BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-19
Company: EQUIFAX, 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:
I've call the credit bureaus in the past about my credit score. I have NO collections, NO late pays, NO charge offs, No negative credit lines in my report. Yet my scores are in the mid 500s. I dont understand how this can be fair to me. I work hard to make sure I pay all my Bill 's on time. During this pandemic, I've used my available resources to get by to make sure I dont miss any payments. I've been turned down for loans and had to use financial services with high interest rate. Please fix my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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.

has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi my name is XXXX XXXX, I have collection of $XXXX    from my old apartment, and they send me mail or latter after putting this money to debt collection ,before that I did not get inform ,when ever I got this amount  of bill I did pay in full of $XXXX. Now im just woundring for how long this collection mark stay in my XXXX XXXX. This is my 1st collection ever I really don't have an idea.   Thanks .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: CMG MORTGAGE, INC
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
/The buyers of our home is using CMG Mortgage as their lender. The loan was scheduled to close on XX/XX/20 but the lender had not scheduled the appraisal until XX/XX/20 so they asked for an extension to XX/XX/20. On XX/XX/XXXX they claimed that the loan officer hadn't reviewed all the borrowers ' financial information and asked for extension to XX/XX/20 On that date they claimed to still be reviewing the documents and asked for an additional extension to XX/XX/20. On XX/XX/XXXX the claim was that one document ( disclosure ) hadn't been signed and they needed three extra days. It is now XX/XX/XXXX and now the Mortgage Co. does not respond to calls. 
I don't understand this as I have moved out of my house and am living in a hotel. HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

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 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
All three credit bureaus have abused their assumed power of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA

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 2023-05-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
As stated in my previous ( & ongoing ) problem, I had a check for {$1100.00} fished out of a mailbox, clumsily altered and, subsequently cashed by XXXX XXXX. This check was dated, XXXX XX/XX/2022. By looking at the calendar, it can be seen that we're coming up to a year, and there has been no appreciable movement on rectifying this error. In fact, it seems to have taken some backward steps. After not annoying anyone since XXXX, of this year, I've called Citizens 4 times ( once to the Claims Services DeptXXXX, where I'm still waiting for Letitia to call me back and 3 times over the past week to XXXX XXXX, from " The Office of the Chairman ''. She's been out of the office, bit, assures me, " She'll get back to me. '' I appreciate that you've contacted them, but, it seems to have not made much of a difference. Have we reached the limits of your powers, should I contact an attorney? I'd appreciate your advice. Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-30
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have lived at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for this year and never received a letter to my home address. 

I went back to the old address in XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and checked to see if the debt notification mail was sent there and it was not. I received mail dating back to XX/XX/2022 but none from Fair and O collections.

With those being my only two address I do not think Fair and O Collections did their due diligence in notifying me of the debt or showed me any proof that it was legitimate before reporting me to the bureaus. 

With that said, I think that is unfair and against The Fair Debt Collection Practices Act. I would like them to show proof ( mail receipt and proof of delivery ) that they tried to contact me and provide me proper notice of this debt.

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 2020-11-27
Company: Experian Information Solutions Inc.
State: PA
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:
on XX/XX/2020 I sent a letter to Experian, XXXX, and XXXX  to remove in accurate information from my account. I have not received any response from the credit bureaus about my request. On XX/XX/2020 I sent another request asking the credit bureaus to respond and still i have not received a response it is now XX/XX/2020. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a 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 2021-02-25
Company: Security Credit Services, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i sent a letter to Security credit Services , LLC about a alleged debt of {$28.00} that i don't owe and its damaging my credit. I haven't had any dealing with XXXX XXXX XXXX and requesting information about the debt and has attach a copy of the letter below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: EQUIFAX, INC.
State: PA
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:
on XX/XX/2020 I sent a letter to XXXX, Equifax, and XXXX  to remove in accurate information from my account. I have not received any response from the credit bureaus about my request. On XX/XX/2020 I sent another request asking the credit bureaus to respond and still i have not received a response it is now XX/XX/2020. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I became delinquent with a XXXX XXXX XXXX account XXXX XXXX ; my last payment to them was XX/XX/XXXX. XXXX XXXX cancelled the debt and issued a 1099-C on XX/XX/XXXX. The reason stated on Box 6 of the 1099-C is " G - Decision or policy to discontinue collection. '' However, they have continued to report this debt monthly to all three credit bureaus. Their reporting to the credit bureaus says I still owe a balance of {$3700.00}, the account status is Charged Off, and that I am 120+ days past due. I have disputed this multiple times with Experian and XXXX, and they continue to " confirm '' that I still owe the debt. 

