BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: HI
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 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 2020-01-25
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of my Identity theft Affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: WI
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:
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : DEPT OF ED/XXXX XXXX charge off account DEPT OF ED/XXXXT XXXX charge off account XXXX XXXX XXXX XXXX late payment account XXXX XXXX late payment XXXX XXXX XXXX XXXX charge off account I do not believe that these items are accurate and I am requesting that they be removed from my credit report. 

Regarding the charge off accounts from DEPT OF ED/XXXX I have been making regular payments on my student loans and I do not believe that I have missed any payments. I would appreciate it if you could review my account and correct any errors that may have been made. 

As for the late payment accounts from XXXXXXXX XXXX  XXXX and XXXX, I do not recall missing any payments and would like to see any evidence that shows otherwise. 

Lastly, I am disputing the charge off account from XXXX XXXX XXXX as I have never had a loan or any type of credit with this company. 

I request that you investigate these disputed items and provide me with a written response detailing your findings. Thank you for your attention to this matter. 

Sincerely, 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 2019-09-21
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Synchrony bank care credit opened an investigation on a card opened fraudulently in my name. During this time I was hospitalized over an extended period of time. Their investigation proved that was a fraudulent application. I produce proof to synchrony bank, XXXX  and XXXX. It has still not been removed

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-25
Company: Experian Information Solutions Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2021-07-16
Company: Omega RMS, LLC
State: CO
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/2021, I sent a validation letter to Omegas for a collection they placed on my credit report. I have not received any information in response to my letter, nor did I receive any information before this company placed it on my credit, giving me an option to validate the debt. Ive attached the credit report showing the account as well as the certified letter that was sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Khol 's has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting  bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 name is 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 non-monetary relief
Consumer complaint received 2019-09-21
Company: EOS Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Eos-Cca is illegally charging me for collections on an account that has never missed a payment and has always been current. They have called from multiple phone numbers that are unlisted and do not reflect legitimate business. They claim {$210.00} in debt to my Internet service provider XXXX. I have attached a screenshot that shows since my start of service through today I have never missed a payment this is extortion and is a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: EQUIFAX, 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:
I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; Equifax is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. Equifax is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX - Card Services XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. Equifax is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
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 non-monetary relief
Consumer complaint received 2021-01-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My husband and I were facing foreclosure in XXXX after I had lost my job and we got behind on all of our bills. We filed for chapter XXXX bankruptcy in XX/XX/XXXX. The trustee paid the pre-arrearage payments and we were supposed to pay the ongoing payments directly to the lender. Throughout the four plus years or the chapter XXXX repayment plan, we did miss some payments. Also the servicing of the mortgage changed twice. The most recent change took place in XXXX of XXXX when the servicing changed from XXXX to Carrington Mortgage. The loan was also sold to a new owner. Going by the statements that we received from Carrington starting XX/XX/XXXX, showed that we owed {$7000.00} plus in overdue payments. So we paid extra payments to pay that amount off before the bankruptcy was over. According to the statements we believed that we had made enough catch up payments to bring the loan current in XX/XX/XXXX. Then we received a final cure payment from Carrington stated that we owed another {$8000.00} plus in past due payments and fees. Our bankruptcy attorney said that he requested the ledger, but we never got it after two months. So I sent a certified letter requesting the ledger for the period of XX/XX/XXXX to current. I received the ledger from Carrington recently, but it only included information from XX/XX/XXXX to current. I then contacted a VA representative who said that he would try to get the information for me, but I havent got anything other than a loss mitigation packet and now notice of default dated XX/XX/XXXX. How can I determine if payments were not credited if they wont provide me the ledger? They also have not answered my question as to why the amounts past due changed from the XX/XX/XXXX statement to the XX/XX/XXXX statement. The bankruptcy was discharged in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX on capital one auto loan, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat d payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have disputed this many times with all three credit bureaus and have has been not resolved. Specifically, the dispute involved XXXX late payment in 2019. I have contacted the company, as that's what the credit bureaus suggested. The company XXXX states that they have reported no late payments. In fact, XXXX originaly made a mistake by charging me a late payment fee, and adding this information to the credit bureaus. Upon me contacting them the first time, they reversed this information and reimbursed me any late fees that they accidentally charged me. 
Recently the credit bureau 's re added this late payment to my credit report, lowering my credit score more than 40 points, this is affecting my personal finances, and the credit bureaus are failing to provide a proper investigation to fix this issue. They state that they have contacted XXXX and dated all and any information. This is a complete lie, as if they contacted XXXX as I have multiple times, they will know that I have never made a late payment. And fix my credit score. I want these credit bureaus to fix my credit score as they keep adding false information such as late payments that are not factual. 
To reiterate, there should be no late payments under the account held with 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 non-monetary relief
Consumer complaint received 2021-01-31
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:
Hello, I would like to make a complaint on how the Experian and XXXX credit dispute personnel are not doing a proper investigation on my credit dispute. XXXX  however, is reporting correctly, after disputing with them. 

