BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent a request for validation to XXXX XXXX  ACCT # XXXX for the they claim I owe them, they received my initial letter on XX/XX/2023. They didn't reply in a timely matter of 30 days. Also they didn't furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the XXXX XXXX explaining all of this and told him his company needed to delete it form my credit reports but he chooses not to. Thanks for your review. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of the Fair Credit Reporting Act is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) Grace period

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 2019-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX ( All 3 Bureaus ) 30 days late as of XX/XX/XXXX ( All 3 Bureaus ) 30 days late as of XX/XX/XXXX ( All 3 Bureaus ) My credit has always been very important to me. When things started to get tight I went to XXXX XXXX ( a consumer credit counseling agency ) to help me manage my payments and to ensure that I could successfully pay off all of my credit cards without being late, including Capital One. Unfortunately, somehow Capital One reported me late for 3 months and it seriously damaged my credit. 

I enrolled with XXXX XXXX on XX/XX/XXXX. When I enrolled, the credit counselor determined what each of my payment amounts would need to be to ensure I would not be late on my obligations ( including Capital One ). On XX/XX/XXXX XXXX XXXX debited my account for the first time. The Capital One minimum payment of {$140.00} was due on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX paid Capital One just {$120.00}, which was {$19.00} less than the minimum payment. For some reason, Capital One did not accept the offer from XXXX XXXX until XX/XX/XXXX. This caused the very first 30-day late payment to be reported to the credit bureaus in XXXX. The Capital One account was still not showing that the minimum payment had been paid. Capital One reported this as a 30 day late payment to the credit bureaus in XX/XX/XXXX. 

When the XX/XX/XXXX billing cycle came around, the minimum due to Capital One was {$320.00} on XX/XX/XXXX. XXXX XXXX debited my account on XX/XX/XXXX and paid Capital One {$120.00} on XX/XX/XXXX. Capital One reported this as a XXXX late payment to the credit bureaus in XX/XX/XXXX. 

When the XX/XX/XXXX billing cycle came around, the minimum due to Capital One was {$320.00} due on XX/XX/XXXX. XXXX XXXX debited my account on XX/XX/XXXX and paid Capital One {$120.00} on XX/XX/XXXX. Capital One reported this as a 30-day late payment to the credit bureaus in XX/XX/XXXX. 

By the following month, the payments being made by XXXX XXXX were enough to catch the account up, but at this point the credit damage had been done. There were 3 rolling 30-day late payments which hit my credit report and severely dropped my credit score. 

Since this time, all payments have been made on time. However, the damage had been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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: Account status incorrect

Complaint:
It has come to my attention that you are reporting With your company to my consumer report that is illegal according to the fair debt collection practice act Delete those transactions or delete payments from my consumer report Affidavit of business information for credit purposes It is come to my attention that your company and organization Have reported several inaccurate accounts on my business credit profile. According to the fair debt collection practice act, 3rd party creditors must provide Proof and accurate documentation of a contract between a consumer and said company. 
XXXX XXXX XXXX States for the record This company has no agreements with any 3rd party debtors and Majority of consumer debt It's accurate and current please remove all misinformed information from our company consumer credit profile remove all late payments or collection accounts. Update consumer accounts to paid As agreed. Please reflect for the record all XXXX XXXX XXXX statementsFor the consumer profile of 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 2023-02-17
Company: Experian Information Solutions 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:
I am a victim of identity theft. Experian is violating my right to privacy without my consent. The nonaffiliated 3rd party companies identified in this report along with Experian DO NOT AND NEVER HAD MY CONSENT TO use and share my nonpublic personal information. Im aware that this not only a violation of the Fair Credit Reporting Act but also constitutes as a violation to the Privacy of Consumer Financial Information Rule ( Financial Privacy Rule ). Their unfair, deceptive acts are harming me a consumer along with causing me financial hardship and complications while trying to operate in commerce! Ive made the Federal Trade Commission aware of their illegal actions * see attachments*

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 2023-06-23
Company: Shellpoint Partners, LLC
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I keep getting notices from my mortgage company that I dont have an XXXX policy, which I do. I verified on my account via their website that they know who my insurer is. At my first notice, I contacted my insurer and stayed on the phone with them as they faxed my mortgage company my policy. At that time, I also verified that they had the correct contact info, loan number, etc. They already had that information and their system auto sends that to the mortgage company, but either way, it was faxed that day. 

Second notice : I called the mortgage company to ask why I was getting notices. They responded that the notice wasnt for my XXXX policy, but for the condo associations master policy that they had since received and no further action was required. At this time, I also verified that they had received the XXXX policy, which they had. 

