Theft Report provided by the consumer on XX/XX/XXXX @ XXXX and now must comply with the Fair Credit Reporting Act [ 15 USC 1681c-2 ] by blocking the unauthorized information reported by the consumer no later than XX/XX/XXXX. However, EXPERIAN has FALSELY ALLEGED that all documents required to be submitted with the Identity Theft Report have not been supplied by the consumer. This statement is IN FACT FALSE as the consumer has certified evidence that all required documentation has been delivered pursuant to Fair Credit Reporting Act [ 15 USC 1681c-2 ] by way of USPS Priority Express Mail XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX. I have provided all pages of the FTC Identity Theft Report including validation that the report has been filed with the appropriate Federal Law Enforcement ( FTC ), as well as documentation verifying the my Identity, Address, Date of Birth, and Social Security Number in accordance with the Fair Credit Reporting Act. 
EXPERIAN is now required by Federal Law under the Fair Credit Reporting Act section [ 15 USC 1681c-2 ] to send all required notifications to all furnishers of the referenced account information and to BLOCK from reporting the following unauthorized account : UNAUTHORIZED ACCOUNT MUST BE REMOVED NO LATER THAN XX/XX/XXXX : CREDITOR : XXXX XXXX XXXX XXXX XXXX CREDITOR XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER : XXXX ACCOUNT TYPE : COLLECTION DATE OPENED : XX/XX/XXXX AMOUNT DUE : {$27000.00} & {$27000.00} ORIGINAL CREDITOR : XXXX XXXX CREDITOR PHONE : ( 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 non-monetary relief
Consumer complaint received 2022-12-21
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX  XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 XXXXXXXX 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 as 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 2020-05-11
Company: Navient Solutions, LLC.
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:
Navient is reporting late payments on account which are jeopardizing my credit score. 
My account was not late and I expressed to Navient many times that I am out of work and am unable to make payments in which they promised to defer my payments for the dates that they are reporting as late. 

The dates that they are reporting late is listed below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I need this removed those late payments are keeping my score low and I am unable to get a job. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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:
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. 



Account name XXXX XXXX XXXXXXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX XXXX Account name : XXXX XXXXXXXX XXXX Account XXXX XXXX Account name : XXXX  Account # XXXX Account name : XXXXXXXX XXXX  Account # XXXX Account XXXX : XXXX/DEPT OF ED Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX 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 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 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 2021-10-22
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint Mortgage Servicing This is a two-part complaint against Shellpoint Mortgage Servicing, and XXXX XXXX  XXXX XXXX for the handling of my mortgage during my forbearance from XX/XX/XXXX - XX/XX/XXXX. The first complaint is with Shellpoint Mortgage Servicing ( SMS ). On XX/XX/XXXX, I applied for a forbearance. However, my mortgage was paid in full for all previous months including XX/XX/XXXX. Although, starting XX/XX/XXXX, I was unable to make the full payment, so I called Shellpoint, Loss Mitigation Department to speak with an agent. After speaking with him for several minutes and discussing several options, the agent advised me that the best plan to fit my needs would be the forbearance with a deferment. This would allow me to place all missed mortgage payments at the end of my loan. In additional to selecting the best repayment plan, the agent asked if I could make partial payments of {$220.00} per month, and on each monthly check write the month and state for the escrow payment only. I said yes, and I agreed. I made 11 payments of {$220.00} per month and I made one payment of {$220.00}, for a total of {$2600.00}. Please see copies of all checks. 

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Now, this takes me from XX/XX/XXXX- XX/XX/XXXX. On XX/XX/XXXX, I received an email from Shellpoint, Loss Mitigation Department. I was informed that the forbearance was ending on XX/XX/XXXX, and that I needed to pay {$5700.00} to bring my loan current. If I was unable to do this, I needed to contact Shellpoint before XX/XX/XXXX. Please see email dated XX/XX/XXXX. I did not contact Shellpoint, Loss Mitigation Department until XX/XX/XXXX, to discuss my payments because I wanted to wait until I received copies of the checks that I had paid to Shellpoint in the past. I did not speak with the agent again, but I did receive a letter date XX/XX/XXXX, the letter discussed payment options. Please see letter dated XX/XX/XXXX. In XX/XX/XXXX, I made an additional payment, please see check # XXXX, {$490.00}. I paid a grand total of {$3100.00}. Also, on XX/XX/XXXX, I received a letter from Shellpoint with a breakdown of how my money was used, but this amount does not add up to what I paid. Please see letter dated XX/XX/XXXX. 

