BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
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:
I am writing to officially dispute certain items in my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy. 

Account Name : XXXX  XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES XXXX XXXX inquire date XXXXXXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX inquire date XXXX XXXX XXXX  inquire date XXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX inquire date 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 2018-11-07
Company: EQUIFAX, INC.
State: ID
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 disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX   XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX   XXXX and XXXX XXXX They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I became ill last year and was unable to pay my mortgage because I was off from work. I have become delinquent and my home is set for a property foreclosure sale. I have requested mortgage assistance several times, the mortgage company has been difficult to work with me and refused to help me save my home

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage got transferred to loancare- have emailed, called and emailed again trying to set up a biweekly payment which was initiated with the previous servicer XXXX, they dont email, dont call and closed my inquiry via email without an option to reply to the message - they are deplorable and wish we had the right to choose servicers

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 2022-11-10
Company: Experian Information Solutions Inc.
State: PA
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 recently became interested in building my credit but when I received my credit I realized that someone has been using my information for several years to set up multiple fraudulent accounts which includes XXXX XXXX XXXX XXXX XXXX, XXXX also there are several hard inquiries on my report that I have no knowledge of XXXX XXXXXXXX XXXX XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2021-09-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I like im being take advantage of and being ignored of my disputes. Section 611 ( a ). Its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or t will file a litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hand of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is regarding Experian Report Number XXXX ( CFPB ID XXXX and XXXX ). I've been trying to find out why Experian keeps lowering my FICO score. The results of their investigation aren't available online, and when I called the number listed online, they didn't give me a satisfactory answer. 

I always make payments on time, I've had the same two credit cards for years, banked at Bank XXXX XXXX for thirty-six years, and had no hard inquiries. In spite of the aforementioned, Experian has lowered my FICO score from XXXX to XXXX in the last two months. 

I think Experian is lowering my score in retaliation for filing complaints against their company.

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 2022-11-10
Company: Bread Financial Holdings, Inc.
State: TX
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 was in XXXX XXXX from XXXX and XXXX XXXX is collecting on a Victoria secret credit card on my credit. This is fraud from identity theft. I have not opened authorized or signed for this debt. Please remove it immediately and stop violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The account i have been disputing with TransUnion is the account XXXX - XXXX XXXX XXXX XXXX XXXX Mortgage. The information is wrong because in the report the say last payment received was XX/XX/XXXX and in the history they said that no payment was made First dispute XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX Still this situation hasnt been resolved when is a clear mistake in my report just by looking at it. All other companies had eliminated this from my report except TransUnion

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 2023-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/2022 a transaction was made to a utility company that wasn't made by myself and the bank sent me an alert. Because of this I looked at all the transactions and found numerous transactions that wasn't made by myself and filed a claim with my bank. They denied the claim including the one they sent an alert for. I called them and they reopened the claim, yet they denied it again. These charges were not made by me or anyone I knew but because I stated my debit card was always in my possession they denied me. I have contacted some of the merchants and they have agreed to the transactions being fraudulent but I was told my bank has to start a request for the transactions and they would return the funds to my bank. I sent an email explaining this but still have not heard a response from my bank. I don't believe they investigated the transactions because they stated that the transactions they could view was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Did not give consent for more than one hard inquiry. 
XXXXXXXX XXXX XXXXXXXXXXXX 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 XXXXXX/XX/XXXX Did not give consent for hard inquiry. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Did not give consent for than one hard inquiry. 
XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX Did not give consent for hard inquiry. 
EXPERIAN XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX Experian EXPERIAN XXXX XXXX  Credit Bureau Inquiries XX/XX/XXXX Experian EXPERIAN XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX Experian Did not give consent for hard inquiry. 
XXXX XXXX XXXX  Miscellaneous Finance XX/XX/XXXX Experian Did not give consent for hard inquiry. 
XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX XXXX  Miscellaneous Finance XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX XXXX  Miscellaneous Finance XX/XX/XXXX XXXX Did not give consent for them to pull a hard pull inquiry. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Did not apply for these cards. Did not give consent. 
XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2020-03-06
Company: Meridian Financial Services, Inc.
State: MI
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 am submitting this complaint against Meridian Financial Collection Services for violation of the Fair Credit Reporting Act and the Fair Debt Collection Act by not responding to the request I made to provide information documenting this debt. Meridan Financial then reported this debt to the XXXX  Credit Bureau without responding to my request for documentation which is in violation of the Fair Credit Reporting Act. This action has caused a great damage to my excellent credit standing that I have worked to achieve over many years. Never once providing requested documentation that I owe this debt. I do not owe this debt and will seek all legal remedies. They began their phone calls starting XX/XX/XXXX ( 15 calls ) and then sent letter for payment or a response. I responded to them by certified letter on XX/XX/XXXX within the 30 days time allowed and received a sign certified receipt dated XX/XX/XXXX. This letter was requesting requesting documentation with absolutely no response.I am a XXXX year old widow with only retirement and social security to support myself. This issue and the repeated phone calls by Meridan Financial has caused severe stress to both my physical and mental well being. I am asking for an investing of Meridan Financial who represents XXXX XXXX a XXXX XXXX violating the rights of an American citizen. I am not positive if it was Meridian Financial or XXXX XXXX but they called the city offices at XXXX XXXX MI where I am XXXX  asking for information about me. Inappropriate and I believe not allowed under the collection laws.

