BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
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: Information belongs to someone else

Complaint:
I am writing to address a matter of concern regarding certain accounts appearing on my credit report. 

ACCOUNTS : XXXX  XXXX # XXXX XXXX XXXX  XXXX # XXXX Despite my persistent efforts to dispute the accuracy of these accounts and ensure their verification, I have encountered significant challenges due to a lack of adequate information. Consequently, I am unable to confirm the validity of these accounts. 

Given the limited information available and the absence of proper verification, I strongly believe that these accounts may be the result of identity theft or a mix-up of files. In light of this situation, I kindly request the immediate closure and removal of these accounts from my credit reporting. 

While I want to Reserve my intention to take appropriate action in response to the ongoing violations associated with these accounts, I emphasize that my primary objective is the prompt closure and removal of these erroneous entries. By promptly addressing this matter, we can work together to resolve the issue and alleviate any concerns. 

I trust that you share my commitment to maintaining accuracy and fairness in credit reporting. Resolving this matter swiftly and ensuring the accuracy of my credit report are in everyone 's best interest. 

I kindly request your urgent attention to this matter, and I expect a timely response acknowledging the closure and removal of the mentioned accounts from my credit reporting. Once this action has been completed, I would appreciate receiving written confirmation. 

Thank you for your prompt attention and cooperation in resolving this matter satisfactorily. I remain hopeful that we can reach a fair and civil resolution.

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 2023-05-30
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2020-11-30
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
the year XXXX My husband and I financed a car for a relative and later found out the car was repossessed. After a legal fight and was found liable for the car AFTER we were told at the dealership we wouldn't be we decided to pay on the car. It was already on our credit reporting negative before we could do anything about it. XX/XX/XXXX we found out that the company would settle the debt for XXXX and was told it would not be on on credit if we paid that amount. They referred my husband and I told THEIR collection company to collect payment. That company assured us that it will be deleted once the account is settled in full. We then paid the account settled out in full and received a letter from the third party collection agency confirming deletion of this account from my husband and I credit. 15 months later 17 disputes via online 4 via us first class mail and several phone calls and it is still reporting When i spoke with them they said its nothing the can do about what their third party company said. This is deceitful practice and to this day it is still reporting negative charge off. My integrity and credit worthiness has been jeopardized because of this deceptive practice to accept money for a balance owed on an 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 2023-01-31
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A loan was originated on XX/XX/2022 by XXXX XXXX XXXX XXXX ( Hereinafter XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX. A week later I was contacted by Specialized Loan Servicing ( Hereinafter SLS ) and they ask for my consent to contact me an I DID NOT give consent for SLS to contact me. I delivered payment directly to XXXX XXXX. XXXX XXXX notified me they received payment and stated they wired the payments to SLS. SLS stated that I sent payment to the OLD LENDER. A Notice of Errors was sent to XXXX XXXX of SLS and received on XX/XX/2022, XX/XX/2022, and XX/XX/2022. SLS failed to properly respond. A request for the FULL ACCOUNTING was sent on XX/XX/2022, SLS and successors and assigns have failed to provide the FULL ACCOUNTING. On XX/XX/2022 SLS sent correspondence stating XXXX XXXX was the original creditor and that XXXX XXXX XXXX I Trust was now the current Creditor. I mailed payment to XXXX XXXX XXXX to the address SLS provided and it was returned to sender. I do not have a contract with SLS and they continue to harass me with phone calls and posted cards on my door. XXXX XXXX has mailed a XXXX XXXX form that didn't apply the payments that they received? Who is the actual XXXX and where did the payments go?

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: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My complaint is about a rewards program offered by XXXX XXXX through Capital One. 