I contacted XXXX XXXX XXXX  multiple times, but they failed to understand the problem. I even offered to pay the debt in full if they would stop reporting this debt to the credit bureaus, but they refused my payment because I do not owe them any money, and they mailed me a copy of the 1099-C they submitted in XXXX. 

One agent last week finally understood that it's impossible for me to be past due or hold a balance on a debt that no longer exists, and he stated he documented my account thoroughly and the situation should be resolved. 

Yesterday, however, they responded to my dispute with XXXX by saying that I still hold a balance on my account and that I am still past due. 

This debt has been cancelled. It no longer exists. The 1099-C was filed with the IRS and appears on my IRS Wage and Income Transcript from XXXX. They sent me another copy of the 1099-C last month. They know I no longer owe this debt, but they refuse to stop reporting the nonexistent debt to the credit bureaus. I don't know how to make them stop.

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 2023-08-30
Company: EQUIFAX, INC.
State: TX
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:
COMPANY XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XXXX XXXX AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER XXXX SUBCHAPTER C PART XXXX XXXX ME THE RIGHT TO OPT OUT. 
-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This complaint pertains to two credit cards at Capital One, and also an unlawful action involving Capital One accessing another person 's credit reports on XX/XX/XXXX. Capital One did not have a permissable purpose to access XXXX XXXX 's credit. 

Each Capital One representative acknowledged that XXXX XXXX is not financially responsible for this balance each time the account holder ( XXXX XXXX XXXX ) called. Both of these facts provide evidence that Capital One acted unlawfully when pulling XXXX XXXX 's credit on XX/XX/XXXX. 

In addition to running XXXX ' credit unlawfully, Capital One has demonstrated an unwillingness to accommodate the XXXX XXXX XXXX as the account holder since XXXX after XXXX 's attempts to close both accounts in good standing. Examples include : 1. Not merging the XXXX account with the XXXX after both accounts were paid off XXXX ... ... AND proof that Capital One had this ability in prior years 2. Not lowering the exorbitant interest rate on both accounts after both accounts were paid off XXXX ... ..AND proof that Capital One had this ability in prior years 3. Not assigning both accounts to the current third party debt collector, preventing the XXXX account from matching the XXXX settlement offer of 30 % from the debt collector 4. Previous attempts to contact Executive Customer  Service in XXXX and XXXX, only to receive canned statements about new processes offering no equitable or acceptable solution 5. Attempting to settle these debts with Capital One 's recovery department, only to learn they are not authorized to discuss all of our terms These cumulative events by Capital One are unacceptable and the XXXX is now responding in kind by filing this complaint. Both accounts are approaching the 4 year delinquency mark on all credit bureaus. Capital One has the ability to report these accounts to the credit bureaus as deemed necessary. Furthermore, Capital One also has the ability to edit, change, or delete both accounts as the information furnisher. 

We ( XXXX and XXXX ) are asking your agency to contact XXXX at XXXX or XXXX to discuss the your role in helping to resolve this matter equitably and expediantly. She's been trying to qualify for a mortgage for the month. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: CO
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: Billing dispute for services

Complaint:
I received this XXXX XXXX Purchase Alert today : XXXX $ XXXX Wed, XX/XX/2022 I discovered I am being charged {$24.00} by Experian for services I was not aware I had signed up for. I did create an account at Experian years ago when I signed up for their free credit reports. At no time did I receive a billing alert or copy of a purchase receipt or contract informing me that I had signed up for a paid membership and would be charged this amount on a monthly basis. This is the first and only month that I am being charged. 

