BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: NC
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account does not belong to me XXXX COLLECTION SERVIC XXXX The account does not belong to me XXXX XXXXXXXX XXXX XXXXXXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me XXXX XXXXXXXX The account does not belong to me 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 states a consumer reporting agency can not furnish an 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 XXXX 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 non-monetary relief
Consumer complaint received 2023-05-17
Company: Freedom Mortgage Company
State: KY
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:
Freedom Mortgage raised our monthly payment in XX/XX/2023 after our yearly taxes went up on the home from {$2100.00} to {$2200.00}. Freedom Mortgage did not notify us of the payment increase until XXXX XXXX. I autopay our mortgage payment through my bank on the XXXX of the month and was paying the {$2100.00} because I was unaware of the increase, Freedom Mortgage turned us into the 3 credit agencies for non payment in XXXX which is incorrect. This action has caused harm to my credit and I am unable to co-sign for my son 's XXXX XXXX loan for his school. I would like the record corrected, the delinquency removed and for Freedom Mortgage to stop incorrectly reporting. I have reached out to the 3 bureaus and they said they only report what they are given from Freedom Mortgage. My wife and I have spoken to Freedom Mortgage four times and they are claiming they notified us of the monthly payment increase in XX/XX/XXXX ' but that is incorrect. They are pointing the finger and we are the damaged parties. I requested that this issue be escalated to a second level supervisor at Freedom Mortgage that reports out the credit file information and was denied. This has caused irreparable harm to our credit file. We have never been late nor neglected our payments to Freedom Mortgage.

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 2023-02-13
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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-02-07
Company: EQUIFAX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Mobiloans, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company by name of XXXX  repeatedly kept calling me, and some family members leaving messages with them about trying to locate me. 
And that a claim was in process of being filed in county I live in. 
I did call this number back and they seemed to know a debt that I owe but was asking me for personal information to get into file. 
I feel XXXX because I did give them some then They were going over payment arrangements that if I could have afforded debt would have been paid to begin with. 
The more I thought about it it didn't seem right so I asked for companys full name address and a written statement and they said they don't provide that information and they would send out a notice thru county to locate me.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2019-09-10
Company: Experian Information Solutions Inc.
State: MD
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 reached out to XXXX XXXX, Experian and XXXX  a number of times since XX/XX/XXXX to remove fraudulent information from my credit report. They continue to stonewall me. I recently got a Fraud Affidavit notarized and they still refuse to reinvestigate, block and remove the items.

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 2021-06-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX never enter any consumer credit transaction with ARS ACCOUNT RESOLUTION for them to have obtain my personal information. Pursuant 15 usc 1692 ( a ) this is infringement upon my consumer 's right to privacy. By ARS ACCOUNT RESOLUTION obtaining my personal information without my consent they have committed fraud and identity thief and I have filed an FTC complaint and attached it below. ARS ACCOUNT RESOLUTION furnishing this allege debt to my consumer report they have damage my reputation pursuant to 15 usc 1692d ( 1 ). Now I can not do business with anybody else due to ARS ACCOUNT RESOLUTION reporting this allege debt to my consumer 's reports.

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 2021-06-21
Company: Experian Information Solutions Inc.
State: NY
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:
I seem to have a fraud issue with XXXX. They are trying to collect a debt since XXXX XXXX. At the time, I was only XXXX XXXX XXXX. I reported this incident to XXXX and XXXX and they were able to remove this from my credit report in about 3 days. However, I sent 2 reports to experian about this matter. One report contains my ID, explaining that I was a minor at the time. The other report was filed a week later to their customer support email, explaining that I was a minor at the time of this account opening and that I still haven't received a response back from customer support. I dont know the exact date of the reports that I made, but I know its been well over 30 days since sending these reports.

