BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-19
Company: Experian Information Solutions Inc.
State: MN
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 U.S.C XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2019-05-04
Company: EQUIFAX, INC.
State: CA
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:
two student loans are reporting under equifax credit reporting agency, these are inaccurate and fraud, i never had these account, i ever went to school here, i dont know who opened these loans under my name, i have been disputing these inaccuracies with equifax for more than a year and it is causing me trouble, please have these inaccuracies removed, i have been complaining for the longest time. this is not fair, please help as a consumer i need your help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Upgrade, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I contacted Upgrade shortly after opening a credit card account because they were very deceptive in trying to force me to sign up for auto-pay. That was almost a month ago. I paid off the small balance immediately and have made at least 6 calls since then, demanding they close the account. Each time they say it will be few business days. The account still shows as active as of today. They simply refuse to close it and openly lie on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have been a victim of identity theft

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 2020-09-21
Company: Linebarger Goggan Blair & Sampson LLP
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XXXX a voicemail was left on my mothers phone from this company regarding collection efforts on a red light enforcement citation ( {$50.00} ). This has not been my contact information for several years. At the time the voicemail was left I contacted the company and asked that they contact my direct number ( cell ) and remove her phone number. They did not and continued calling a nonparty to this citation even when having the correct information. I explained my mother was XXXX and recently laid off due to COVID-19.  However, on XX/XX/XXXX they contacted her again. I have yet to receive a voicemail or collection attempt on my correct contact information. Further, this company refuses to settle and also told me they would not accept payment by phone even though their notification letter states they do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OK
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 has hard inquiries on my credit file that I did not authorize. The dates are from XX/XX/XXXX, and XX/XX/XXXX. These were not made by me and I am asking that they be removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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:
Equifax Is reporting fraudulent inquiries on my credit report from these companies : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
Midland credit manaagment has no signed contract binding me to a XXXX and XXXX balance. XX/XX/2020 I do not enter into No agreement with midland credit management. They bought debt from XXXX for XXXX and XXXX from XXXX XXXX XXXX and have no co tract between myself and them. They are fraudulent placing collection and dates I never signed any binding contract with this company I want both account removed off my credit file if they do not have a contract that I have signed with them. They are in violation of my rights and due to Covid they are placing incorrect collections accounts to ruin my credit further. If they can not provide a contract signed between my self and their company I want both accounts removed from all 3 bureaus ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit reporting 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, I did not give permissible purpose, and written instructions from the consumer were not provided, and there was no credit transactions with a consumer, and employment purposes with written authorization from a consumer were not provided, insurance underwriting purposes, tenant screening, and national security investigations. 

Please delete the inquiry from my consumer report. 

Thanks, 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 2019-10-31
Company: Gatestone & Co. International Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Over the last 4-5 weeks, Gatestone and Co. International has called my employer, relatives and friends about an XXXX bill I owe. 
1 - They do not call me at all. I had to get messages from friends and family about their calling. Called my family liars when they said I was not home. Gatestone is calling people all over the US who I DO NOT live with and haven't spoken to in years. I had to call them to find out who they were and what debt. 
2 - The debt they were calling about, yes I owe but not behind in payments. So I asked why they continue to chase ... no response, just repeating that I owe money 3 -  Specially told them not to call anyone but me and they have my number ... They are harassing my ex-husband & his family. We have been divorced 13 years 4 - Today XX/XX/XXXX, they called my employer insisting that I handle this debt and call them back. Again, embarrassing, no phone to me and my account is up to date. 

This is outrageous!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX, XXXX Inquiry date : XX/XX/2019 They Ran my credit twice in the same day I wrote to them No response The Fair Credit Act did not respond thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
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: Account status incorrect

Complaint:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2022-02-24
Company: Experian Information Solutions Inc.
State: VA
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, has violated my rights. 

15 U.S.C 1681 Section 604 A. State I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : State 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 non-monetary relief
Consumer complaint received 2021-04-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Ive have had problems with XXXX XXXX for sealing consumer funds and then sending the consumer to collections leaving the consumer to flip the bill and stealing funds during bill pay debits taking funds assigned to pay a bill creditor claims never received bank show debit but no knowledge of actual funds making it where you have to pay twice on 1 bill, HSBC I found that money will just come up missing with call center and in branch having little to nothing they want to do to help recovery funds, XXXX XXXX XXXX is the only bank that I give award to for outstanding service great with transfers debits and accuracy XXXX XXXX cool made mistakes in the past but fixed them along the way better customer service reps then previous XXXX XXXXXXXX XXXX as well with accuracy but will bug you to XXXX XXXX with text and emails every 5 mins I turned it off and they still do it America as a Corp great I found little to no flaws with them they are very text book and has always offered the helping hand where fair is due they have maintained fairness along the way so for them that means perfect score the only problem I found was the interest accumulation on taxes if that is not paid in a small t of time it turns into the original balance or double

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: SUNTRUST BANKS, 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: Account information incorrect

Complaint:
s Suntrust equity line is not reporting that in XX/XX/XXXX or XX/XX/XXXX that I was late. was ' never late in the month of XX/XX/XXXX please make entire year today correct with no lates!

