BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without 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 719XXXX 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2023-03-28
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage loan that I have had since XXXX and never missed or been late paying my monthly mortgage payment. My property located at XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX, XXXX, CA XXXX. XXXX, my mortgage loan # XXXX was transferred to Shellpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, MI XXXX. XXXX ) Firstly, Shellpoint said that I didn't have Hazard ( earthquake ) insurance coverage on my property, I sent them a copy of my XXXXXXXX XXXX XXXX XXXX  of Liability for XXXX, XXXX, XXXX and current XXXX. 2 ) Secondly, Shellpoint said that I didn't have homeowner insurance which covered Betterment and Improvements. Once again, I provided Shellpoint a copy of my Pinecreek Villages Master All-in One HOA Insurance Policy which covers everything that is inside my unit that was there when I purchased the rental property in XXXX. 

Shellpoint changed my mortgage contract and added an Escrow account without my knowledge or signature. They placed their expensive Lender Hazard Insurance, therefore increasing my monthly mortgage payment. Shellpoint have refused to accept my HOA XXXX, XXXX, XXXX, XXXX Certificates of Liabilities, or my personal XXXX XXXX policies for Hazard # XXXX and homeowners # XXXX. 

I have called Shellpoint and spoken with numerous agents, and I have also sent the proof of insurance documents to Shellpoint via email and USPS. They still will not remove their Lender 's placed insurance, nor will they remove the escrow account from my mortgage contract and refund me my money for their Lender placed insurance. 

Will you please help me? 

XXXX XXXX XXXX Property Owner

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2021-12-14
Company: EQUIFAX, INC.
State: FL
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:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: BOK FINANCIAL CORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was closed a few months ago, and since then they have not proceed to send the cashier check with the amount of money I had on the account. Also I reported a fraud made with my debit card and I still don't have any news about the case. 
The contact with the bank has been impossible. 
I also have this case with them XXXX without any update more than one month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: LA
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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 vears. 
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. XXXX 's accounts XXXX charge of

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a personalized email invitation to sign up for a checking account with Citibank and earn a {$200.00} bonus with qualifying activity ( depositing at least {$3000.00} in a certain timeframe ). I completed all the requirements to earn the bonus, which was supposed to be awarded within 90 days of completion. I opened the account in XXXX 2021 and it is XXXX 2021 and citi has not awarded me the bonus. After chatting with them online and spending an hour speaking with a representative who kept giving me contradictory and senseless information, they have failed to properly credit my account. This is a fraudulent, unfair, deceptive act designed to defraud customers. 

the email i received said : " when you open a Citi Checking Account and deposit {$3000.00} NewtoCitibank Funds within 30 days of account opening and maintain it for 60 days '' I would receive the {$200.00} Invitation code : 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 2023-07-14
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent Midland credit a certified letter pertains to the fraudulently 2 collections on my credit file XXXX and XXXX. I ask for them to send me the purchase agreement regarding these collections. I have gotten no response and I want the fraudulent action to be removed from my credit files. They are in violation of the FCRA and my rights. They have been given multiple chances and have failed to comply. This is my final request!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: EQUIFAX, 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:
XX/XX/2019 XX/XX/2019 XX/XX/2019 XXXX XXXX have been informed by me through phone and mail about theses inquires that's not authorize by me, I was told by XXXX XXXX that they will send the companies notice and they din ; t have to respond. 

I refuse to have items on my credit report that's not mines. 

XXXX XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2019, I was attempting to make a purchase with my Capital One credit card. My card was declined. I logged in to my XXXX app and learned that my credit card account was restricted. I spoke to the customer service agent with Capital One, who informed me that there was a bankruptcy associated with my account. I assured the representative that I had never filed for bankruptcy and that was inaccurate. The representative then transferred me to a supervisor who informed me that someone would get in touch with me in a few business days with the resolution, or I could call to check the status of the issue. The representative, XXXX, said that she would email the bankruptcy department to have them investigate this. 

