BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting act 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 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 2020-07-18
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:
Please Help me with this situation. Someone has gotten hold of my Identity I Had to shut all of my Bank accounts Down Due to fraud I also notice that my Credit files Has accounts that I did Not Authorize i never open any of these Accounts This Is All due to Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2019 A payment attempt was made for the full amount of {$9200.00} instead of the minimum payment. This was my fault as it was the first time I used this card and usually when I get a new card I set up auto pay with min payment. This is how I have it set up for all 30 of my other cards and is why I have a PERFECT PAY HISTORY FOR 10 YEARS. 


In this case I somehow must have selected pay full instead. I discovered something was wrong XX/XX/2019 when I logged into the website for a routine check and noticed the payment had not been made. When I called customer support I was told that my account had been froze due to non payment. I explained the situation and how I made an error by selecting the entire balance and they said it was just routine since such a large charge was attempted. I was then transferred several times until finally I was told someone would have to call me back. 

XX/XX/2019 - XXXX I called back since nobody returned my call and notified them I was still not able to make a payment or access my account. THIS IS WHEN THEY DROPPED THE BIGGEST BOMB I HAVE EVER HEARD IN MY ENTIRE LIFE. The woman on the phone notified me that my account had been cancelled. I almost lost my mind since I have had a perfect payment history with everyone of my 30 open accounts as well as the 2 with them. I told them this  must be a mistake and to please check again. I was told to call back at the end of the day. 

XX/XX/2019 - XXXX I called back and re told my story and pleaded with the person on the line to please not cancel my account as it was more than just taking a XXXX hit on my debt utilization but we were also in escrow to buy our first home and this would devastate our credit as well as we would not qualify for our home loan. 


XX/XX/2019 I just today was sharing with a friend my concern and he shared CFPB with me. The most ridiculous part of all of this is that I still dont have an answer as to why they just closed my account after perfect payment history with them with no explanation???????????? 


Here are the 2 cards I have with them PenFed Platinum Rewards Visa Signature and XXXX limit not a single late PenFed Promise Visa XXXX limit not a single late

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 2023-04-07
Company: EQUIFAX, 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 5 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 


The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


1. XXXX XXXX acct. # XXXX bal. $ {$3300.00}

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 2019-10-06
Company: TekCollect Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The XXXX XXXX pediatric dentistry fraudulently attempted to charge me an additional {$1000.00} on top of my originally quoted charges of {$300.00} that they adamantly advised would not be any higher. I disputed this with the XXXX XXXX directly and they were NOT willing to work with me at all other than offer a payment agreement, so I disputed this with the New York State Attorney Generals Office and per my letter from them, dated XX/XX/2019, they ruled in my favor of the original quoted {$300.00} charge. The XXXX XXXX has failed to report this debt as resolved to TekCollect as well as all three credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: OK
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:
XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX 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 company 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 2019-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Capital One Bank Usa Inquiry from XX/XX/2019 requested deletion letter
XXXX XXXX XXXX XXXX XXXX Va, XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry from XX/XX/2019  requested deletion letter
credit bureau dispute resolutions XXXX XXXX XXXX- XXXX XXXX, IA XXXX
XXXX   inquiry from XX/XX/2019 requested deletion letter 
XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX   XXXX XXXX
phone number XXXX
XXXX XXXX XXXX XXXX   inquiry from XX/XX/2019 requested deletion letter
XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX fl XXXX XX/XX/XXXXXX/XX/2019 requested deletion letter XXXX  XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: BSI Financial Holdings, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to BSI Financial Services. I am in the middle of a flood claim and have a check from my flood insurance company, but it has to be endorsed by the mortgage company. BSI refuses to answer any phone calls or email me back, and I have been unable to speak to them, and in the meantime I owe TENS OF THOUSANDS of dollars to my flood repair specialist that I can not pay because I can't cash the flood insurance check without BSI 's involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I filed my second CFPB complaint # XXXX on XXXX21. This complaint is to update that filing. 
The company First National Bank of Omaha had responded to my first CFPB complaint that I was previoulsy informed re closing my account. However they did not begin to explain to me that even if I paid all my past due payments caused by the economic problems created by the Covid pandemic and become current with my account, that my credit card account would still remain closed. 
I am presently current on my account payments. 
Prior to the Covid pamdemic I had a perfect payment history. 
FNBO also detailed that I had the option to reapply for another card to create an active credit card account. No such option exists in reality! 
I went online today XXXX21 to www.fnbomaha.com and applied for a new card. I was told that I was not eligible for a card and a letter will be sent to me in ten days detailing why. 