Third notice notified me that the mortgage company was going to purchase an XXXX policy since mine had expired and that they would charge me for it and that it would cost me more money. This has occurred over several months. I can not resolve this on my own. Their customer service says one thing, then I receive notices that Im non compliant in the mail. I need help. The company is NEWREZ LLC

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 2018-05-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I asked that my fraud alert be removed as it has prevented me from using my personal credit in both a personal and business transaction, yet to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: ALLY FINANCIAL INC.
State: AR
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:
On my all three credit bureaus show inquiries of almost 50.

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 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Despite sending two dispute letters, via certified mail, regarding my XXXX XXXX XXXX  account on XX/XX/XXXX & XX/XX/XXXX, and uploading supporting documentation via Transunions online dispute portal, showing on time payments deducted from my bank account, Transunion continues to state a inaccurate late payment that never occurred, is verified. Transunions refusal to correct clearly inaccurate information is in violation of federal law, has significantly damaged my credit score and has had significant, unfair and unnecessary financial and emotional repercussions. My credit score has unnecessarily dropped nearly 60 points and I can not acquire needed credit during a catastrophic pandemic. Per FCRA, Transunion is required to have a copy of original documentation ( a consumer contract with my signature on it ) as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ). Furthermore, despite two requests via certified mail, Transunion has failed to provide the method of verification under 611 ( a ) ( 7 ). Per section 611 ( 5 ) ( A ), Transunion is required to promptly delete all information that can not be verified. Please be advised that this is my third request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights, seek relief and recover all monetary damages that I may be entitled to under 616 and section 617 regarding your willful and negligent noncompliance.

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 2019-11-01
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( XXXX & XXXX  ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-17
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. 

Account name : XXXX XXXX  Acct # 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 2019-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
This was reported late 90 days yet there is no prior reports of late from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: SYNCHRONY FINANCIAL
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
Its ridiculous how they solve a company and I will send the APR wants to go up late fees want to go up is ridiculous I dont think its fair

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 2021-10-06
Company: EQUIFAX, INC.
State: MO
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:
My name is XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I sent a request for reinvestigation due to inaccurate information reporting on my credit report. I want to bring attention to the follow law which is 15 U.S Code 1681e Compliance procedures ( b ) accuracy of report. The law states the bureaus are required to follow reasonable procedures to assure maximum possible accuracy of the information reporting. They have failed to do that, and my rights have been violated. The laws also state there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I even demanded that they provide me with the methods used to verify such information and have not received any response as required under 15 U.S. Code 1681 ( b ) Reasonable Procedures. I have not received any correspondence of any investigation being initiated on my behalf which is again a violation of my consumer rights. The law states that any and all unverifiable information is immediately deleted and blocked from my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: PROVIDENT FUNDING ASSOCIATES
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
While truing to refinance my mortgage through Provident Funding Associates, L.P. Loan Officer XXXX XXXX / NMLS ID : XXXX asked me to sign a mortgage application that was not correct ( excluded some of my liabilities ) in order to proceed with the refinance and lock my rate. I asked him to add the liabilities to the form so I could sign it, but he said he could not do that. He said to sign the incorrect initial application, and the changes would be reflected on the final application I would also sign. If I did not sign the initial application with the incorrect information, he could not proceed with the refinance. I told him this was not right, I would not sign an application that was not correct, and asked to speak with a supervisor. He refused to let me speak to a supervisor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Stellantis Financial Services US Corp.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Notice Of Dispute XX/XX/2023, we did application for personal services at XXXX XXXX XXXXXXXX XXXX XXXX. After asked for our social security card I was under the impression that I was entering into a consumer credit transaction. Instead on XX/XX/2023, we received a letter of discrimination. Adverse action had been taken in which it is unlawful for any creditor to discriminate against Any applicant with respect to any credit transaction. Stellantis Financial Services , Inc also obtained information from my consumer report without my written or oral permission/ consent. Notice : your financial Institution is in violation of the Equal Credit Opportunity Act the Federal Agency that administers this Act will be notified of your unlawful Acts.

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 2022-01-24
Company: Experian Information Solutions 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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2023-02-17
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

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 2019-04-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Equifax Confirmation # XXXX I am filing a complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I disputed. Please resolve this matter as soon as possible. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown 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 taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-11-02
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: Account information incorrect

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; 2. XXXX Inquiry Date XXXX XXXX, XXXX ;

Company response to consumer: Closed with explanation