BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-18
Company: Veros Credit, LLC
State: FL
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:
On XX/XX/2018 I XXXX XXXX went to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Asked auto dealership multiple times will this be a soft inquiry to get information on options potentially for a car in the future. The representative for this dealership on multiple occasions stated that it will not do a hard inquiry on my credit score. I never authorized any hard inquiries for a credit check nor signed any documents to allow this to happen. The moment this inquiry, which was suppose to be a soft one on my credit report to see my options, was applied. My credit application notified me that there were 4 hard inquiries pulled on my credit report which dropped my XXXX credit score 11 points. I never authorized this nor, signed anything to authorize these hard inquires. I am in the market of purchasing a home and this greatly effects my chances of achieving my goal of purchasing a home that I wish to do as soon as possible. Therefore I am requesting the following Hard inquires to be removed immediately from my credit report : 1. XXXX XXXX XXXX ( Auto financing ) inquiry from XX/XX/2018 2. VerosCredit.Llc ( Auto Financing ) inquiry from XX/XX/2018 3. XXXX ( Miscellaneous Reptg. Agencies ) inquiry from XX/XX/2018 4. XXXX XXXX XXXX   ( Auto financing ) inquiry from XX/XX/2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
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: Was not notified of investigation status or results

Complaint:
I sent a letter to Experian over 60 days ago on XX/XX/2020 for an inaccurate account on my credit report. They are non compliant and have failed to remove information that was affiliated with personal details that were challenged in the past. They never sent me any response and are in violation of the Fair Credit Reporting Act. I have attached the letter I sent them.

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 2018-07-18
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Started receiving phone calls from someone named XXXX, XXXX left a message threatening to show up at my work and I must have my supervisor present so they can serve me papers. Received 4 calls in a row on XX/XX/18 no message left, I called back XXXX answered never identified his company or that he was trying to collect a debt. He started to ask me personal information ie. SS # and to verify my name. I informed him I was not comfortable doing so not knowing what this is about, he transferred me to a XXXX XXXX which informed me that they have been trying to service me with documents in regards to a debt, she also never recited the fair debt collection phrase. She told me they were trying to serve me with a court date but didn't have a court date but said they have been trying to serve me for a while now but could only provide one date as of XX/XX/18. I asked XXXX if she could mail me the information because I don't see anything showing at XXXX for any court date or request for judgment against me she informed me she couldn't send me anything but could have an apt set up to have her carryer service come back out to see me. I informed her they are not to show up to my work. I ended with telling her I would look into my rights and get back to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: FL
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 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 2018-08-15
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian continues to report 4 collection account that do not belong to me & refuses to further investigate the disputes. Since these accounts do not belong to me & are damaging my credit due to Experian negligence & must be deleted from my report immediately. 

1 ) XXXX XXXX XXXX XXXX XXXX # XXXX 2 ) 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 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
UNAUTHORIZED INQUIRIES LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG.

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 2018-07-18
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid off my XXXX 's account in full, but somehow they say I left a {$1.00} balance on the account which is absolutely not true. I would not leave a XXXX XXXX balance on the account. I simply paid it off and did not think twice about it again until I noticed they were reporting me 90 days late as ofXX/XX/2018, and then 120 days late in XX/XX/2018. I have tried to dispute this as an error due to the fact that I paid this account off in full and there should have been no balance left over, and therefore no late payments 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 non-monetary relief
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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:
I have unauthorized inquiries and a fraudulent account on my credit report. 


Inquiries XXXX, XXXX XXXX Account 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 2018-08-15
Company: EQUIFAX, INC.
State: PA
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:
Equifax has on XX/XX/XXXX that I have a too many delinquent past or present mortgage credit obligations as I have not had any mortgage since XXXX in which is in litigation and there is or any money owed to mortgage or after the Foreclosed the property was sold for more than I paid so there is no negative money owed and there are not any more present or past mortgage debt owed. Also Equifax has yet to mail out any updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted.