If this new card is not an option for me, it means that have to continue to make my monthly payment without the rights and priviledges of owning this credit card. 

This is grossly unfair and prejudicial to me.

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 2022-01-06
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Please investigate Harvest Associates. The company refuses to remove an alleged debt at the amount of {$1200.00}. I have reached the 4 years statue of limitations for the state of Texas. The collector has been harassing me over an alleged owed debt that I am no longer legally responsible for and refuses to remove it. They practice illegal practices of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: MARINER FINANCE, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have already contacted Mariner Finance about this fraudulent inquiry. I have recorded phone conversation promising that the fraudulent inquiry would be removed. They still haven't removed the inquiry. I was recommended to place a security/fraud alert on my credit file which I have already done. Mariner Finance must remove this inquiry because I didn't authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: EQUIFAX, INC.
State: NC
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:
40 days ago, I requested that the credit bureaus investigate errors on my credit report. As of today, I have not yet received any response. They should have responded by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, 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:
What happened to me isn't my fault. I am a victim. Currently, I am seeking enrollment for college and have been denied getting a loan, due to the error on my credit file. I have contacted the company. They sent me their proof. Which shows a POBOX from my address and a fake electronic signature. This is not my account. They still have not removed it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This acct is closed/charged off satute of limitations has ended!!!! Iam no longer responsible for this account!!!

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: 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:
I disputed inaccurate unverified information on my credit report. XXXX and Experian stated upon investigation verification by XXXX. XXXX verified the disputed Information was unverified and deleted yet XXXX is still stating XXXX verified the information.

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 2018-03-06
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2015- XXXX,XXXX,XXXX- called them and explained why the accounts were wrong. they told me to file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In 2017 I was the subject of identity theft. A credit card was opened with XXXX XXXX XXXX in my name with a false address and thousands of dollars were charged. I filed a police report, contacted XXXX, XXXX and XXXX and the matter was resolved and my credit report cleared. I placed credit freezes and fraud alerts with all of the credit reporting agencies at that time. Recently, I discovered that Transunion was still reporting the amount in default and that it was open for collection, which adversely affected my credit score. I filed a complaint online with Transunion on XX/XX/XXXX but received no response. I contacted Transunion on XX/XX/XXXX and was told that they received the dispute and I would hear shortly. I heard nothing and contacted them again today and to my shock I was told that they have a record that a dispute was filed but that the documents I submitted in support of the dispute were not received due to " technical issues '' and that they also could not process the dispute. I spent hours dealing with this and they told me to now submit it again, which I just did. This is outrageous and Transunion should be held accountable for failing to remove the derogatory comment on my credit report and for failing to properly handle the dispute. I have copies of the Chats with the Transunion reps from XX/XX/XXXX and 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 explanation
Consumer complaint received 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I have have contacted the bureaus for them to correct this mistake.i have so many inquiries that was not authorized by me. Could you please correct this the customer service was so rude and they did not try to help me or get me a supervisor here is the list of inquiries that needs to be removed 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 2017-12-14
Company: MOHELA
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: Old information reappears or never goes away

Complaint:
I have disputed Mohela on my report several times. The account are old, closed, and have been transferred to another lender. They are reporting the old late payments on the account as well as reporting current and {$0.00} owed. I have requested and disputed the be removed as the new servicer shows the exact same information and the refuse to remove it. It is causing undue hardship as I am trying to build my credit and eventually purchase my first home. I feel it is unfair for XXXX companies to be reporting the same account XXXX as closed the other as an open account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$23000.00}

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 2018-08-16
Company: Credit Plus Inc
State: MO
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/2018 credit plus did an inquiry into my credit report without any authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: WELLS FARGO & COMPANY
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I requested a Form that my Auto Payments be automatically deducted in XX/XX/2017 from my Banking Account which Wells Fargo acknowledges that they sent to me. The CFPB from reading Wells Response states that I did not sign it which is the first that I have heard of this fact.

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