BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
TRANSUNION IN ITS CONTINUOS VIOLATION OF MY GUARANTEED RIGHTS UNDER THE FCRA GUIDELINES HAS REFUSED TO REMOVE A STATEMENT FROM MY CREDIT REPORT WHICH IS UNAUTHORIZED BY ME EVEN AFTER SEVERAL REQUESTS BY MYSELF FOR THIS UNAUTHORIZED STATEMENT TO BE REMOVED BY TRANSUNION. THE STATE IS STATE AS FOLLOWS " Promotional opt-out This file has been opted out of promotional lists supplied by TransUnion. 
( Note : This opt-out is set to expire in XXXX ) The opt out on your file will remain in effect until the expiration date specified above, unless you request it to be made permanent. To permanently opt out of promotional lists provided by TransUnion, you must send us a signed " Notice of Election '' form, which can be obtained by writing us or calling us at XXXX and speaking with a representative. '' I DEMAND THIS STATEMENT BE IMMEDIATELY REMOVED FROM MY CONSUMER CREDIT PROFILE IMMEDIATELY. 
attached is a copy of my credit report and a screen short of the part in question

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 2023-03-09
Company: Grain Technology, Inc.
State: NJ
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 has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a43. ak open end consumer credit plan as late for purposeXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My payment was late because it got lost with the U.S Postal service, thus they reported us late on XX/XX/XXXX, after we paid over the phone and brought our balance up to date they also agreed to do the goodwill change since it wasn't our fault. After 1 week or 2 the changes were made as agreed. Now today XX/XX/XXXX that XX/XX/XXXX month went back to reporting negatively severely impacting my score and defaming my credit worthiness. I also did not get a call back from the lender as they agreed.

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 2023-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Under the Fair Credit Reporting Act, Capital One has violated my rights under 15 USC1681 section 6 o 2 states I have the right to privacy 15 USC 1681, section 604 a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit for any purpose. Capital One is reporting 10 missed payments, 5 on one card, and 5 on another. There are only 4 months that are reporting not current in XXXX. One card is from XXXX to XXXX of XXXX, and the other is from XXXX to XXXX of XXXX. Disputed was once taken on my end, but the company refuses to change or erase the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
it seems between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to my report. The collection agency is JEFFERSON CAPITAL SYSTEM. The original creditor was XXXX XXXX XXXX. 

I declared bankruptcy in XXXX and this was part of the creditors who were included in the bankruptcy. At the time, XXXX dropped my credit by a large amount with one creditor. Now, 15 years later, they have dropped me with the other creditor. What can I do about this? XXXX was my young daughter 's cell phone provider. She is now an adult with XXXX children. What can be done about this besides paying them off. I am in a XXXX  from XXXX now and money is a problem. 

Also, that bill with XXXX i over XXXX XXXX XXXX. XXXX dropped it. So who is this new creditor, JEFFERSON CAPITAL SYSTEM? And how can they legally drop my credit score by this large amount when the debt was resolved with the bankruptcy?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting 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:
Subject : Deletion of Unauthorized Credit Inquiry & Retraction CAPITOL ONE AUTO FINANCE I am writing to formally request the removal of an unauthorized credit inquiry made by your institution on XXXX, XXXX. After reviewing my credit report, I noticed an inquiry listed under my name without my consent or knowledge. 

The inquiry was made on XXXX, XXXX, and was not associated with any credit application or agreement initiated by me. As a result, I did not receive any benefit or services from your institution corresponding to this inquiry. 

I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I understand that these inquiries can impact my credit score, and given that I did not engage in any transaction or seek credit from your company, I urge you to rectify this error promptly. I also demand retraction of any applications or securities in your possession.

