BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
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:
To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 



I am writing this letter to dispute the following accounts XX/XX/XXXX XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XX/XX/XXXXXXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORTXX/XX/XXXX XX/XX/XXXXXXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORTXX/XX/XXXXXXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORTXX/XX/XXXX XXXX - IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XX/XX/XXXXXX/XX/XXXXXXXX - UNAUTHORIZED - PLEASE REMOVE FROM MY CREDIT REPORT The following names aren't mine or correct- PLEASE R This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Capital One promotional check offering 0 % APR for 18 months transacted but the promotion was not honored. Check had expired but was allowed to post anyway on XX/XX/XXXX according to XXXX at Capital One. No proof of expiry was provided with the copy of the check XXXX after discussing the issue at length. The same promotion was offered throughout the year ending XX/XX/XXXX. Proof will be provided below. I was sent multiple bundles of checks offering this 0 % APR for 18 months promotion and they are attached below. The fifth phone call was made today ( XX/XX/XXXX ) with XXXX - XXXX at Capital One Executive Headquarters, and I told her that the federal government will judge this according to the proof I provide for this claim demonstrating the continued offer. Capital One has exhibited predatory lending in this case as well as fraudulent advertising and marketing to an excellent customer of over XXXX years with a high credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-04
Company: Experian Information Solutions 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:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. this ground for removal the also violated my rights under 15 U.S.C 1681 Section 602 A. Status I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer repoting agency can not furnish a account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have held an account with XXXX for 8 years and never missed a payment. The only reason I keep the account is because it is one of my oldest accounts. Every month they charge a monthly fee for having the account. They dont offer automatic payment plans. Between XX/XX/XXXX and XX/XX/XXXX I was traveling extensively for work. I have every alert/notification Turned on for the sole reason of not missing a payment. I did not receive be alert or notification, no email text or even phone call from XXXX  XXXX stating that I missed a payment. I only found out after my credit monitoring company informed me that XXXX has reported I missed TWO payments. I tried contacting XXXX immediately but they dont offer a phone number to contact them, only if you want to apply for a new card or general account information, password change, address changed etc. 

It is improper to offer services such as notifications for late/missed payments then not use those services to inform someone they missed a payment. Not only that, Then XXXX reports you late by two payments. I do not miss any payments, not on any of my accounts, and this negative reporting is abusive when there is no option to remediate the issues.

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 2022-10-25
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: PA
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'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 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
Consumer complaint received 2022-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a card from Bank of America that I did not apply for I shredded the unwanted card the same day I received it I checked my XXXX XXXX Credit Report and it shows XXXX accounts with Bank of America XXXX with a balance of XXXX and a credit line of XXXX and another with a XXXX balance I have never used these accounts

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 2022-10-25
Company: Experian Information Solutions Inc.
State: OR
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 was XXXX XXXX XXXX I notified XXXX before going in. They reported collections anyway. 
I never signed anything that would allow a Business Account to be guaranteed by my personal social security number. 
No signature what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'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 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 non-monetary relief
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Specialized Loan Servicing Holdings LLC
State: ME
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I had a loan with Specialized Loan Servicing, never missed nor was late on any payment, my bank was on auto-pay when I paid the final payment I went online to check my status and my account was closed so I figured all good, when I looked at my bank statement I saw they only withdrew half of the final payment, so I called, I should say I finally got through to a person, I kept being put on hold sometimes I waited 30 minutes before hanging up, they told me I needed to call back the next day, when I did they told me I was supposed to call on my last payment for the correct amount. I purposely overpaid on the final payment just incase, and that more than covered the XXXX, I asked them if they were going to report this as a late payment, they said NO, and I never heard nor received any notifications, not even the usual monthly statement, can you please remedy this for me, thank you, PS. Ive never had a late payment for the life of this loan and the last payment after " Im guessing '' 10 years I decide to not pay??

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 2023-05-29
Company: Experian Information Solutions Inc.
State: MI
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 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 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 2023-05-29
Company: Experian Information Solutions Inc.
State: IL
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

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 2023-05-29
Company: Experian Information Solutions Inc.
State: NV
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:
There are two addresses on my report that i have never lived at. And there are 5 variations of my name that aren't right.

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 2023-05-30
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:
In accordance with the Fair Credit Reporting act. The item below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXXXXXX 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item 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 explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: NV
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 convergent account XXXX XXXX # XXXX has violated my rights. 

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX has violated my rights. 



In accordance with the fair credit reporting act convergent account XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXX has violated my rights. 



In accordance with the fair credit reporting act convergent account XXXX  XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX  XXXX has violated my rights. 

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX has violated my rights. 

In accordance with the fair credit reporting act convergent account XXXX XXXX  XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX  XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXXXXXXXXXXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX DIST CT Bankruptcy XXXX XXXX # XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account 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 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 2023-03-20
Company: Westlake Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Per USC title 15 1681 [ N ] any reporting of my personal credit without expressed consent is a violation of the law cease and decist all reporting and inquiries without expressed written consent from me the consumer.

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 2016-06-22
Company: U.S. BANCORP
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am refinancing my FHA mortgage into an FHA streamline from US Bank to XXXX Mortgage. XXXX reached out to US Bank via fax at XXXX on XXXX XXXX to request a payoff amount, and has yet to receive anything as of today, XXXX XXXX. This is holding up my closing date, which now will most likely have to be moved back. I contacted US Bank on XXXX XXXX to get this request expedited, and I was told that they did n't have a request on file, despite the fact that my loan processor from XXXX had spoken to US Bank several times over the phone between the XXXX and XXXX to get the payoff sent. I was told that because their fax machines are constantly busy, the initial request from XXXX may not have made it through, causing the delay. For an institution as big as US Bank is, this is utterly unacceptable, and it is doing me a disservice as a consumer and customer. I was told in my conversation last night that the payoff request is being sent to XXXX, and they should receive it in XXXX72 hours. For something that should only take a couple of hours at most to process to take XXXX3 days, in addition to the 5 days previous it has been on hold for is absolutely unacceptable, as my account is up to date and current, so nothing should be holding this up.

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 2022-10-25
Company: EQUIFAX, 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:
I was notified by XXXX XXXX last week that there was a new inquiry on my Equifax credit report, dated XX/XX/2022. I viewed the inquiry and all that it said was " XXXX '' and the date. I contacted XXXXXXXX XXXX directly and they did not show any new accounts or recent applications for credit in their file. They then suggested that I contact Equifax. After contacting Equifax, it was still unclear who pulled my credit and for what reason. They told me that my only recourse was to submit a fraud report and they would look into it. I have not applied for any recent credit, and I did not authorize any company to pull my credit on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

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

15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an 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