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 2018-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is an inquire still showing on my report that should have been deleted already by law. Name of company is XXXX XXXX XXXX   the removal date was back on XX/XX/2018 and still shows on my credit. I'm trying to buy a house and is affecting me on my eligibility for it. If you need to get in hold of me feel free to contact me at XXXX XXXX XXXX. Thank you in advance for your prompt help. XXXX 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 2019-05-08
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have been receiving repeated calls from this company called Scott D. Carruthers office of law, a collection company in behalf of XXXX for a loan that I took out years ago. I have written them a cease letter not to contact me since they did not send me anything about this alleged debt in the past. However, they have also contacted my children who are in college and threatened them that they're going to take me to court and sue me. They have also contacted other relatives of mine including my parents and siblings revealing to them this alleged debt. My children are distracted during their finals weeks because they keep calling them from different numbers after they block them and told the to have their money call them and that it is very serious revealing I owed a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have repeatedly requested my signatures on the application of this debt. I keep asking how the debt was verified. I noticed that this company continues to re-age my account. They will not report it on my credit report properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023, LVNV Funding received a debt validation letter from XXXX XXXX. LVNV Funding did not validate the debt that LVNV Funding allegedly claim I owe. As a result of that failure, LVNV Funding also received a letter demanding the deletion of the alleged account from all consumer reporting agencies on XX/XX/2023. Under the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], disputed items must be validated or deleted and removed from my credit record within 5 days. LVNV Funding have triggered Privacy Act violations U.S.C. 552a ( g ) ( 1 ) ( A ). LVNV Funding neglected to respond or comply. LVNV Funding has obtained my personal private information including but not limited to my social security number, outdated addresses, names, and phone numbers which is a violation of the Privacy Act because LVNV Funding does not have a certified document granting them permissible purpose to furnish anything about me or to have my information for that matter. I did not give LVNV Funding legal permissible purpose per FCRA. LVNV Funding is a known junk debt buyer. Per 15 USC 1692K Civil liability, LVNV Funding is now liable for violations that they have carelessly committed. These behaviors are also considered abusive and harassing. I am aware that LVNV Funding was sued before for abusive and deceptive practices and behaviors towards past consumers. Recently, LVNV Funding attempted to sue XXXX XXXX from XXXX for a debt he did not owe. LVNV Funding was then ordered to pay XXXX XXXX {$19000.00}. LVNV Funding will be sued if LVNV Funding continues and attempts to call my bluff as a federally protected consumer by not complying with the FDCPA, FCRA, and Privacy Act. The actions LVNV Funding have committed constitute identity theft and fraud. LVNV Funding will be reported to the FTC once more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Firstsource Business Process Services, LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Firstsource Advantage , LLC contacted XXXX XXXX and proceeded to ask him if he knew XXXX XXXX. The guy stated that she had a credit card with XXXX  that she owed {$810.00} on and that the debt had been sent to collections. I do not know how they got XXXX XXXX XXXX name nor his phone number and they should NOT have shared personal debt information with a third party. This is a violation of FDCPA, data protection and my privacy.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Re : Account ending in XXXX, XXXX Capital One Case XXXX CFPB Case : XXXX The Law says 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I decided not to have any information shared with any XXXX parties and any contract I had with Capital One is revoked! You damage my reputation, welfare and credit to where I'm being refuse to open a bank account YOU DONT HAVE PERMISSION to SHARE any of My INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: VA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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

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 2018-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, Friday, a girl named XXXX XXXX texts me that she has an interest in renting the room in my Appartment. She sees the floor plans online and says she's interested and she asked me to send me money as she needed some assurance for it. She says she sent me {$130.00}. Instead she calls my bank and makes a ATM deposit claim of {$1300.00}. After that, my bank credits me {$1300.00} as a temporary credit. She tells me she sent {$1300.00} instead of {$130.00} and send her {$1100.00} back. I did via XXXX transfer. Again that evening she texts me that it wasn't working and she has reverted money back to me, when again she made a second claim on my behalf calling bank of America. I send her the money again. So I send her the money actually from the claim but not the money I thought as she transferrd. I get two messages on my bank of America about the claim, I didn't understand anything. I'm amazed how anyone can call from phone and make a claim without calling from an authorized number from Bank of America. Since it's a XXXX transfer, bank of America will reach out to her account and investigate, but I highly doubt it will work. I want justice against this XXXX and bank of America transfer system which has no fraud protection.

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