I received an email saying I would get 4 % cash rewards on all grocery purchases on my XXXX XXXX XXXX ( an account I already had ). The succeeding month all my purchases on the card were groceries but my rewards balance was only 1.9 %. I checked my online access to determine how rewards are calculated, but there was no detail of which purchases received what percentages. I would never have used this card had I not been promised these lucrative cash rewards of 4 %, so I believe this is a very misleading advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: TX
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 writing to dispute the listed accounts on my credit report, which were reported by the credit bureau in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681. The following accounts have been reported inaccurately and in violation of several sections of 15 USC 1681 : Account name XXXX XXXX XXXX  Account number XXXX Original creditor XXXX Balance {$510.00} Account name XXXX XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$8600.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX Balance {$1400.00} Specifically, these accounts contain outdated and incorrect information that has not been updated or verified, and they were reported without my written permission as required by law under Section 602 ( a ) of 15 USC 1681. In addition, they violate Section 1681c ( a ) ( 5 ) of the FCRA, which prohibits credit bureaus from reporting outdated information that is more than 7 years old. The accounts also violate Section 1681s-2 ( a ) ( 1 ) of the FCRA, which requires credit bureaus to investigate a consumer dispute within 30 days and remove any information that can not be verified.

I also assert my rights under Section 1681g of the FCRA to access my credit report and dispute inaccurate information, as well as under Section 1681i, which requires credit reporting agencies to investigate disputes within a reasonable time frame. Furthermore, I dispute any inaccurate or misleading representations made by debt collectors on these accounts under Section 1692e of the FDCPA. Finally, I request the removal of any inaccurate or unauthorized information from my credit report under Section 1681 and Section 6802, which protects my rights to privacy and disputes unauthorized access to my personal financial information. I request that the credit bureau investigate these inaccuracies and remove any unverifiable information from my credit report.

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 2019-05-05
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is complain is regarding CITIBANK credit card provided by Best Buy. I made a purchase of about {$1100.00} which was fully paid by XX/XX/2019 although the offer was up to XX/XX/2019 b ut I made sure I pay the amount own time more than the minimum amount per month. It happened twice that company website was down and I was unable to make the payment and company charge me {$27.00} of late payment fee on my account. I requested them to remove those charge because it was fault on their side and they didn't and added that unto my total balance and I contacted them multiple times to remove that balance even though I fully paid my amount. They were rude and didn't help me resolve issues. I have 12 credit card account and my score has always been 750 plus and I have managed my accounts very well but this company is trying to ruing my credit and make false charges and made my balance up to {$280.00} and trying to constantly call me and threaten me to pay by debt. I called them multiple times to resolve this issue. they didn't respond and are not helpful. I request consumer finance to take a look into this matter and help me because this is going to hurt my credit and my score.

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
Consumer complaint received 2023-01-31
Company: Credit Karma, LLC
State: OH
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: Received unwanted marketing or advertising

Complaint:
I've signed up to get approved for credit cards in the past numerous times through Credit Karma, with empty promises of getting credit cards and I've always got denied and it really hurt my credit score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: IL
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 sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2018-10-16
Company: JPMORGAN CHASE & CO.
State: VA
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 alarmed once I reviewed my XXXX, XXXX  and XXXX   credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2018 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 reported multiple times to all Credit Reporting Companies XXXX XXXX, XXXX, and TransUnion ) that XXXX  Account # XXXX has me late 60 days XXXX XXXX, 90 days XX/XX/XXXX, and 120 days XX/XX/XXXX. I was in forbearance from XX/XX/XXXX through XXXX Therefore, I should not be reported delinquent. I submitted multiple disputes through the credit reporting documents with the forbearance letter, and it still reporting late because XXXX keeps saying all records are correct. In addition to disputing with the Credit Reporting Companies, I sent a letter to XXXX and no changes.

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: LoanCare, LLC
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 status incorrect

Complaint:
Inaccurate reporting to credit bureaus. 

LoanCare , LLC acting as subservicer for XXXX, XXXX misallocated two sequential, on time mortgage payments. Subsequent to " full resolution '' LoanCare initiated derogatory Late Payment reporting to consumer credit bureaus. 

XX/XX/20 and XX/XX/20 : ACH mortgage loan payments were initiated by my bank and accepted by LoanCare. 

XX/XX/20 : First Notice of delinquent payment via USPS, physically received, letter dated XX/XX/20. 

XX/XX/20 : Phone conversation with XXXX XXXX and LoanCare representative XXXX XXXX # XXXX XXXX. XXXX reports no record of payment reference above two payments. 

