BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-06
Company: Stellar Recovery, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I opened my current account with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, PA on XXXX/XXXX/15. Also on this day, a fraudulent account was opened in my name and social security number at XXXX XXXX XXXX XXXX XXXX XXXX, PA. I believe this was an internal error as the XXXX accounts were opened in the same day but I have been unsuccessful in getting XXXX to admit fault or even look at the problem ( this has now been going on since XX/XX/2015 ). We did everything XXXX asked us to do on our part by submitting the proper documentation that they required. After taking all these steps we never heard anything and the debt has now been placed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on 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 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 XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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.

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 2022-07-16
Company: EQUIFAX, INC.
State: MI
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 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian did not respond via CFPB but instead sent a personal email regarding the dispute and did not properly investigate or validate my dispute rightfully according to the law and according to FCRA rights. Additionally, the XXXX move out letter includes the concession charge back fee as the Early Termination fee, which is clearly stated as {$1300.00}. There is no mention of a concession charge back fee due at a later date. Therefore, the full amount was paid in full. See Attachments.

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 2023-08-11
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:
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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Credit Karma, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My tax return was deposited on credit karma card and card was sent I never received it I finally seen on app that my card was stolen and money being spent so I contacted credit karma told lock my account been stolen they continued to allow the activity till money was gone then I had to dispute transactions they gave XXXX credit back from their investigation out of XXXX still can't get them to give my money back I contact them they say they will email me never happens I been waiting XXXX and still no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I faxed documents to XXXX and am writing because my credit report is not accurate, I have attached my birth certificate, ssn, and a recent police report number from a incident in which I was almost killed, but thankfully Im still alive. Your records have revealed to companies Im deceased and this is untrue. 
Under Missouri state law I am also entitled to one free report a year if you are unemployed and plan to look for a job within 60 days, you are on welfare, or your report is inaccurate because of fraud. I have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly misuses file data, or fails to correct inaccurate file data. 
As you are aware I have made numerous attempts to get you to correct my credit report. Your records stating Im deceased has caused a delay in income tax services, among other things and has harmed me severely financially.

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-30
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since the beginning we have had nothing but trouble with this company, about two years now, they continually raise our monthly payments and upon inquiry as why they were going up we were told it is due to a missed payment and it distributes that months payment across a 12 month period, which would be fine if we were actually behind! Additionally, every month we try to make a payment online it simply says that a payment can not be made to an unknown error, we have tried several different browsers and computer still did not work, forcing us to make a payment through their telecommunication and proceeding to charge us a penalty of {$40.00} or so each month. However, what brings me here today is another issue we continually have with them is that, this month we were actually able to submit a payment online and recived a statement stating that the payment was received and successful on the XXXX however today we received an email stating that the payment failed and they have charged us a {$15.00} failure fee, an additionally {$30.00} processing fee or something, and now a late payment. When we called the mortgage company to make the payment again because a website can not refund these fees as I feel we are entitled to a refund due to the fact that, we received a successful payment statement and they waited XXXX days to contact us which made our payment late, we now have to pay the telerep fee, and upon demanding a manager several times the representative refused to let us to talk to XXXX. This company is a crook! and upon looking at the XXXX reviews it appears that many people has had the same issues. 
Thank you.

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 2023-08-22
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 
XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 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 XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

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

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 2022-10-28
Company: Experian Information Solutions Inc.
State: MS
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Elan Financial stole my {$300.00} deposit. The company stole my account information charging hundreds of dollars to my account. The Fraudulent actions resulted in illegal charges of {$140.00} dollars in financial charges, XXXX dollars of fees and the dilution of the security deposit. <P/>This company has illegally submitted negative information to the credit report agency. The company has diluted the security deposit ( {$300.00} ) but, states on the credit report a balance including the {$300.00}. <P/>The previous complaint has n't resulted into a sensible response. The company has admitted to not researching the Fraudulent charges that was made my their employees in a timely fashion. The company previously admitted to illegally charging finance and annual fee to the closed account. Lastly, Elan Financial stole the account deposit without submitting the legal federal paperwork. The security deposit account was in my name with US Bank,  this company dilute the account without filing papers with the court.

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 2023-08-10
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX dealer services Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX Has violated my rig

hts 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 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 conviction, or crimes, which antedates The report by more than seven years. 15 U.S.C. 1681 S-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 information is in accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I must file a complaint against Capital One which mishandled my credit card account and caused negative information on my credit report. I am trying to refinance my house and purchase a business, the negativity on my card caused by Capital has put my plans on hold. 

In XX/XX/2019 I found fraudulent activity on my Capital One card, account ending in XXXX. I called Capital One immediately and told them to cancel the account and the card. I paid what I thought was the balance in full. Capital One sent me another card ending in XXXX which I never activated because I no longer wished to do business with Capital One. I believed that the account was closed and was paid in full. 

Earlier this month I was reviewing my credit report and discovered a Capital One Account which was started in XXXX and had been receiving regular payments. This account was not delinquent, but it was not my account. I called Capital One and was told that the fraudulent account was not mine and that they should would remove it from my credit report. At this time they told me that I did have an account ending in XXXX. I protested stating that I closed the account after paying in full. Capital One stated that the account was not canceled but suspended, running up late fees and interest payments. During this I never received any statements from Capital One, prior to my closing the account I was e-mailed by Capital One each month and made all my payments on time. I told Capital One that this was not acceptable, I was willing to pay whatever I owned at the time I closed the account but I was not going to pay late fees and interest payments. I was told by Capital One that they could not remove the interest payments or late fees. Capital One, a few days later, placed four late payments on my credit report, I called Capital One and was told that I had to take it up with the credit reporting agencies. 

So to recap, Capital One fails to close my account, they suspend it, dont tell me they suspended it, stop e-mailing me statements or mailing paper statements, run up months of interest and late fees and dont report it to the credit bureau until I call and inquire about another fraudulent account I discovered on my credit report. 

I only wish to have the late payments removed from my credit report, the account closed and to never do business with Capital One again.

Company response to consumer: Closed with monetary relief