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to mXXXX XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX Hard inquiry notices by Capitol One on XX/XX/XXXX from multiple bureaus received in my email. Called XXXX. Spoke with XXXX sent me to application dept XXXX. Spoke with XXXX required XXXX, transferred to XXXX, transferred to XXXX. Que said XXXX was opened online application ID XXXX, she will close acct & report to credit bureaus. Her number XXXX XX/XX/XXXX Hard inquiry still showing on credit report. Called XXXX spoke with XXXX, said credit bureaus are responsible for removing fake data. Sd capital one reported as fraud, nothing more they can do. 

I do not think it should be my responsibility to contact multiple credit bureaus and jump thru their hoops to get fraud generated by Capitol One off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-04
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I just recently retrieved my XXXX XXXX Credit profile and I noticed that there has a been some mistakes. There are two inquiries that I do not authorize and was not present on my credit report last year in 2017.

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 2019-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
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:
Kohls continues to report account as past due. enormous increases to balance owed and outrageous late charges. On XX/XX/2019 I submitted a proposed settlement offer : Reference : Account Number : XXXX Kohl 's ATTN : CEO XXXX XXXX  XXXX XXXX XXXX, SD XXXX Dear Executive Officer : I XXXX XXXX XXXX am writing this letter to show my willingness to settle referenced account. Records show that I have continued to dispute Kohl 's increases to minimum payments due and the assessing of unwarranted late fees, with negative responses. Kohl 's has failed to provide a detailed explanation on these outrageous minimum payments due and assessing of late charges. Minimum payments due continue to be inconsistent. Kohl 's continues to show an inaccurate depictions of my credit scores, resulting being unable to achieve my financial goals and objectives. 
Even though Kohl 's unwillingness to provide a detailed explanation on these minimum payments due and assessing of late fees, referenced account continues to be paid on time. 
Based on this information, payment detail listings, and payment history reports, I feel that I do not owe as much as Kohl 's claims I owe and I am willing to save both parties a great deal of time and expenses by offering to settle referenced account for {$300.00}. Reported balance {$810.00} minus reported late fees ( {$510.00} ) = {$290.00} ). I am proposing making payments in the amount of {$50.00} every month until paid off. 
Kohl 's has failed to respond to this settlement offer or even submit a counter offer. Latest credit reports show that Kohl 's continues to show an outrageous balances, assess unwarranted late charges. According to several Negotiating settlement websites and after conferring with several Attorneys, Kohls was to have responded within 30 days of receipt of settlement offer.I was informed not to make any payments until I receive the proposed terms of settlement in writing on company 's letterhead with a signature from someone who is authorized to agree to proposed settlement offer. Against my better judgment, I continued to submit monthly payments, with the final payment made in the amount of {$18.00} Check # XXXX. Since Kohl 's has showed an unwillingness to work with customer to bring this account to a close, I consider this account as paid as agreed. Kohl 's actions or lack thereof continue to have a devastating impact on my credit scores. Kohl 's has depicted me as uncreditworthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2017-12-12
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage servicer is LoanCare , LLC which is part of XXXX XXXX XXXX XXXX. The Mortgage Payment is due every XX/XX/XXXX of the month and late after the XX/XX/XXXX of that same month. I have not been late since LoanCare was assigned to me by XXXX XXXX in XX/XX/XXXX. But since then I have notice some anomalies in the activity of my escrow account that lean toward making it difficult to pay on time and bring up my credit score because of on-time payments. In XX/XX/XXXX there were funds moved in and out of the account for nothing on the surface. But when you look at it closer, the movement exhaust the escrow causing an advancement from the mortgage company, therefore increasing the balance of the account to drive down the credit score. This allows all attempts to get a better loan to fail because your score is just below the approval line. 

In XX/XX/XXXX the Escrow Account was drafted in XX/XX/XXXX when it did not need to be drafted till XX/XX/XXXX for Tax bill due. But LoanCare chose to do it early because they could cause a temporary advancement to drive down the credit score. Payments in XX/XX/XXXX and XX/XX/XXXX would of been sufficient to pay ALL of the taxes outstanding before the XX/XX/XXXX Due date. 

Also I pay all my Mortgage payment online through my own checking account XXXX XXXX XXXX. This way I can keep a meticulous record when the bill is paid. Also the payment is drafted electronically in 24 hours. But I have noticed that though the account is funded, LoanCare does not credit the account for 3 to 4 days. LoanCare does not have a local branch in the XXXX area and all Online payments through their site cost a fee. 

This account is intentionally made difficult and expensive to cause defaults and foreclosures to struggling homeowners. I have attached copies of proof of the above statements. If you have any questions I can be reached at XXXXXXXXXXXX. Though I have filed a complaint with my Mortgage Servicer I do not expect them to change their behavior. I will be passing on to the press this information too.

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