XX/XX/20 : Requested and received " Proof of Electronic Payment '' from initiating financial institution corroborating above referenced payments and dates ( each showing Remit Date one day prior ). 

XX/XX/20 : Phone conversations involving XXXX XXXX, XXXX representative XXXX XXXX XXXX and LoanCare LoanCare representative XXXX XXXX # XXXX XXXX. XXXX acknowledged payments were received by LoanCare and applied to incorrect, unrelated account. Late fee waived, matter seemingly resolved. Payment received date still inaccurately reported as XX/XX/20 XX/XX/20 : Notification from Credit monitoring service : " It looks like you have an account with a past-due balance of {$220000.00} with LOANCARE. '' XX/XX/20 : Phone call to LoanCare Customer service XXXX XXXX and XXXX XXXX to request credit error be corrected, advised to complete online form. 

XX/XX/20 : Credit Reporting Dispute submitted and receipt of same emailed to consumer XXXX ticket # XXXX XXXX. 

No correction to credit report or contact received from LoanCare to date.

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: TX
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:
On multiple occasions, I have submitted proof of my personal information being incorrectly reporting on my credit report. This company refuses to remove inaccurate address and names that don't belong to me. I will send you my drivers license and a bill as proof of my correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Experian Information Solutions Inc.
State: KS
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:
SSN Tracker Alert Associated Address Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Date reported to Experian no such address anywhere in the county

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 2019-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
There is a bankruptcy ( Case # XXXX ) showing on my credit report with Transunion. I have submitted numerous disputes with no results. When the dispute was complete on each occasion, I was advised that they received their information from the public records source/reporter XXXX XXXX. I have contacted XXXX XXXX and also the courthouse that was said to have reported and was advised that there are no public records for me.I submitted all documentation received. I contacted Transunion and spoke with XXXX XXXX and was given a file number of XXXX. She advised that they did receive all documentation from the courthouse and XXXX XXXX and still refused to remove it with the previous disputes. Please assist.

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: Spring Oaks Capital, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This was a corporate account and mistakenly reported on my profile. The XXXX Credit Bureau had their record-keeping been accurate, and no proof of payment history was provided. The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I called Capital One XXXX to dispute again, a late payment reported on my credit XX/XX/XXXX & XX/XX/XXXX. I had a XXXX Walmart account since XXXX. I was never late since I had automatic payment set up. I recall receiving calls from XXXX representatives back around XX/XX/XXXX & XX/XX/XXXX who would identify as Capital One & since I had never opened an account with Capital One I thought it was a scam. They never identify themselves as calling from Walmart Capital One. I did not receive a statement from Capitol One at all or else I would have opened it. Around XX/XX/XXXX The way I found out I had an opened account with Capital one was through an APP, XXXX XXXX. I called Capital One & was told my XXXX Walmart was sold around XX/XX/XXXX & opened a new one around XX/XX/XXXX. I was told I had a past due {$340.00} which I paid that same day. They switched my account but failed to transfer my automatic payment. It was their fault for not continuing my agreement to process my monthly payments automatically. I have had over 15 credit cards and never been late due I have autopay with all accounts. I submitted a direct investigation to Capital One on XX/XX/XXXX. I called on XX/XX/XXXX for status & a very condescending, rude supervisor named XXXX ( id # XXXX ) got very defensive when I asked for results of my investigation. XXXX claimed I was notified via USPS back in XX/XX/XXXX of the changes & that Capital One had a tracking number confirming I received the notification. XXXX refused to provide me with the tracking number saying it was 'proprietary information ' & could not be given to me. I requested to speak with someone else, she refused, said several times she 'was the highest level for the matter & there is no one higher than her ' I could speak to. She basically said if I did not like her information to write in a complaint, and after asking a few times for someone else she hung up on me. I want theUSPS tracking number provided to me & I want someone who is willing to help me contact me or remove the late payments reported in XXXX removed from my credit. My phone number is XXXX, email now is XXXX, mailing address is XXXX XXXX XXXX, XXXX CA XXXX

Company response to consumer: Closed with explanation