This is also the 2nd time I have disputed with Experian and XXXX with additional information from my bank as well. Disputing multiple times has caused my credit score to drop. 

The dispute is over a late payment that I have with XXXX XXXX XXXXXXXX on an account that was closed back in XX/XX/2017. The late payment was XX/XX/2017 when the account was closed. The issue is that I have had a {$0.00} balance and the account was fully paid off yet I was still reported as having a late payment during the time of having {$0.00} balance. 

I have even talked to XXXX XXXX XXXXXXXX representatives who state that if the balance was {$0.00}, it is impossible to get a late payment. Unfortunately, they can not send me any documents about my account because it was closed years ago, and they don't have access to it. 

The credit bureaus report on having a {$0.00} balance but somehow fails to recognize that the late payment was during the time of {$0.00} balance so I don't understand how it could be late when nothing was owed. 

Thank you for reading,

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 2023-03-14
Company: TRUHOME SOLUTIONS, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I purchased a new home in XX/XX/2021 through XXXX XXXX XXXX XXXX in XXXX of XXXX  We have had the same mortgage payment for the most part for close to a year and a half now. A few weeks ago, we were then notified that our payment had increased by {$700.00}. 

We were completely blind sided. I started making calls to figure out what was happening. We found out that our county had done a tax assessment and assigned a value to our home at $ XXXX, which is correct. Upon looking into this further, our original mortgage loan officer XXXX XXXX, incorrectly filed our homes value at the property of our land, $ XXXX, and NOT the estimated value of the home. The reason for the drastic increase is because our escrow account was now negative, and they were calculating the correct taxes for future years, but they had been taking the incorrect amount of escrow from us from the very beginning. 

I was able to connect with our mortgage officer, who offered no solutions at all other than contacting customer service which is through Tru Home Solutions. The only remedy was to potentially spread out the escrow payments, but this lowered it by only about {$180.00}. We're still paying {$500.00} more now than we were before. 

I believe we were sold a home we couldn't truly afford because of this incompetence. If we had known our payments would be in this ball park, we never would have moved into this home. I feel like we were completely misled by our mortgage company , the mortgage loan officer, and the entire process feels flat out dishonest. 

We also lost out on valuable time. Had we known this was an issue, we could have at least been working on making payments to our escrow, and at the very least, trying to come up with a plan to deal with this. Instead, we were blind sided.

I heard back from the Director of Compliance at Tru Home Solutions, who sent me a letter and took ZERO accountability for the actions by their employees XXXX XXXX XXXX XXXX. He also offered ZERO solutions to try and fix this. 

I'm hoping by bringing this to attention, something will happen because this entire ordeal has been incredibly stressful to deal with and the financial ramifications as massive for my family. 

Best regards, XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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:
My name is 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 incorrect personal information. 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 response to consumer: Closed with explanation