My account was reinstated so I did not follow up with Capital One at that time. Today, XX/XX/2019, I checked my account to ensure that my auto pay transaction completed as scheduled, and saw that my account was again restricted. I spoke with a representative who told me that I filed for bankruptcy on XX/XX/2019. This is not accurate. I asked for the city, state, etc of the filing. I was told that they did not have that information. I asked for the attorney 's name. I did not receive that information. I was told that they receive information on the filing of a bankruptcy in one of two places : the customer or the attorney. I did not notify capital one of a bankruptcy I did not file. I do not have an attorney. I contacted my local bankruptcy court who confirmed that I did not file for bankruptcy and there was no bankruptcy filed for my social security number, name, or the case number that was given to me. 

I called once again on XX/XX/2019 after speaking to two local bankruptcy courts, and attempted to get more information once again so that I could investigate the bankruptcy allegedly filed in my name. I was told after almost an hour on hold that they could not give me any information without getting the information from the bankruptcy department. The bankruptcy department was already contacted On XX/XX/XXXX, and this information should be readily available to me, the consumer, especially after a previous complaint. This treatment of a customer of over 10 years, with an account in good standing as well as an auto loan that seems to be unaffected by this erroneous problem, is wholly unacceptable and I intend to tell anyone considering doing business with Capital One to reconsider.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: MD
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 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 XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX Adjusters ) # XXXX, XXXXXXXX XXXXk XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 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 2022-11-23
Company: Experian Information Solutions Inc.
State: OH
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX have 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 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 explanation
Consumer complaint received 2021-12-14
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent Santander a Conditional Acceptance For Value letter on XX/XX/21 they received it priority express by XX/XX/21. per the notarized letter they were to respond via affidavit within 3 days plus 2 days grace, it has been 8 days, they have defaulted with no update or correction to my consumer report. As a consumer the alleged debt should have been removed entirely during the process of validation pursuant to 15 U.S. Code 1681i - ( a ) ( 1a ) Procedure in case of disputed accuracy. They did not validate the debt within given time frame nor update that it was in dispute. The investigation has concluded please delete this erroneous account from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Experian Information Solutions Inc.
State: OH
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 am not an attorney nor am I a 3rd third party. Please see my attached ID and SS card.

I was recently released from prison and it was brought to my attention that my credit profile had been compromised. I discovered that there have been several addresses and accounts for businesses opened up in my name. The first issue I found was a seen wrong SS numbers on my credit report. The following SS are not mine XXXX, XXXX. My full name is XXXX XXXX XXXX my DOB is XXXX my SS XXXX. I am in the process of filing a compliant with the FTC and the local aurthorities. The following addresses do not belong to me : XXXX XXXX XXXX OH,XXXX, XXXX XXXX XXXX OHXXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX I have to do some more reseach on my credit file to see if there are in fact more items that are inaccurate. the following accounts are fraudulent : 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 XXXXXXXX. 
I was locked up in prison when these account were opened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to resolve this issue with TransUnion and the collection agency but they will not remove this account. I asked for validation of these accounts with documents showing they are mine and I owe XXXX two collection companies have the accounts. First collection company is XXXX opened XX/XX/XXXX amount XXXX the company or Transunion who is reporting it don't have any documents. The second company is XXXX XXXX opened XX/XX/XXXX amount XXXX. According to section 609 of FCRA they have to give me some documents showing these accounts belong to me or Delete.

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 2023-04-02
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: Reporting company used your report improperly

Complaint:
As a federally protected consumer, Im aware thats youve assumed a vital role in assembling and evaluating information pertaining to me. Congress makes it known that I have a RIGHT TO PRIVACY as a federally protected consumer in which youve infringed upon without my lawful consent. Pursuant to 15 USC 1681, It is the purpose of the Fair Credit Reporting Act to insure that you exercise your grave responsibilities with fairness, impartiality in a manner which is FAIR AND EQUITABLE to me as the consumer! Inaccurate reporting impairs the efficiency of the banking system, weighs on my credit worthiness, and damages my character!

Company response to consumer: Closed with explanation