BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-10
Company: Bepensa Capital, Inc.
State: IN
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:
Credito real has reported private information on my consumer report that I did not give them consent. I take pride on having the right to privacy and my privacy has been breached. My federal rights as a consumer has been violated. 15 U.S.C. 6801 states that that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

they are reporting an illegal repossession and late payments that is ruining my reputation and defaming my character as consumer which is not public information that could searched. not one person can research that I was late on a payment or that a my property was illegally repossessed. 

The definition of non public information under this subchapter also could mean any information resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. 


THIS IS MY FINAL NOTICE BEFORE I PERSUE LITIGATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On XXXX XXXX an application for a Capital One Venture card was applied for and denied. Amount requested is unknown. 

On XX/XX/XXXX I submitted a temporary fraud alert with all three credit report agencies and froze my account so my credit won't be able to be pulled. On XX/XX/XXXX I called the FBI to report it per my lawyer 's advise. The FBI told me to submit this report and go file a police report which I will be doing by XX/XX/XXXX. 

All information provided was current information that not many people have besides my lawyer, work and my ex who I've been in a ugly custody battle for the 2.5 years whom recently lost a domestic violence case. He's done something similar and used my personal information to sign me up to be an escort on a site. I caught him and confronted him about it but he acted like he didn't do it even with proof. He has an ongoing investigation case that my lawyer suspects him as well for stalking and duplicating his XXXX account to make him look bad and obtain personal information on him. I'll provide more information upon request. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: CCS Financial Services, Inc.
State: NY
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:
Credit Control Services Inc Is reporting a fraudulent account on my credit. I dont know what this account is and have repeatedly asked the company to stop the reporting of this account as it doesnt belong to me. Please see the attached FTC report and please stop reporting of this account on my credit

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were inquiries showing on my report and these report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2021 SPS ( Select Portfolio Servicing ) reneged on XX/XX/2021 letter acknowledging having received a completed application asking if single family house xyz had rental income. I had already emailed and stated inside application itself dated XX/XX/2021 Currently, income from xyz rooms is {$0.00}. 

On XX/XX/2021 I angrily repeated to SPS no change in income in a 45 min phone call where SPS relationship manager xyz asks if I wanted to pay XXXX mortgage payment at no fee and tells me decision moved from XX/XX/2021 to XX/XX/2021. 

On XX/XX/2021 SPS acknowledges application complete but resets date from XX/XX/XXXX to XX/XX/2021 delaying SPS decision by over 2 weeks. Processing time is 30 days. 
This results in decision delayed from XX/XX/2021 to XX/XX/2021 hoping the xyz family will in the future be able to pay past mortgage payments and SPS refuses to help. 
SPS commits fraud employing tactics to confuse, delay and not help by stalling decision to help or not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: TX
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:
Equifax is reporting the same account from XXXX XXXX XXXX twice. The collection open dates are different for the same amount and the same account number of XXXX. I have sent multiple letters disputing the inaccurate reporting and this have not been resolved. I keep getting a response stating BOTH accounts are reporting accurately. When its clear that its is NOT. Equifax added the account in XX/XX/2020. I received no notification from the company. The dispute process has been unsuccessful, as Equifax states this is verified correct. This has impact my credit tremendously and to not have this inaccurate item removed is stressful. My next step is legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Experian Information Solutions Inc.
State: CT
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: Problem with personal statement of dispute

Complaint:
Applied for mortgage refinance with XXXX XXXX XXXX  and the banker ( XXXX XXXX ) told me that Experian score was XXXX ( lower than the other 2 credit bureaus ) and that the SS number didn't match and the employee listed was XXXX yrs old. The end of XXXX I submitted a dispute to Experian asking them to recheck the XXXX XXXX accounts listed as still owed. These accounts were submitted to a collection bureau and all XXXX accounts have been paid off for more than 2 years. XXXX replied that the Info was correct and in the process of reporting it, all 3 credit bureaus interpreted the reply as new debts sending my scores to the pits. I lost the refi as a result. 
XX/XX/20 Experian XXXX XXXX  XXXX XXXX  XXXX XX/XX/20 Experian XXXX XXXX  XXXX XXXX & XX/XX/20 XXXX ) XXXX  XXXX There were no changes to my credit activity except the inquiry. Each of the 3 bureaus reports reflect good history. I reached out to all 3 credit  bureaus and they stated they could not do anything. How can I get this fixed without my scores getting another hit.