1.XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX   5. 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 2017-09-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Became aware of Equifax breach on XXXX XXXX, Checked Equifax site and found my credit information was compromised. XXXX Put a freeze on my credit at all 4 credit bureaus and a fraud alert at XXXX XXXX XXXX Registered with Equifax and received message to get back to them on XXXX XXXX. Signed up for the " Free '' Equifax TrustedID Premier credit monitoring. 

Have not received any confirmation E-mail, Phone call or letter that I have an account established. Have checked on line at Equifax and the site shows I DO NOT HAVE MONITORING. I have tried every phone number I can find for Equifax ( 5 numbers ) and only the XXXX one is answered. They told me to call the US number ( one of the 5 ).
All are automated to sell products.
I want confirmation that I have " FREE CREDIT MONITORING ''.
I want a phone number for Equifax that is answered by someone in the USA.
I want FREE LIFETIME CREDIT MONITORING.
Can the Federal Government provide a number ( that will be answered ) where I can get a straight answer to my question from Equifax? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit report with experian shows an unauthorized enquiry from a company name XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, md- XXXX on XX/XX/2018, i did not authorize them to pull my credit & would like Experian to delete this enquiry from them.

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 2019-01-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage {$80000.00} Foreclosure XX/XX/XXXX Lawsuit filed-XX/XX/XXXX. By several homeowners against the City, engineers, contractors, Implementation team.

Due to a City owned Dam Breach.  The largest environmental lawsuit in Michigan.

Caused flooding, mold and contamination to several homes and properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been in contact with CapitalOne since early XX/XX/XXXX. I have made numerous calls and sent numerous emails ( two calls occuring as recently as Friday, XX/XX/XXXX and Wedensday XX/XX/XXXX ). 

I had a dispute with XXXX an attorney and in my case a mediator/arbitrator. 
I authorized a charge to put in {$7500.00} in a trust account only because he thretened he was going to use this against me in deceiding custody. Mr. XXXX refuses to give me the money back in trust and continues to bill against it for emails etc. 

Here is what I responded to CapitalOne with : 1. Proof of Return/Cancellation - I do not have proof of cancellation because I was threatened that if I didnt put money in a trust it could adversely affect the custody of my four year old daughter. ( See testimony from my attorney and court documents Dqmotion.PDF pages 6-15 ). 
2. Proof of alternate payment - Disp Tran There was no alternate payment. Mr. XXXX would not allow me to pay on a payment plan. 
3. Copy of your sales receipt Attached. I requested a confirmation of the split, but never received it. This money was to be held in a trust and this Mediator/Arbitrator continues to bill me against. I have no idea of what I am being charged for at this point. ( see email exchange ) 4. Response to the Merchant`s Rebuttal - I dont know what he has as his response. Again he has used the custody of my daughter to force me to pay him. 
In addition I have issues with my bills. Mr. XXXX charged me with a search for a psychologist for my daughter and we ended up with the psychologist I suggested in the onset. He gave me a partial refund for me disputing ex-parte communications ( see below ), but refused to refund me for the entire bill. 
I have disputed them a couple of times. My attorney XXXX XXXX told Mr. XXXX in XX/XX/XXXX that I would no longer be able to afford his services however he would not put me on a payment plan ( see email below ). Mr. XXXX was told in XX/XX/XXXX ( see attachment XXXX XXXX XXXX ) I did not have the means to pay him, yet he again threatened to use nonpayment against me in custody dispute. 
There must be some consumer protection against this behavior. 
I have been a long time customer of Capital One. My expectation is I will have your support. Please have someone contact me ( XXXX XXXX XXXX. 
Thank you. 
CapitalOne Case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Experian Information Solutions Inc.
State: NH
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: Investigation took more than 30 days

