BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-02
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:
THIS IS MY SECOND TIME REACHING OUT TO THE BUREAUS. THESE INQUIRIES ARE FRAUDULENT. I AM A VICTIM OF IDENTITY THEFT. I DIDNT AUTHORIZE THESE ACCOUNTS AND THEY ARE VIOLATING MY RIGHTS ACCORDING TO THE FDCPA. THE CREDIT REPORTING AGENCY CONTINUES TO VIOLATE MY RIGHTS ACCORDING TO 15 USC 1692. I AM REQUESTING THAT THE CREDIT REPORTING AGENCIES STOP REPORTING THESE FRAUDULENT INQUIRES AND VIOLATING MY RIGHTS ACCORDING TO THE 15 USC 1692.

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 2023-12-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is the second time I have asked XXXX XXXX XXXX XXXX Account # XXXX to provide me with documentation were they sent me my statement or a bill to my correct address, also provide me with a notice XXXX XXXXs before the due date before they can consider a payment later, I never received any of this. By XXXX XXXX XXXX is required to provide me with a notice before providing anything on my report that would negatively impact me as a consumer. The law clearly states that " if any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section XXXX ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. They did not do any of the things the law clearly states. The law is also clear that transactions and experiences DO NOT BELONGS ON A CONSUMER REPORT. law states ''report containing information solely as to transactions or experiences between the consumer and the person making the report '' Also make sure late fees are accessed properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: Experian Information Solutions 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:
My communication is in regards to the XXXX account furnished on my consumer report that I want deleted. Now, according to 15 USC 1681a ( 2 ) ( B ) it says a consumer report does NOT include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is, the term credit card mean any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the card I used to grant the right to this debtor making it a creditor, to then extend credit back to me. This is a violation of the FCRA and a consumer right to privacy. Congress clearly states what should be excluded from a consumer report therefore delete this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
In XXXX of XXXX I refinanced a XXXX XXXX XXXX. I was using XXXX XXXX and had gotten a better rate from Capital One so decided to make the switch. About 6 months ago the car was totaled so we started the process of getting our payout as Capitol One owed us about {$4500.00} due to the car being worth more then our loan amount. I was working with my insurance company ( XXXX ) to get the payout but the day the agent was coming by to give me the check she said there was a problem with the bank, meaning Capitol One. We had a rental but that was limited to 30 days so at the end of that I needed to empty my saving account to buy my wife a car in cash. Come to find out Capital One had never received the perfected title because they failed to submit documents. I have called them every week for these 6 months now to see if there is anything they need to make sure we can get this issue resolved. They are quite incompetent because every time I call the person says they will send and email to the back people to see what the holdup is but nothing ever comes of it and I just end up calling the week after to get the same response. They forgot basic paperwork that is needed to register a car in their name. Once they forgot the Title Application, then they forgot to get the old registration from me before submitting paperwork. They tried getting a release of lien and failed at that so I stepped up and called my old lender to get things sorted. They were able to provide a release of lien but then it was back to Capitol One. Most recently I submitted a document and have been waiting 4 weeks for them to resubmit the document 's to the XXXX but I am always told they are in " review '' even though it is simply an old registration. At this point Capitol One owes me over {$6000.00} as I have still needed to make payments on the car. I am here to try and get them moving because I could really use that money and I feel they are either ignoring my case or are just that bad at their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I had a medical insurance through XXXX ( XXXX ) which published contracted rates for the associated medical providers. When I received the medical service, both the provider ( XXXX XXXX XXXX , XXXX - XXXX ) and XXXX, who listed the provider in its network, committed a fraud by charging me the rate much higher, than listed in the contract. I disputed the charge and agreed to pay only the price listed on the contract. I did pay the amount due to XXXX promptly, as I was waiting on the resolution. XXXX violated many of their own rules, including failing to notify me in advance if my charges will be different than the contracted rates with the provider, billing the lesser amount than the " Maximum Allowable Amount '' and others. As I was waiting for XXXX XXXX  reply to my complaints, XXXX passed my " outstanding balance '' to the collection agency, the XXXX XXXX  - XXXX. I believe there is a collusion of at least 3 business entities ( XXXX, XXXX and XXXX ) to avoid paying claims and charge patients extra amounts in violation of the agreed rates. XXXX reported my " debt '' to Experian ( EX ), the credit reporting agency, that since then has reduced my credit rating directly affecting my previously excellent credit score. This is a direct material loss that I have experienced by EX 's action. The total " debt '' amount is about {$500.00}, and I have been paying monthly much higher balanced. This is the matter of fraud committed against me ( and potentially other patients ) by XXXX XXXXXXXX and XXXX. I have to add Experian also to this axis of fraudulent actors because they failed to impartially investigate my numerous complaints that " bad debt '' was manufactured by XXXX and sold to XXXX. Moreover, EX gave me the wrong address to forward my complaint to the regulator agency. I can provide all supporting documentation. I ask that the fraud by XXXXXXXXEX be investigated by the appropriate regulatory agencies, administrative actions be taken, and that any and all fraudulent charges be removed from my account and my credit score status be re-instated.

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 2023-11-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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 requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said account.

