BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-10
Company: Credit Plus Inc
State: PA
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:
XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : ( XXXX ) XXXX This company checked my credit on XXXX XXXX 2016, when I had not filed for credit or changed any credit. This lowered my score.
It is like talking to the wall when you call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
i contacted experian on XX/XX/XXXX to request information on accounts that should not being reporting to my credit. I have giving them more than 30 days and have not received any acknowledgement to my concerns

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 2023-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called in to try to close a fraudulent credit card application and was told it was cancelled. Then a week later still received the credit card. Called in today XX/XX/2023 with XXXX identity protection agent XXXX to help me get the account closed. Was transferred 5 times, and was told by supervisor XXXX that I couldnt close the account because the identity protection agent was on the call with me. Even though we were not told that was a problem beforehand. I just want the card that I didnt ask for cancelled and cant seem to make it happen.

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 2023-10-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My monthly mortgage payment for Select Portfolio Servicing ( SPS ) went from {$2600.00} to {$2900.00} on my XX/XX/XXXX statement. I was never told of this increase nor why it was happening. It is illegal for them to do that and I want them fined and my statements corrected. 

They should not be allowed to keep this increase in place and should be backdated to XX/XX/XXXX so I can continue to make my old payment amount until I catch up! 

Now, I am not a dummy. My guess is my escrow account was recalculated. I get that but they never notified me. It was a hardship for me to make the payment, never having been notified. 

Now, these bozos might argue that they put it in the previous month 's statement ( they did not ) so it was not conspicuous at the least. 

I have sent several emails to them and mailed a letter to them. Here is the unforgivable part : THEY SENT TWO LETTERS ACKNOWLEDGING RECEIPT OF MY EMAILS AND LETTER! Whoop de do! They have done nothing about it. No response addressing the issues!

They have not called me ( And if they claim they have, they are clearly not calling from company lines or I would have picked up their call when I saw their name on their caller id ). 

Further, they will argue, " Oh, he is in bankruptcy. We can't call him. '' Not true. My case # XXXX was XXXX officially on or about XX/XX/XXXX - OVER ONE YEAR AGO!!!

I am sick of this. I am trying to get caught up on my payments and should be able to do so within the next 3 weeks BUT I still do not know why my payment went up? Should I pay the increase?. 

Can you please help? No one is helping me and it is terrifying!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: MS
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:
YOU ARE BREAKING THE LAW!! It is illegal to furnish income on a consumer report! A charge-off, according to the XXXX  is defined as gross or ordinary income and income is not supposed to report on my consumer report! You HAVE NOT sent me a 1099C! 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.I demand you remove the following information from my consumer reports immediately ; XXXX XXXX XXXX Un opened XX/XX/XXXX for {$1100.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$27000.00}, XXXX opened XX/XX/XXXX for {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank of America is inconsistent with the way they manage my business bill pay which makes it Impossible for me to know how much is in my account. They sometimes deduct the funds on the day it is scheduled, and sometimes do not. They have for 10 years I have had bill pay deducted the funds the day the payment is scheduled, however in XX/XX/2022 they changed it without warning causing me to bounce checks, I made a complaint thru cfpb and they fixed the problem, however today it has started again, I had scheduled XXXX to be paid today and those funds still show in my account making me think I have XXXX more in my account than I really do XXXX XXXX XXXX XXXX XXXX XXXX View payment details to XXXX XXXX XXXX XXXX XXXX XXXX on XXXX in the amount of {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX payment details to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in the amount of {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payment details to XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX in the amount of {$490.00} XXXX oXXXX XXXXXXXX  XXXX plan XXXX View payment details to XXXXXXXX XXXX XXXX plan XXXX on XXXX in the amount of {$100.00} XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on XXXX XXXX XXXX amount of {$850.00} XXXX LXXXX XXXX XXXX XXXX payment details to XXXX XXXX XXXX, XXXX XXXX in the amount of {$2000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: LEXISNEXIS
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:
I have a problem with LexisNexis they will not provide me proof of verification for my public records accounts. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A )  and Bankruptcy Court you are required by federal law to Verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. LexisNexis has valeted the law and must delete the accounts on my public record. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an Original Consumer Contract with my Signature on it ) you have on file of my public records Bankruptcy Chapter XXXX as well as Chapter XXXX. I have enclosed a letter requesting method of verification of the accounts as well as a letter for the XXXX Federal Bankruptcy Court stating they do not provided any information to third party LexisNexis about any and all public records. Also my Social Security Number is not listed and my address is incorrect on the public records findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 want to notify the credit bureaus YET AGAIN that I was a victim of identity theft and that I want these fraudulent items that were added to my credit report as a result of thealleged identity theft removed. Credit bureaus are obligated to REMOVE any items identified in identity theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Here is the list of things I wanted to get rid of, once more. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.