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 2020-07-17
Company: Checkr, Inc
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2020, I received an email with the results of a background check done by Checkr, for the company XXXX. The background check showed warrants with XXXX XXXX in Louisiana. However, after checking with the XXXX XXXX Sheriff 's Office, it has been confirmed that I have no active warrants, and that checker is showing years old information. This mistake led to me losing my employment and only source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a mortgage with XXXX XXXX. In XXXX of 2020 XXXX XXXX  refinanced my existing mortgage with them to a new rate. First American Title is the Title company that XXXX engaged to file the Deed on the property. Upon completion of the refinancing process, First American Title did not file the Deed of Trust with XXXX County. I am currently trying to complete a refinance of my current mortgage with another mortgage company. In the process of completing the Underwriting for my new loan, it was determined that there is no record of my current mortgage. I have reached out to First American numerous times to try to resolve the issue by apprising of the issue and imploring them file the Deed of Trust. In my initial conversation with XXXX XXXX of First American, she informed me that the Deed was e-filed on XX/XX/XXXX. Earlier the same day that I spoke with XXXX, I spoke directly to multiple people at the XXXX Count Clerks office and was informed that there was and is no current Deed of Trust filed on my property. This delay and unwillingness of First American to resolve this issue will likely result in my loss of the rate lock and thus cost me several XXXX dollars over the course of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
On XX/XX/2022 CITIBANK NAXXXX, XXXX XXXX XXXX ran a hard inquiry into my credit without my permission/approval. And on XX/XX/2022 CAPITAL ONE BANK USA99 Ran a hard inquiry into my credit without my permission/approval. This was in fact run because some fraudster tried to obtain something from those banks. I contacted both banks and I was transferred over to several people and no one was able to help me or tell me what happened. The hard inquiry is now on my credit history without my permission. And it is in fact complete fraud and I wish for it to be removed from my credit history. I called XXXX and they could not remove it as they said it needs to be removed by the two companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: GA
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 emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX  I deposit cashier check ( XXXX  ) in the BANK OF THE WEST in XXXX XXXX by XXXX ( MANAGER ). 
I have the receipt is done in XXXXXXXX XXXX. 
Today XXXX The money is not my account. 
I don't receive the check back. 
I don't receive the money back. 
I send XXXX email I send XXXX  fax and I go in person to the Bank. 

I need your help to recover my Money. 

Thank You XXXX XXXX cell # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I received a call from someone from check into cash services saying that I owed them from a debt opened last year which I had explained to the associate that I never approved any online transactions for a loan. I had XXXX  XXXX XXXX and my account had been breached. I had to pay XXXX almost 3 times to keep my account open so that the bank could try and resolve the problem. The bank ended up closing my account because I refused to keep making payments on an account that I did sign. I spoke with check Into cash to try and work out something without me paying but they refused and ultimately sent the account into collections. I wish to dispute this transaction because I dont acknowledge this account and dont have the funds to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I logged in to TransUnion, and the others, to check my credit and filed some disputes. I have a screenshot of my score with TU when I log in : XXXX. The next day, I had a friend pull my credit for a home loan application. TU is reporting my score to them as XXXX. I have a screen shot. Checked it more than once to make sure it wasn't a glitch. Still the same. I'm pretty sure that's illegal.

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 2020-07-17
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I filed recent complaint XXXX - XX/XX/2019 - ISSUE - False statements or representation. 

I have updated information that was discovered from complaint XXXX. 

# 1 The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was not an accredited Institution ; Therefore, the printed transcript of completion and credit hours had no authority or authenticity. 

# 2 The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not offer or assist in any sort of Financial Aid Options. 

# 3 The Schools recruiter guarantied after completion of the course I would make a starting salary of {$60000.00}. 

# 4 I have been paying on this loan for over 16 years! The loan I originally borrowed was approximately {$9300.00} # 5 To Date I have paid over {$15000.00} through the life of the loan. 

# 6 Now currently owe MORE than what the loan was initially taken out for. 

# 7 From recent complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX referred to me as Ms. XXXX. I am a Man I have been my entire life born and raised. XXXX is an XXXX XXXX mans name. As a matter of fact, in XXXX Baby Names the meaning of the name XXXX is : War. This being said its rather insulting for someone to referred to me as Ms. XXXX. 

# 8 From recent complaint XXXX XXXX XXXX states that I should contact my current servicer which is Navient. 

# 9 In Navient 's logon page to pay for the student loan absolutely no where does it state the loan is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The loan states that it is for XXXX XXXX College the college I attended some 8 years after The XXXX XXXX. I am guessing because was not an accredited. 

# 10 The XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX has been torn down in and they changed their name. to XXXX XXXX XXXX University. The former building used to reside at : XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, OH XXXX XXXX   XXXX # XXXX Even though graduating from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , when I started school at XXXX XXXX College not 1 credit hour transferred, nothing! I studied worked hard made the academic honor role for a fake school with fake credits and I have nothing but a canker sore of debt to pay for. 

# 12 I get multiple harassing phone calls from Navient on a daily basis. Due to Covid-19 I attempted to take a forbearance. I told them to put me on the do not call list which they ignored. I receive daily calls from a Florida number XXXX it is XX/XX/XXXX and I have received 7 calls from this number since Sunday evening!! 

This seems very fraudulent and wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2023-05-25
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:
In accordance with the Fair Credit Reporting act XXXX Accounts 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

Company response to consumer: Closed with non-monetary relief