BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: KY
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 the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX XXXX XXXX with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XXXX XXXXXXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$1200.00} XXXX XXXX XXXX Owed : {$8100.00} XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Through no fault of our own, Walmart sold their credit accounts to Capital One, it has shown up on our credit report as new accounts were opened, they were not.The accounts we already had, they were sold, The same happened with Gateway One whom we had our truck financed through, They sold the account to XXXX  XXXX  XXXX.It showed that we opened a new account, we did not, that account has been active for quite some time, it was just sold,. We are being punished in that these events have significantly reduced our credit score and now we can no longer purchase a home as we were planning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Consumer Portfolio Services, 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: Credit inquiries on your report that you don't recognize

Complaint:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
simons agency collections has reported multiple time the same debt owed to all3 credit reporting agencies. 
it appears on my reports multiple times for same amount XXXX $ ive settled this debt ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: FC HoldCo LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This complaint relates to Flagship Credit Acceptance ( referred to as " the Company ''  below ) is twofold : 1. The first part relates to the company 's conduct at routine times when a payment is late, where the company employs dialers and repeatedly calls consumers to attempt collection of debt even if they are on a no call list and have opted out of such communications. They justify this by forcing an " acceptance '' to such communications at the time of speaking to a representative by placing the " acceptance '' as a condition to having a conversation with the representative essentially preventing customers from resolving such issues while exposing them to the added stress of repeated calls if not addressed. For a customer who suffers from XXXX this isa serious issue with no resolution. 
2. The second part relates to the company 's conduct during this COVID-19 crisis. As a self employed individual who has always made sure to make my payments on loans despite having gone through medical and financial hardships, I reached out to the company for a deferral of the payment for XXXX. Their response was ( unlike other financial companies who sincerely try to assist customers during this time ) having the agent on the phone play a recorded message explaining that such a deferral ( if approved ) will result in additional interest and fees ( essentially no different from simply paying 30 days late and suffering the consequences ). Separately, the company refused to even put in a request for such a deferral as I wouldn't provide them with an additional contact person they can call in the event that I miss a payment - despite my explaining that I have no one for them to call, I live alone with family overseas. 

Important to state is that this company has been charging an aggressive interest rate of almost 20 % for my car to begin with. In short - Flagship Credit Acceptance takes cynical advantage of their customers - especially during such challenging times and refuses to genuinely provide assistance - even to loyal, paying customers such as myself - who are self employed, alone and without other options. 

I sincerely appreciate your assistance.

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 2023-07-24
Company: Experian Information Solutions 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:
To Whom It May Concern, This is a report about multiple violations of law by consumer reporting agencies such as Experian, XXXX and XXXX such as 1. 15 U.S Code 1681a ( 2 ) ( A ) ( i ) : reported information can not be only transactions and experiences between the consumer and the company. 

2. 15 U.S Code 1681a ( 2 ) ( A ) ( iii ) : the consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act.

3. 15 U.S Code 1681a ( 2 ) ( B ) : if a transaction was authorized by a social security card, the real credit card first defined understand the Truth In Landing Act, this transaction must be excluded from a consumer credit report.

4. 15 U.S Code 1681b ( a ) ( 2 ) : consumer reporting agencies need written instruction to make a consumer report by the consumer. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report.

5. 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : Unauthorized inquiries. 

The above violations were made in relation to the following accounts and must be corrected : 1 ) XXXX XXXX XXXX opened XX/XX/XXXX 2 ) DEPT OF EDXXXX opened XX/XX/XXXX 3 ) DEPT OF EDXXXX opened XX/XX/XXXX 4 ) DEPT OF EDXXXX opened XX/XX/XXXX 5 ) XXXX XXXX opened XX/XX/XXXX illegally closed XX/XX/XXXX 6 ) XXXX XXXX opened XX/XX/XXXX illegally closed XX/XX/XXXX 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 2022-05-05
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Bottom line up front : JP Morgan Chase refuses to unlock my account while I am XXXX XXXX. 

XX/XX/XXXX : I attempted to open a business account with JP Morgan Chase while I was XXXX, and it appeared to be approved. 

However, I just found out today ( XX/XX/XXXX ) JP Morgan Chase has now restricted my account. I supplied them all of the information they needed including the title ( XXXX XXXX XXXX XXXX and the XXXX ) ; after being on the phone with multiple customer representatives, I was told that the only way I could unlock my account is to go down to a local branch and prove my identity ( nearly seven times ). I told them that is not possible because I am XXXX, but they continue to tell me to go down to a local branch ( there are no local branches in my XXXX area ). 