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Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
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:
I HAVE REVIEWED MY CREDIT REPORT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2022-12-21
Company: EQUIFAX, 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:
Contacted Credit Agency Equifax multiple of times regarding fraudulent accounts reporting on credit file, incorrect personal information such as contact number and address, issue with online access to personal credit report and refusal to add/update account with extended fraud alert and consumer statement, incorrect late payments, reporting late payments on charged off accounts, credit denial due to lack of access to credit file after credit file unlocked, failure to send investigation results for disputes on XX/XX/2022 ( XXXX and XXXX ) etc. latest contact XX/XX/2022. I have spoken to multiple of agents from the consumer protection department who has refused to help and has disconnected calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: CITIBANK, N.A.
State: TX
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 inititated a balance transfer from my XXXX XXXX to my Citi Bank card using their mobile app. The app instructed me to add the account details by snapping a picture of the card, which I did. I was then given a confirmation that the upload was successful to the account ending in the correct last four digits of my XXXX XXXX, so I thought everything was fine. When I checked the status of it a few days later, I noticed that it was marked pending to be paid to XXXX XXXXXXXX, so I opened a chat with Citi Bank, explained the situation and was told it would be fixed. The next day the transfer went through - to XXXX XXXX. I am being told by Citi Bank that there is nothing they can do to fix it - essentially adding an additional XXXX to my debt. They advised me to call XXXX XXXX, which I did, but they would not help as the account the transfer went to is not mine. It turns out the image taken read the beginning card number as a XXXX when it is in fact a XXXX. This was an error on their behalf, not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX 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 15 U.S.C. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any 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 2021-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit in XXXX in the amount of {$1600.00}. It was processed and posted. 
After 5 months, Bank of America debited my account by {$720.00}. After I tried to dispute it, they still wouldn't give me my money back. 

They kept staying there is a {$720.00} shortage of currency in my deposit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RE : XXXX partial account # XXXX XXXX XXXX XXXX has deliberately manipulated records, particularly the date of last activity and misrepresented this account in a scheme to blackmail me into paying them over {$1300.00}. 

The above mentioned account is an old Capital One credit card which was closed due to fraud back in XX/XX/XXXX with the date of last activity of XX/XX/XXXX of XX/XX/XXXX. Michigan Statute of limitations to collect on this type of debt is 6 years. This debt is now over 8 years old. 

I have written XXXX XXXX twice requesting all records and accounting on this alleged debt and informed them this debt does not belong to me. My most recent letter was dated XX/XX/XXXX. 

XXXX XXXX has refused to provide those records and alternately become more aggressive trying to collect. 

I will prove that XXXX XXXX has been engaged in fraud against consumers for years. 
I will prove XXXX XXXX intent is to commit fraud on consumers by willfully manipulating records and refusing to provide consumers with those actual records as part of their long standing scheme to misrepresent facts and mislead the courts, the credit bureaus and consumers for their own profit. 

XXXX XXXX has also provided untruthful statements to XXXX, XXXX & XXXX in a premeditated scheme to manipulate the Credit Bureaus into reporting this unlawful and uncollectable debt to my credit reports. 

These and other willful schemes of XXXX XXXX has caused actual damages to me and my family. I have been turned down for auto loans by XXXX XXXX, XXXX XXXX, XXXX XXXX, Capital One auto finance and XXXX XXXX XXXX on XX/XX/XXXX, my insurance rates have increased by 100 %, I have been turned down for credit with banks and turned down by a landlord. 

I am filing a small claims suit because it is the fastest way to get a court hearing. Otherwise, I would be filing a civil claim in State and/or Federal court. 

Through my research, it seems XXXX XXXX has a history of manipulating records and attempting to collect on debts they have no legal right to collect. 

I have requested records of this debt and XXXX XXXX has refused to provide those records in an attempt to conceal the facts that this account is more than 8 years past since the date of last activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: DE
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 the accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX ) Account # XXXX has violated my rights. 

15 U.S.C 1581 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 the accordance with the fair credit reporting act XXXX XXXX ( XXXX XXXX ) Account # XXXX has violated my rights. 

15 U.S.C 1581 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 non-monetary relief
Consumer complaint received 2018-05-09
Company: U.S. BANCORP
State: HI
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/XXXX and XX/XX/XXXX - 2 separate payments were made from my bank account to my XXXX XXXX credit card account. I have been an account holder since XX/XX/XXXX and have never been late on payments. I had automatic payments set up for {$100.00} per month to come out on XX/XX/XXXX, but due to the recent decision to purchase a house I wanted to pay off my balance in full on XX/XX/XXXX - I submitted another transaction to pay off the total amount. I received payment confirmation and logged back into my account on XXXX 's website 2 days later - I saw that my payment was made and the balance was at {$0.00} - I actually had a {$100.00} credit on my account. I received my XX/XX/XXXX statement in the mail which also reflected the payments, showing I had a {$100.00} credit on my account. On XX/XX/XXXX, I received a notice in the mail from XXXX stating that my credit card was 30 days past due and my credit limit was being reduced. I was extremely confused and called XXXX, they stated to submit information to them in writing - which I did and I received a letter in the mail that stated the previously reported information was correct and to submit a dispute to the bureaus to dispute and they were unwilling to help me. I submitted information to all three bureaus and received confirmation from XXXX  and XXXX   that the late payment was removed from my report - but did not hear back from XXXX, and when I reviewed my credit from XXXX ( a XXXX credit monitoring website ) it appears that the late payment is still being reported. I am looking to get this resolved - XXXX has provided unclear and conflicting information to me about my account and payment and I feel that I should not be penalized for this mistake.

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 2023-11-03
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