Please provide confirmation once the unauthorized inquiry has been deleted from my credit report. I appreciate your prompt attention to this matter and your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Payment Errors : I made 4 payments to XXXX XXXX, XXXX. c/o LoanCare , LLC in XXXX and XX/XX/2019. XXXX credited the first 3 payments on the dates received, then reversed the payments on XXXX  and credit the third payment as the only payment made before selling the mortgage. The payments have now been credited to my account, but I can not get them credited to the correct dates -- costing me hundreds in interest. I spoke to both XXXX and the new lender ( XXXX ) who incorrectly told me dates don't matter, and that I would never get the dates changed. I sent both servicers certified letters documenting my payments. XXXX did not reply to my written complaint and XXXX replied, but said they don't see any problems. 
1 ) On XX/XX/XXXX I paid XXXX XXXX, XXXX. c/o LoanCare , LLC the amount of {$42000.00}, which should have been credited to principal. This payment was initiated directly from the XXXX mortgage website ( XXXX XXXX XXXX ). This payment was not credited to my account until XX/XX/XXXX. 
2 ) On XX/XX/XXXX I paid XXXX XXXX, XXXX. c/o LoanCare , LLC the amount of {$27000.00}, which should have been credited to principal. This payment was initiated directly from the XXXX mortgage website ( XXXX XXXX XXXX ). This payment was not credited to my account until XX/XX/XXXX. 
3 ) On XX/XX/XXXX I paid XXXX XXXX, XXXX. c/o LoanCare , LLC the amount of {$1900.00}, which should have been credited as a normal payment. A check was mailed to XXXX XXXX, XXXX. from my credit union. This payment was not credited to my account until XX/XX/XXXX. 
4 ) On XX/XX/XXXX I paid XXXX XXXX, XXXX. c/o LoanCare , LLC the amount of {$1000.00}, which should have been credited to principal. A check was mailed to XXXX XXXX, XXXX. from my credit union. This payment was not credited to my account until XX/XX/XXXX. 

Failure to provide accurate information regarding mortgage servicing transfers : XXXX XXXX, XXXX. c/o LoanCare , LLC failed to tell me that my loan was being transferred to XXXX prior to the transfer. When I called XXXX XXXX, XXXX. c/o LoanCare , LLC on XX/XX/XXXX, I was told that XXXX received my loan on XX/XX/XXXX and XXXX staff told me they could no longer help me, because I wasn't their customer. After I complained via phone to both companies, I received a letter from XXXX dated XX/XX/XXXX ( the date I called ) letting me know that they would be taking over my loan on XX/XX/XXXX.  Both companies told me it was my responsibility to work with the other company to resolve my payment errors, even though by law they're supposed to work together to correctly credit payments made during the transition period. I have attached the letter I sent to both companies in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have contacted Experian Credit Services ( XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ) numerous times pertaining to personal information being incorrect and reported within my credit profile with this company. Its numerous wrong NAMES as well there are inaccurate ADDRESSES by them that I was told they wont remove because theyre connected to an account which I already made them aware those accounts arent mines. Therefore I am taking further steps in submitting my complaint with the ( CFPB ) to make them aware of this particular issue.

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 2022-12-27
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

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 2023-12-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures