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 2017-09-24
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
When my account was first taken over by some random man in Washington State using my ID they just let it happen. So when all of my online account info was changed, obviously it was a little hard to manage since I cant go into branch without id or debit. But I cant seem to keep a debit card because they keep sending it to the id their!!! Ive called so many times and now Ive completely lost track of the only account I own to pay my kids rent. Ive requested a new account but they will not budge or even try to accommodate the fact that I have XXXX kids, full time XXXX XXXX and now apparently ANOTHER full time job trying to RE-make money from my own accounts. Thanks for being so safe, Chase.  Hopefully this finds you alright considering its not from the email address you have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-02-13
Company: Credit Karma, LLC
State: AL
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: Didn't receive services that were advertised

Complaint:
Credit karma said on my credit repo.rt that i would get XXXXXXXX XXXX if i did not get approved for XXXXXXXX XXXX XXXX .l did not get approved and have not heard a thing from credit karma

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Consumer Portfolio Services, Inc.
State: GA
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 a loan with XXXX XXXX, CNS PORT SVC, and DEPTEDXXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, CNS PORT SVC, and DEPTEDXXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
InXX/XX/XXXX2017, I made a purchase with my credit card at Kohl 's depart store in XXXX DE. Vacation travel had me stuck in Florida during Hurricane XXXX for the first week XX/XX/XXXXso when I returned home I realized my bill. I immediately phoned Koh*s and satisfied my minimum payment. I received a late fee forgiveness for the two day late payment. At least that is what the representative assured me. Whn I receive this months bill forXX/XX/XXXX the balance with credits do not reflect the late fee retracted. the balance of {$130.00} minus my credits of XXXX should leave a remaining balance of {$10.00} added to the onlyXX/XX/XXXX purchase of XXXX, giving me a balance owed of {$45.00}. Instead Kohls has my ending balance as XXXX  again for the month of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Experian Information Solutions Inc.
State: NY
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:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I decided to send another letter to each of them, demanding they delete the inquiries that I did not authorize. This occurred again on XX/XX/XXXX and XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2023-02-02
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received an email on XX/XX/2022 from XXXX stating I owed a debt to sprint. I responded back right away asking for details of the debt as what they provided did not have the details of what was being asked and was not getting an email response back. then I started receiving calls and I again asked for details of what was owed as I did not recognize what was being asked to pay. i was referred back to the email and told the debt collector there was not details in the email and I needed details in order to pay. I called over and over and kept getting put to a recorded line and no one called me back. then my account was put in collections and it has caused negative issues to me. my credit score has dropped and I am getting rejected for loans and credit line increases. I need this resolved asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
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:
On XX/XX/2018, I noticed there is a Bankruptcy Dismissed on my Equifax credit report. On XX/XX/18, I sent Equifax a certified letter which was received by Eqifax and signed for on XX/XX/18, asking Equifax to validate this reporting. On XX/XX/2018, Equifax replied that this reporting Bankruptcy was " obtained from local, state and federal courts though a third party vendor XXXX ''. I have a copy of my XXXX report being frozen, and also a letter from the United States Bankruptcy Court stating that the United States Bankruptcy Court does not transmit or initiate conveyance of data to the credit reporting agencies. This letter further states, " The Court does not report bankruptcies to the credit bureaus and does not get involved in disputes regarding credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not validate the information with the Original Creditor, they must remove said information from the consumers credit file. By stating Equifax verified this information with a third party vendor is a direct violation of FCRA 623 ( a ) ( 5 ) and/or FCRA 609 ( a ) ( 1 ) ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: NY
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:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I decided to send another letter to each of them, demanding they delete the inquiries that I did not authorize. This occurred again on XX/XX/XXXX and XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: TN
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:
Equifax was unable to grant access to their online system to manage the credit report. After confirming identity, all attempts to regain access to the system resulted in errors. During this process, I discovered that the report had inaccurate contact information in all fields, including a phone number that has never been associated with me, and an address that was seven years out of date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lender : USAA-XXXX XXXX XXXX Monthly Payment : XXXX My mortgage lender has refused credit card payment on my monthly mortgage payment. XXXX XXXX  XXXX claims that I can't pay debt with debt even though I payed all my credit cards and bills every month and the only actual debt I have is my mortgage. I am filing a complaint on their refusal to take my credit card payment and forced me to use my bank account to make a payment. Banks can't denied a credit card payment from consumers, specially when my credit card allow me to make monthly mortgage payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: EQUIFAX, INC.
State: GA
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:
After reviewing my credit file i discovered unauthorized and unknown accounts being reported as ethic but they are not therefore im demanding these fraudulent accounts be removed and blocked from my credit file. 

1. XXXX XXXX {$270.00} 2.  XXXX XXXX XXXX {$350.00} 3. XXXX XXXX XXXX {$330.00} 4. XXXX XXXX XXXX {$540.00}

Company response to consumer: Closed with explanation