Complaint:
Despite me having made all mortgage payments on time and as agreed, XXXX XXXX XXXX has reported inaccurate, false and misleading information on my account and now has refused to fix my credit reports. I have twice disputed the inaccuracies and in fact XXXX 's own customer service did agree with me that they had my payments and sent them back and that they should have applied them correctly and she wasn't sure why they were sent back to me. She stated that she would also file a dispute on her end on my behalf at least thats what I was told by cutomer service. I am not sure if they ever did file a dispute. I have provided substantial proof of payments to the company. XXXX failed to properly allocate these timely made payments that I sent to them and in fact XXXX sat on these payments for well over a month before they decided to send me back my payments. They sent my payments back to my bank and then went ahead and reported these payments as being late or never recieved. XXXX failed to ever call me, email me or send correspondence as to why these payments were not being applied correctly to my accounts. They did go on and report false inaccurate and misleading information to the credit reporting agencies as a result of their own errors and refuse to acknowledge their mistake and correct my records.I have attached further explanation and proof of documents and will be reporting to other consumer agencies but will try this avenue before seeking legal help for damages. Please help me get this corrected.

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 2022-04-14
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hi there! 
Three unauthorized and unknown transactions-exactly same amount. 
I first contacted Cashapp about 2 months ago with a time of 30-45 to address. Since then repeated attempts with promises of problem escalation and other reminders to reimburse-nothing. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Prosper Marketplace, 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:
Unauthorized hard inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX IN all occurring on XX/XX/2018. 

Subsequently I was contacted by Big Picture Loans on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # 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 2018-08-15
Company: CHECK INTO CASH 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:
Unauthorized hard inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, CheckIntoCash, and XXXX  XXXX  IN all occurring on XX/XX/2018. 

Subsequently I was contacted by Big Picture Loans on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: First Associates Loan Servicing LLC
State: AR
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
When I attended XXXX XXXX XXXX, I was unaware that they got a private loan in my name. I was under the impression that I was getting federal loans like the rest. I've called this company explaining the situation and they refuse to comply. Please help me. This is wrecking my credit. I've filed an FTC report as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: EQUIFAX, INC.
State: NH
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: Investigation took more than 30 days

Complaint:
Despite me having made all mortgage payments on time and as agreed, XXXX XXXX XXXX has reported inaccurate, false and misleading information on my account and now has refused to fix my credit reports. I have twice disputed the inaccuracies and in fact XXXX 's own customer service did agree with me that they had my payments and sent them back and that they should have applied them correctly and she wasn't sure why they were sent back to me. She stated that she would also file a dispute on her end on my behalf at least thats what I was told by cutomer service. I am not sure if they ever did file a dispute. I have provided substantial proof of payments to the company. XXXX failed to properly allocate these timely made payments that I sent to them and in fact XXXX sat on these payments for well over a month before they decided to send me back my payments. They sent my payments back to my bank and then went ahead and reported these payments as being late or never recieved. XXXX failed to ever call me, email me or send correspondence as to why these payments were not being applied correctly to my accounts. They did go on and report false inaccurate and misleading information to the credit reporting agencies as a result of their own errors and refuse to acknowledge their mistake and correct my records.I have attached further explanation and proof of documents and will be reporting to other consumer agencies but will try this avenue before seeking legal help for damages. Please help me get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This Debt is not mine and this debt is old. They keep reporting this old debt on my credit report. This should be removed as this has already been disputed several times with this company. I am requesting a internal investigation and removal.

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 2020-12-04
Company: FCI Lender Services Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it concern : I have been trying to work with my lender to help me save my home. I have a complete packet right now waiting for a resolution but they are trying to get me out of my home while my review is active. XXXX XXXX XXXX posted a letter on my home about leaving my house in 3 days pushing me out when I have no foreclosure sale date on my home!

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 2021-05-19
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Two of my family members approached me that they were being harassed by midland debt collection. I have also been consistent called and asked for them to quit calling so much. It was to the point where they would call me and my family members 3-6 times a day.

Company response to consumer: Closed with non-monetary relief