BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: CO
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 pay for credit monitoring through Experian. My main complaint is in the speed in which they change the status of my accounts. I have other companies, like XXXX XXXX, which is free, who have a better breakdown of my score and all my on time payments are visible. They also put more weight on the fact that I have never been late on my payments and every loan that I have ever acquired has been paid in full at some point without any missed payments. I have a joint credit card with my wife, and we have a few payments that automatically are paid using this account. The minute there is a balance on this account, it shows up almost automatically, and it swings my score by 5 to 10 points monthly. On average, I pay about $ 2k a month to get my credit cards back to where they were pre pandemic, but the balances take so very long to update, and in order for Experian to move a little faster, you have to pay to have it refreshed and even after, nothing changes. I have one account that has changed banks. XXXX is now XXXX. My XXXX account switched to XXXX. On my credit report now, it shows a balance of almost $ 9k on XXXX and {$8800.00} on XXXX. This is incorrect, as XXXX should be closed and show zero balance, as it does on almost all other credit reports that I have. The XXXX balance is actually {$7400.00}, again this greatly effects my credit score. If Experian can not communicate with the lenders and vice versa, they should not swing my score so wildly until all the information available is at their disposal in order to create more accurate scores. This is all so disheartening to all of us that pay our bills on time and have never missed payments, or filed bankruptcy or consolidated, etc. Experian XXXX is also an issue of concern. The app is not accurate and can not figure out what companies are utilities companies and or phone companies. I have had more than 20 straight years of successful utilities and cell phone payments and I have never been boosted. The sole parameter is for them to scan your account, but what they fail to understand is that your account is ACH debited, or funds come off you debit card, or directly taken out. XXXX can not recognize anything and is a completely unnecessary and useless tool for most of us. Its not a product that is easily used or explained to the consumer. 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 2022-04-27
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 2017-09-29
Company: BBVA 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:
Hello. On XXXX of 2017, I purchased a "Used" XXXX Before any purchase or my information was given, I informed the sales associate over 3 times I am approved by XXXX and I will be using XXXX since I have no care to look at any other options.The sales associate informed me I "have" to submit a credit application through XXXX even though I had already created and submitted and was accepted by XXXX and that he "knows what he's doing" since it is the "credit process" that will show XXXX approved me.Even when I submitted, the associate did not for once even show me other options (even though I had no desire to) and simply went through with my purchase.A few days later, I see a few hard inquiries, contacted XXXX for advice, and was informed what they had done should never have occurred and it was without my permission and shared that I should write to the Consumer Financial Protection Bureau to dispute this action that was wrongfully done as I had already received approval.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-29
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX modified her mortgage which payments was XXXX} per month XXXX started Making payments of {XXXX} by ph as always, on the XXXX month her ph payment was refused due to not having a signed contract which was never presented to XXXX. XXXX never seen the said contract but asked for a reinstatement due to not getting the contract. XXXX was told she was denied do to not signing. XXXX explained to Ocwen that she never seen the contract, and asked how was it sent due to her mail being sent back to senders which we have proof of court doc 's that were sent to XXXX, and the courts emailed XXXX the proof of mail that was sent back with the right address which the XXXX is also witness to. XXXX has asked for a copy of the note holder Ocwen will not reply with the said information. Ocwen sent XXXX to a modification workshop in XXXX Ca where staff told XXXX not to sign or pay anything due to it would change the terms of the said contract. Ocwen has hot showed proof of any contract but took said amount of {XXXX} for XXXX  months but never sent a contract but took the money without a contract which shows XXXX new payment was and should still be {XXXX} by taking said funds they excepted the contract we were asked to show proof which is payments taking in a lower amount then it had been. so under the contract law we would like the {XXXX} back along with every fee applied from the day the new payment was excepted. Ocwen has been told times and ph numbers to call they still insist on calling the wrong numbers in each email they are told whom to call what time to call ect but still does n't apply to the direction giving to them XXXX has severe XXXX XXXX XXXX and XXXX XXXX which Ocwen has on file this has been so difficult with XXXX being sick. 