As of right now, I am XXXX XXXX  and have no way to pay my credit card balance with JP Morgan chase, and obviously, this will adversely impact my credit card score. I had no idea opening a business account would trigger my account to be locked and think it is insane they are asking me to fly back to the states -- during my XXXX -- to resolve this issue. 

Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am writing to dispute the inaccuracies on my credit report that have been reported by the following creditors : XXXX CHILD SUPPORT XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX. 

XXXX CHILD SUPPORT XXXX has reported inaccurate information to the credit reporting agencies, which may potentially violate the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 1 ) ( A ). Additionally, this creditor has failed to report the correct account status, which may potentially violate FCRA section 623 ( a ) ( 2 ). Furthermore, XXXX CHILD SUPPORT XXXX has reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). 

XXXX XXXX XXXX XXXX has also reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). Moreover, this creditor has reported inaccurate last reported dates, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( A ). 

XXXXXXXX XXXX XXXXXXXX has reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). Additionally, this creditor has failed to report a monthly payment amount, which may potentially violate FCRA section 623 ( a ) ( 5 ). Furthermore, XXXX XXXX XXXXXXXX has reported different credit limit information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( D ). Finally, this creditor has reported inaccurate last reported dates, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( A ).

These inaccuracies have affected me greatly, both financially and emotionally. As a result of these inaccuracies, my credit score has been negatively impacted, making it difficult for me to secure loans or credit cards with favorable terms. This has made it challenging for me to provide for myself and my family, and has caused me a great deal of stress and anxiety. 

Therefore, I am requesting that these unverified collection accounts be removed from my credit report as soon as possible. I am hoping for a prompt resolution to this matter, and I would appreciate any assistance you can provide. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-01-03
Company: Experian Information Solutions Inc.
State: DC
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:
Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 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 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

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt Make sure it was reporting 100 % correct. 

In Accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 non-monetary relief
Consumer complaint received 2023-06-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I mailed a third section 609 dispute letter to Experian on XXXX XXXX XXXX  for account XXXX XXXX XXXX. It's been over 30 days and the matter has not gotten resolved. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they " verified '' that this item was being " reported correctly ''. But they did not provide me a response within 30 days nor did that respond have any documentation that verifies the information. Credit company is not complying with their own policy in a timely manner. I'm attaching the letter that was mailed out to them.

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 2023-09-07
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: USDA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
during the trial period they had me on I was told on several occasions. I was in good standing the representative XXXX XXXX they assigned me confirmed with me in XXXX XXXX XXXX that I was in good standing and did not need to send any more money, she also advised that she needed to send an email their cashier department to have the funds I had sent released and applied according. I took it upon myself to send in additional money to ensure all the transactions were good. Soon after this I received a certified letter from PHH advising I had short paid the modifications and yes that confused me being that I called each month during the trial and was told each time I was in good standing. To my surprise now I have to reapply for another trial period. Also they have sent me a copy of the last money order I sent them with a signature on the back of it which is not mine. per the letter / copy they sent me states this copy is legal tender I have taken the copy to a bank and to the XXXX office where I purchased it and was told/advised they could not do anything with the photocopy of the XXXX XXXX. i have called PHH on several occasions in attempt to get this solved. I am being taken full advantage of YES I do believe so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: TX
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've been trying to clean up my credit report so that I can build my credit and there are a few things I've been disputing with all 3 credit bureaus for almost 1 year now, they have only fixed 2 items but never give me responses! And every time I send a dispute to XXXX, the only response they're giving me is stall tactic responses, this is not providing the information I requested, and it's not fixing the negative items on my report either! I've been disputing late payments on a XXXX XXXX account, XXXX account, XXXX XXXX XXXX XXXX XXXXXXXX XXXX , and XXXX XXXX XXXX but the only XXXXate payments fixed was on XXXX with XXXX XXXX and the charge off with XXXX XXXX XXXX on XXXX . I have requested at least 6 times now to provide the proof that I was late, I do not show this in my records that I have and no one has provided this. I either do not get a response at all or I get continuous stall letters, this is not acceptable!

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 2022-11-04
Company: EQUIFAX, INC.
State: NY
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the account corrected as soon possible : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: AMERICAN HONDA FINANCE CORP
State: TN
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:
XXXX  continues to report inaccurate information, bad phone numbers and reporting an account ten years old. ( American Honda Financial ), I have sent certified documents to XXXX XXXX and have receive no response and lastly XXXX XXXX is reporting a 30 day late that is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 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 non-monetary relief