Complaint:
Chase Bank - Issued a Cashier 's Check the date on the check is XX/XX/XXXX with " Void after 7 years '' printed right next to date. On XX/XX/XXXX ( within 7 years ) electronically deposited check and is was returned with the reason " Stall Dated. '' Went to Chase Bank to resolve issue and have Cashier 's Check reissued. They advised they follow California Regulations and after 3 years send to the State of California Unclaimed properties. Band provided that State of California Unclaimed properties phone number. Bank lied monies have not been sent to State of California when I called and went on CA Unclaimed website and my monies are not there. Bank has failed to in accordance to CA regulations sent me any notification monies need to be claimed or will be deposited with the State of California. 
Chase Banks explanation on " Void after 7 years '' printed on Cashier 's Check is Chase Headquarters is in Ohio and that is the template they use. This makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was the victim of identity theft ( I have police report showing my credit cards, Driver 's license, bank cards, and checks were stolen to make fraudulent charges and a copy of the legal judgement proving the person who stole my identity plead guilty and was convicted of Identity Theft, XXXX XXXX, a Class C Felony ). I have found that Portfolio Recovery Associates is reporting an account to all 3 bureaus and each copy of my credit report lists different information. One report lists Portfolio Recovery as reporting as an open collection account while reporting to another credit reporting agency as a closed collection account. Portfolio Recovery Associates is reporting as and account with a term of 0 to one reporting agency and are reporting the same account to a different credit reporting agency as a term of 1 month. Portfolio Recover Associates is reporting to one credit reporting agency with no account number while a partial account number is reported to the other 2 credit reporting agencies. Portfolio Recover Associates is reporting to one credit reporting agency as an Other Account ( Other accounts are those that are not already identified as Revolving, Mortgage or Installment Accounts such as child support obligations or rental agreements. This same report lists zero collection accounts. Since Portfolio Recovery Associates is reporting differently to each of the credit bureaus ( XXXX, XXXX, and XXXX ) differently I am unable to identify this account or the claimed balance owed as mine threfore I disputed this account with all 3 credit bureaus ( XXXX, XXXX, and XXXX ) on XX/XX/2018. On XX/XX/2018 Portfolio Recovery Associates changed the remark on my XXXX credit report as " Consumer disputes - reinvestigation in progress Collection Account '' but have yes to change the remarks to the other two major credit bureau XXXX and XXXX. Today XX/XX/2018 I received a call from ( XXXX ) XXXX. When I called the number back it was Portfolio Recovery Associates. I was surprised to receive a call from them as they have received the dispute and have attempted to contact me anyways. According to the CFPB website " Once you dispute the debt, the debt collector can't call or contact you to collect the debt or the disputed part of the debt until the debt collector has provided verification of the debt in writing to you ''. This debt is still being re-investigated and no verification has been provided to me or XXXX, XXXX, or XXXX. I have attached copies of my credit reports from XXXX, XXXX, and XXXX, a copy of the police report and judgement proving identity theft took place, a copy showing the updated remark to my XXXX report showing this account is disputed with today 's date, as well as a proof of the call I received today while this account is currently in dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: NJ
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2017-11-15
Company: EQUIFAX, 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 reported a credit account, XXXX XXXX, on my credit report to Equifax for identity theft on XXXX XXXX, XXXX. I faxed the identity theft report, my driver 's license and social security card, my statement to remove or block the account from my credit report and a copy of the FCRA. I attached these documents to an email that was sent to me by XXXX. According to the FCRA 605 ( b ) the account should be removed/blocked within 4 days of receipt of the identity theft report. It was not removed in that timing. On XXXX XXXX, XXXX I spoke with XXXX XXXX and she confirmed that all documents including identity theft report was received and advised me the account XXXX XXXX was removed then and it takes 24 hours to update. I checked my credit report again on XXXX XXXX, XXXX and spoke to XXXX again and now he said they did not accept my identity theft report and put it in dispute which I did n't request Equifax to do. I did n't receive any written notification in 4 or 5 days of the identity theft XXXX and XXXX XXXX began to tell me they can deny but fail to explain why or send any letter saying such and that he was the highest level of management and nothing else can be done. I talked to XXXX XXXX once again on XXXX XXXX, XXXX and I was informed by the representative that she was sending to their special Handling team in regards to my identity theft report so the account could be removed. I checked my credit report again on XXXX XXXX, XXXX and it still shows in dispute which I did not request. I called Equifax again and spoke with XXXX XXXX and she did n't want to look at notes what was previously stated and kept stating that she was the highest level of management and refused to look into the matter. I asked for corporate information to contact management that 's over that department she refused to give the information and again stated she is the highest level of management and disconnect the call. I checked my credit report this morning and now they have removed the dispute and put in the comments voluntary repossession. Which everytime you talk to Consumer Affairs about an account my information is being reported negative and incorrect. This has been very frustrating and they have violated FCRA and refuse to go by what is required. This has hurt my credit tremendously because they are falsely reporting information and proper documents have been given. I am at my last attempt to get this resolved and have Equifax to do what is right and stop updating my credit report incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: AL
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:
Hello, From XXXX of XXXX, I filed a dispute with XXXX, Experian and XXXX Credit reporting agencies about the Charge-off account of XXXX XXXX XXXXXXXX because the high balances are completely different. In these months I have tried multiple attempts for correction or deletion of this account with these credit reporting agencies. The Fair Credit Reporting Act states that they must report accurate and consistent info on my credit report or delete it from my credit report and they have not and continue to.Report on my consumer credit report. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from these credit reporting companies as of today. Thank 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 explanation
Consumer complaint received 2023-12-18
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: Investigation took more than 30 days

Complaint:
I filed complaints about false information appearing on my credit report with XXXX, XXXX, and Experian. I informed them of the infractions they were committing on my consumer report and provided a list of the accounts. They haven't responded in more than sixty days. Copies of every letter sent are attached below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this col
lection account further violating FDCPA 809b per the FTC opinion.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: MO
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:
As usual experian has notified me that they are STILL working on the issues of XXXX more complaints which were exactly like the XXXX complaints they closed without having addressed the problem which is Experian NOW has stolen XXXX going on XXXX  months of on time never late payments to XXXX and refuse to give them back mean while pushing loans and credit cards that are junk and experian also tells me if I give them money they will update my scores, that's the true definition of EXTORTION

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 2023-12-18
Company: Experian Information Solutions Inc.
State: MO
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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