also Ocwen was asked to send a copy of the contract that was sent out for the {$XXXX do you know they sent a contract from XXXX its like they understand but they play like they do n't. also after the modification request do you know the modification offered was for {XXXX} dollars we do n't understand how its help when your not helping that just sent XXXX in to a downward spiral where we had to call the XXXX to afraid she my harm her self we have to watch her in this mind frame she just mite do something to hurt her self. I am c/o XXXX and my name is XXXX XXXX XXXX XXXX C/O 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 2017-09-29
Company: EQUIFAX, INC.
State: MN
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:
Equifax had a major data breach recently and there is hard inquiries on my credit report that are fraudulent, unauthorized and do n't belong to me. The following hard inquiries are fraudulent and unauthorized : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2017-09-29
Company: KBHS Home Loans, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to XXXX XXXX this past weekend on Sat XX/XX/XXXX to purchase a new home. They stated they would have to cross qualify me. I did not authorize or sign anything for them to run my credit. I did fill out the basic paperwork and contract which did include my ss #. However, I told the lender I would have my lender send them all the current information I just gave them. I had the lender from XXXX XXXX XXXX call me on Sunday  XX/XX/XXXX stating he would need some information. At that time, I told him I was on vacation until a week more and told him not to run my credit as my current lender would send him all my recent information. I received notification today from my credit company that a hard inquiry was made on my account. I spoke with him and he admitted to running my credit today and said he thought he had the form. I am super upset that this person XXXX XXXX took it upon himself to do this. This has now lowered my credit report number. His information is below. XXXX XXXX Loan Originator KBHS Home Loans LLC XXXX XXXX XXXXXX/XX/XXXXXXXX, 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 2017-09-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call from XXXX XXXX XXXX, and spoke with XXXX XXXX. The phone numbers she called me on are XXXX ( registered to an auto repair company ), and XXXX. She said I owed HSBC over {$2000.00} and that I have not been responding to any of their correspondents. I have no received anything in writing, email or phone calls until XXXX. She would not give me any information except the last four of the account number. I checked my credit report and let her know this was not my account. She proceeded to tell me it did not matter because it is associated with me and I have to pay it. She also proceeded to tell me that it XXXX I received the short end of the stick. Also, she informed me all credit agencies do not report to the credit bureaus. In my experience, I have always had all of my loans, credit cards both in green and collections how up on my credit report. Once she bullied me enough, I asked her if there were options since I started to believe I did something wrong. She let me know I can make 6 payment of {$270.00} or a one time payment of {$1200.00}. I proceeded to call HSBC and spoke with a gentlemen ( I could not understand his name ) who confirmed I do not have any accounts with HSBC. When calling her back she let me know I should not have done that and that is illegal. At that point, I was done and just wanted to speak to her supervisor however was railroaded and bullied again stating this is my debt and if I am trying to by time or skate by and not pay it was not going to work. I told her I would call her back since I still did not believe I should pay for something that is not mine. I spoke with my parents and researched the numbers to find it was SPAM and others have dealt with the same thing. I decided to not call her back and let it go since i knew it was not my debt. She has since called me three times leaving voice messages telling me again how sorry she was that I got the short end of the stick, that i should not have wasted her time and she will still file for employment verification to garnish my wages on Monday. She has also called my sister, mother, father and aunt looking for me and said a few choice words to my father. When speaking with my father she told him, " sir, your daughter likes to spend a lot of money and buy things. '' When calling my sister, aunt and mother she continued to bully, harass and hang up on them each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
Capital One is reporting inaccurate information on my behalf to the consumer reporting agencies. I attempted to resolve this issue with the company via mail, and they sent a " stalling '' tactic correspondence letter claiming they can not " research '' my request by requesting information already provided in the original letters. 