I have contacted Experian to request a refund and downgraded my membership back to " free. ' I noticed online that XXXX has already been involved in FTC filings and had to pay fines previously. I am afraid many consumers could find themselves being charged without being aware of this 'membership ' participation. 

Thank you for any help in shutting down this practice at Experian.com

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 2020-12-05
Company: Experian Information Solutions Inc.
State: IL
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 SENT TO XXXX XXXX TO REQUEST VALIDATION OF THE ACCOUNT AND THEY SEND ME BACK JUST A COPY OF THE TRANSACTION AND THE AMOUNT WITH NO SIGNATURE AS I REQUESTED IN MY VAILDATION LETTER TO SHOW THAT I OWE THIS DEBT WITH MY SIGNATURE AND THAT WAS NOT THE RESPONSE I RECEIVED. IT IS BEING REPORTED ON ALL 3 CREDIT BUREAUS AND THAT IS AGAINST THE FCRA LAW TO REPORT SUCH IF CONSUMER BARES NO SIGNATURE OF BEING RESPONSIBLE FOR SUCH TRANSACTION. I REQUESTED A VAILDATION 3 TIMES AND THEY FAILED TO SEND ME ANYTHING WITH MY SIGNATURE STATING THAT I AM RESPONSIBLE FOR THE ALLEGED TRANSACTION.

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 2020-08-31
Company: EQUIFAX, 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:
EQUIFAX HAS VIOLATED MY RIGHTS UNDER THE FCRA AND I WANT THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE PROVIDED A COPY OF MY IDENTITY THEFT AFFIDAVIT, REQUEST TO BLOCK FRAUDULENT ITEMS, AND A COPY OF MY POLICE REPORT, FILED WITH THE XXXX POLICE DEPARTMENT, AS A VICTIM OF IDENTITY THEFT. THESE FRAUDULENT ACCOUNTS HAVE ALREADY BEEN REMOVED BY XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: EQUIFAX, 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 have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$1400.00}, dates open XX/XX/XXXX closed XX/XX/XXXX. 

XXXX XXXX ( aka XXXX XXXX ) - balance is showing as {$480.00}, Closed XX/XX/XXXX, opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Reliant Home Funding, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Looking in to a refinance. I applied on XX/XX/16. Loan officer will not provide me with a loan estimate until I provide him with full income documentation. I argued with him that he has my credit info and full application but he refuses to send it to me! This is his info : XXXX XXXX | XXXX  : XXXX Licensed Loan Originator Reliant Home Funding, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX | NY | XXXX Direct : XXXX Fax : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello I hope that this message finds you well. I am a consumer let me first start there. This company that I make this complaint against has used my report inaccurately and unlawfully. According to 15 USC 1681e these companies should make sure that are not in violation of 15 USC 1681c which discusses and states that the only reason any information should be furnished on an account is because of federal judgments or if permission was granted. COVID-19 set alot of people back including myself having to walk away from the industry. Now I was checking my credit report on yesterday and I noticed that XXXX XXXX  is reporting multiple late payments and this reporting agency is allowing the furnishing of such information after I asked for accommodations under the CARES ACT which states that information is supposed to show as current and never late. If I may add further to that. There are laws that have and are still currently in place that state that open transactions should not be reported and that also written consent must be given by the consumer which is me to furnish such information and looking at the consumer report the information is incomplete and inaccurate. This is aggravated theft and I am demanding that this account be removed due to the multiple law violations that this reporting agency has broken. This has caused significant trauma. Please allow me to be CLEAR. I am not looking for VERIFIED nor am I looking for those spam like messages that state that we are required to report which is not true by the way. I just provided the law that CONGRESS placed not your policies. I want the account removed or I reserve the right to get the allotted amounted for each violation.

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