Account payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: SECURITY CREDIT SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX from Security Credit Systems called and identified he was calling from Security Credit Systems. He contacted XXXX of my family members that I know of. He violated my rights and I'm going to sue. SCS owes me {$1000.00} per violation for indicating to my family that he was calling from a debt collecting company. The minute he said the name of his company he violated my right. He is harassing family members and he asked them to relay a message to me. In addition, I have a payment arrangement with the original debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Experian Information Solutions Inc.
State: MI
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:
We are in the middle of COVID. I was laid off temporarily over the Christmas holiday due to COVID. I called the bank to tell them I would be late on this payment due to circumstances out of my control. They understood and were supposed to work with me on this. I missed XXXX 's payment but returned to work and paid this immediately. There was not supposed to be any negative information put onto my credit report. I just checked my credit and it shows a late for XX/XX/2021. 
This is not fair. I have never been late and the account is back up to paid to where i am scheduled to be paid on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
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: Account information incorrect

Complaint:
I contacted XXXX XXXX XXXX about a pre-approval for a XXXX XXXX XXXX. My application was rejected which is OK but they listed the reason that my credit card application was denied as " XXXX XXXX : XXXX - via XXXX, XXXX, and Experian. '' I called Customer Service and they confirmed that they information that they received was from those XXXX credit agencies and that it was coming back as a XXXX. According to my credit reports and memberships- Experian is a XXXX, XXXX is a XXXX, and XXXX is a XXXX as of today XX/XX/XXXX. I'm not sure what is going on but this is potentially the reason why I've been getting denied for various housing applications for the past couple months.

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 2021-02-17
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again, demanding validation of the late payments on both accounts. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX XXXX Employed on XX/XX/XXXX to Present I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im concerned as an unknown inquiry was made in my consumer report. Im not liable nor do I recognize the inquiry. Informative research ( XX/XX/XXXX ) please delete immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan is serviced by AmeriHome Mortgage Company LLC. They are responsible for paying taxes, insurance, etc. from escrow. My escrow account is fully funded however taxes for XXXX are not paid and are currently past due. AmeriHomes says they sent the payment on XX/XX/XXXX ( most companies send these is XXXX XXXX in the amount of {$4800.00}. As of XX/XX/XXXX the XXXX XXXX XXXX XXXX does not have a record of the payment. I have asked AmeriHome to please trace the payment, however they have been reluctant to do so. I have never experienced anything like this from a loan servicer in my 20 years of paying a mortgage. Please help before it's too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
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:
I spoke to XXXX from Experian. I had ask her to remove my soft inquiries. I was told from her that i had to give her all the names of the soft inquiries that. I had explain to her there were to many inquiries. I had let her know that i will call Consumer Financial Protection Bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Date of Letter : XX/XX/2023 Attention Dispute and Complaint Departments of : Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Equifax REGARDING : Dispute of Unauthorized Charges That Were Not Made on My Physical Card With XXXXXXXX XXXX XXXX XXXX XXXX Resulting in Negative Mark on My Credit Bureau Report Refusal of the Bureaus Willing to Delete The Negative Mark Despite Reversal of Charges That Were Found in My Favor Due to Fraud Dear Supervisors and Those in Charge of Complaints, Earlier this month I contacted customer service of the XXXX Card via telephone after I was notified by XXXX XXXX  that there was a negative mark/report added to my almost perfect credit due to a supposed late payment of 30+ days. Upon calling XXXX customer service, it was discovered that charges for several months were made not on my physical card but digitally perhaps from XXXX phones I donated. Therefore they reversed over {$700.00} in charges which obviously would not have made me late on a payment. However, the credit bureaus are still keeping the late payment report on my credit and worse yet, its not scheduled to be deleted until XXXX. Thats ridiculous! My credit score was over XXXX prior to this incident that was not of my doing. XXXX XXXX now owes me a check of {$720.00} due to all of these fraudulent charges. Therefore, I am demanding that these negative 30 day late reports be taken off all three credit bureau reports, which are greatly affecting my credit score of near perfect. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: ALLY FINANCIAL INC.
State: IL
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:
I have been contacting Ally Financial, who appear on my credit file as Ally Finan I numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of 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 2023-04-26
Company: M&T BANK CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Closed account with XXXX XX/XX/XXXX which I did not know there was a line of credit balance until I received a letter XX/XX/XXXX stating my line of credit payment was past due. 
Received a statement XX/XX/XXXX with a balance of {$530.00} which I did get a {$25.00} late fee waived. After speaking with a representative from XXXX and they told me my balanced to pay in full would be {$530.00}. I sent a check for {$530.00} XX/XX/XXXX which was posted on XXXX 

I thought the Line of Credit was closed out as I didnt receive any statement for XXXX. XXXX I received a statement stating my new balance was {$86.00} which is Late Fees and Interest and states my previous balance was {$590.00}. Then XXXX I receive another statement stating my new balance was {$87.00}. 

I feel XXXX is taking advantage of the loan and charging interest and late fees and when the line of credit was paid off. 

This is unfair to my husband and I as we are seniors on a limited income and the banking industry is robbing their clients.

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 monetary relief