Your company is in direct violation of the law by reporting/furnishing inaccurate information to the consumer reporting agencies on my behalf. Pursuant to 15 USC 1666b ( a ) in which a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. In addition to this, pursuant to 15 USC 1681a ( 2 ) ( i ) you are to EXCLUDE report containing information solely as to transactions or experiences between the consumer and the person making the report. By furnishing these deceptive forms of " late payments '' this is considered a billing error pursuant to 1666 ( b ). 


Capital One account : XXXX Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: MA
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 credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have sent all needed information to XXXX and Experian to UPDATE late payments to ON TIME. The response I received from the companies is that they would be updated but checking my credit report as of today XX/XX/22 no updates have been made. That is False and misleading information being given to me and the negative items being furnished to my report is damaging my credit standing.

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 2022-04-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: NCC Business Services, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called company to gain knowledge on what account was for and they spoke to me very unprofessionally and with an attitude. Company failed to validate debt within 30 day period. I sent out two verifications letters on XXXX XXXX, 2017 and XXXX XXXX, 2017 both were signed for on XXXX XXXX, 2017. An agent signed for both but failed to date not one but both of my return receipts. I tracked my letters and was able to verify the date of receipt. They never responded to me. I notified all credit reporting agencies about their failure to respond within 30 days of my initial dispute now they are attempting to make contact to verify after I reported to CRAs that they never responded. Upon tracking notice left on door it is from XXXX, Florida. I am not expecting mail from anyone there and this is where they are located. I havent went to pick letter up because post office has closed. I no longer live at address I am homeless because I lost my job no one will rent to me because of false information reported. Renting anywhere is impossible because of them. I occasionally check mail at previous address. They are ruining my Credit and violating my rights. My letters were sent in XXXX, it is now the end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I've asked Nelnet several times for my Master Promissory Note and they keep sending me everything but that. I've emailed and called with no avail. I just want them to show me my original loan amounts. I have a Joint Spousal Consolidation Loan with my XXXX XXXX ex-husband and I need to see how much I actually owe so that I can figure out a way to separate these loans to finally be free.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: EQUIFAX, INC.
State: MA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: JPMORGAN CHASE & CO.
State: AZ
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:
Primary Party or Firm Information Name : Chase XXXX XXXX Address : XXXX XXXX XXXX XXXX, DE XXXX Phone : XXXX Website Address : XXXX Complaint Chase advertises zero fraud liability, yet refuses to reimburse me for charges that I DID NOT MAKE. There excuse is that ONLY THE CARD HOLDER could make these transactions since these are chip card transactions. Even though Chase acknowledges fraudulent activity HAS OCCURRED for SOME TRANSACTIONS ON THE SAME XX/XX/XXXX STATEMENT ( for example, Chase has reimbursed transaction XXXX XXXX XXXX XXXX in Virginia on XX/XX/XXXX for {$60.00} ). However, Chase has refused to reimburse me for XXXX XXXX ( {$38.00} NEVER SHOP HERE ), XXXX XXXX  XXXX ( {$150.00} where normal shopping is $ XXXX {$40.00} ), XXXX XXXX XXXX  # XXXX ... ( 2 ) transactions for {$150.00} and {$24.00} where I SHOPPED ONCE FOR {$7.00}, XXXX ( XXXX XXXX XXXXXXXX XXXX for {$96.00} where normal shopping is $ XXXX {$12.00} ). ALL OF THESE TRANSACTIONS OCCURRED ON XX/XX/XXXX. ILLEGAL TRANSACTIONS WERE REPORTED TO, AND DENIED BY CHASE FRAUD DEPARTMENT ( SEE CORRESPONDENCE ) ON XX/XX/XXXX AFTER SEVERAL PHONE CALL DENIALS IN XX/XX/XXXX. 

Have you complained to the firm/agency/business? 
Yes What was their response? 
DENIAL OF FRAUDULENT CLAIM SINCE ONLY CHIP CARD HOLDER COULD INITIATE TRANSACTION Date of Transactions : XX/XX/XXXX Place of Transactions Stores in XXXX, AZ Total Amount of Damages : {$470.00} How can SOME, but NOT ALL, TRANSACTIONS BE REIMBURSED. IT IS OBVIOUS SOMEONE HAS AN ILLEGAL DUPLICATE CARD

Company response to consumer: Closed with explanation