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 2023-05-01
Company: EQUIFAX, INC.
State: VA
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
After reviewing my credit report dated  X/XX/2017    and   XXXX     I noticed that  Capital One w as reporting information incorrectly. On   XXXX   XXXX    Capital o  ne  reported that my pass due amount was {$160.00} as of   XXXX   XXXX     and on   XXXX   XXXX   they reported as passed due {$190.00} as of   XXXX   XXXX    . This is less than  XXXX  hours. They also stated on both reports that there was no recent payment which was incorrect. This shows th at Cap  ital One ha s falsely reported information to the bureaus concerning my account. Since this is falsely reported I request that this account be removed from all credit reporting agency in violation of the FCRA by misrepresenting the amount owed or due. This also violates SC Law section  37-20-110. I have attached copies of recent payments made to Capital One and the reports that were received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Experian Information Solutions Inc.
State: LA
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 been the victim of troubling and on going ID THEFT. I have had a fraud account that was removed from my credit report and Experian has in the past removed it and now they are re-reporting it. I have sent in police reports as well as other supporting docume nts.    XXXX   XXXX   WITH A BALANCE OF  XXXX  THIS IS A FRAUD ACCOUNT AND NEEDS TO BE REMOVED. I HAVE SPOKEN WITH   XXXX    AND WAS TOLD IT WAS EXPERIANS RESPONIABLY TO REMOVE THIS

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 2022-04-26
Company: EQUIFAX, INC.
State: TX
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 item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my follow-up time to complain about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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:
I sent my letters of XX/XX/22 I told credit bureaus to '' investigate every piece of information '' on accounts I have listed below. 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 According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or made of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 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 2017-05-10
Company: Franklin Collection Service, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For over a month, I have been getting calls from a XXXX XXXX XXXX XXXX XXXX number at work. The first time I picked up the phone but there was no answer. Then they called two more times that first week. Being annoyed, I took down the number and did a search on it. Various call checking sites had the number listed as spam ( i.e. XXXX, XXXX, XXXX, etc. ). They also gave the company name : Franklin Collection Services which I did not have before since there was no answer on the line nor did they ever leave a message. For a while, I ignored the calls as the call checking sites advised but the calls kept coming. It was then that I started reporting the numbers to the FTC. After reporting four with the XXXX prefix, I got another one starting with XXXX just last week ( X/X/17 ). I have also filed a complaint with my Attorney General ( X/X/17 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Experian Information Solutions 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:
Reference to XXXX  XXXX XXXX correspondent date on XX/XX/2021 agreed to remove the inquiries date on XX/XX/2021. Consumer Reporting Agency denide to remove it and fix my credit score ( Increase ) as it should be.

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 2023-04-06
Company: EQUIFAX, 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:
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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, 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:
They continue to block access to the online dispute system, I 've filed complaints with them in the past and they will remove it but then it will be placed again and wo n't allow me access.

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 2017-05-10
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi, I am complaining abou t the Paypal Credit Co. For almost 5 months now, they have been charging me late fees of {$35.00} repeatedly when  I already enrolled in a debt management program.     They have been delaying the acceptance of this program yet receiving the money that they send.     First, they said I need to send a letter to let them/allow them to call me or contact me because I refused their call back in  XXXX    XXXX  , when they repeatedly called my office. But then I sent a letter to allow them to contact me on my cellphone.     Second, they ask me to send a letter with my signature on it, that I am enrolled/ allowing the  XXXX   XXXX  to send my payments. Last  XXXX , I sent them that letter and now it 's  XXXX , they again asked me to send this authorization. I contacted them again regarding this & will send again this authorization & I also advised them that I will file a complain regarding their company with the Consumer Financial Protection Bureau.     Still, the {$35.00} late fees keeps incurring in my account thus minimizing my monthly payments.     They are inefficient in processing this papers & thus keeping me under debt.   Please help me make this company responsible for their actions.     Thank you.

Company response to consumer: Closed with monetary relief