BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
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:
I'm writing this complaint and there is no third party involved. This company XXXX, Experian and XXXX XXXX is very deceptive and unfair, they keep ignoring the situation based on the instructions I'm gave them. After all the due diligence I have done, I found out that pursuant 15 U.S. Code 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ), In accordance with the written instructions of the consumer to whom it relates. I have sent them plenty of letters giving them instructions what to furnish in my consumer report and all they do is ignore me. 

This is my privacy and I take very serious and if XXXX, XXXX XXXX and Experian wants to keep doing business with me, they need to understand that they need to do what I say if it has to do with my consumer report. Based on Congress Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. They have not been assigned by congress. XXXX, XXXX and Experian broke the law and they keep doing stuff 's with my consumer report without my consent. No consent is Identity Theft. Recently I was reading the article from the cfpb on XX/XX/2022 ( CFPB RELEASES REPORT DETAILING CONSUMER COMPLAINT RESPONSE DEFICIENCIES OF THE BIG THREE CREDIT BUREAUS. AND THEY TALKE ABOUT HOW XXXX ROUTINELY FAILED TO RESPON TO CONSUMERS WITH ERRORS AND REQUEST. ( Article attached ) They also talk about how XXXX often promised to open investigations and sent the results to the consumers later dates, but it would fail to provide the CFPB with the outcomes of the investigations. They Talk about For many complaints, Experian frequently stated it would take no action because it believed the complaints were submitted by third parties, however, it did respond to the remaining complaints with substantive responses. 
XXXX made similar promises and frequently failed to provide the outcomes of investigations to the CFPB. It often stated it would take no action on complaints because it believed the complaints were submitted by third parties.. I need XXXX, XXXX and Experian to take responsibility and stop doing this illegal practices .... 
I don't want the same thing happen to me, Im attaching new copies copies that I have sent today to XXXX, XXXX and Experian. 
attached with my social security card, ID and proof of Address.. Lets see what will be the excuse this time. 

PLEASE NOTE THAT IM NOT TALKING ASKING YOU TO INVESTIGATE OR VERIFY THIS ALLEGED ACCOUNT, IM THE ONLY ONE WHO CAN VERIFY.

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 2021-12-23
Company: EQUIFAX, INC.
State: NY
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:
Please be inform I have never been late on my XXXX credit since established. There is an incorrect late payment reported from XXXX to XXXX. This account have never been late and the current balance is also zero.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX has leaked all of the information needed to open credit accounts in my name, as have a dozen companies before them. Consumers remain virtually powerless over their own credit, with private corporations choosing to profit off of our misfortunes directly resulting from their poor security practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
TransUnion will not fix a problem on my credit report even though the creditor has already updated and reported to them that this was an error. I thought this information was corrected but it is still showing up on my credit report as 120 days delinquent. This needs to be corrected immediately. I have been working to resolve this for several months and according to the FCRA the credit reporting agencies have 30 days to fix the problem or delete the information if it is not able to be corrected. There were two separate accounts under the same account number both needed to be addressed but TransUnion only addressed one. Original account balance {$6000.00}. Per the letter attached from XXXX the delinquency was an error on their part. This should have been easy to determine as I have been having this " investigated '' for several months. Each time the response is that it was " verified ''. Obviously it was not verified. See attached documents!

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. 

Please remove/block the account as they are fraudulent & were opened without my consent or knowledgeXXXX 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 2017-08-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a joint checking account with someone else at Santander Bank. The other person on the account deposited what looked to be a " cashiers check '' for XXXX from XXXX XXXX. Once the check cleared my friend was instructed to wire money from XXXX to XXXX XXXX and keep the rest for secret shopping on XXXX. Within in a few days of the deposit and withdrawal the bank deemed the cashiers check fraudulent and the account is now negative. We have been told by the Fraud department that we are responsible to pay this back and are currently in collections with the bank. I spoke with their collections area and we have 55 days to get this paid back or the account will be closed and notice will go to XXXX XXXX and then to a 3rd party collection agency. By depositing this bogus check has not only created a very big minus balance but has credit reporting ramifications and not being able to open any new accounts if not paid off.

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 2022-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 received a credit card that I didn't sign up for. I called BofA to report suspected identity theft, and multiple support agents refused to help. They transfered me around to each other, placed me on hold and then hung up while I was holding. 

Based on the actions of multiple BofA agents, it's clear that BofA has no real process in place to address cases of suspected 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 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My transunion score went down 73 points onXX/XX/2021. I was in the process of buying the home and taking homebuying classes so I was required to pull my free annual credit report regularly. I was pre-approved for a home loan by XXXX XXXX XX/XX/2021 and understood that a hard inquiry would cause a dip in my credit score. My XXXX went down 10 points or so and my XXXX score went down a 10-15 points as well. My transunion score to a drastic dip with no change in the report other than the lenders hard inquiry. I spoke with XXXX from transunion on XX/XX/2021 after reviewing my credit report for any inconsistencies or reasons for a 73 point dip. XXXX had great customer service but Transunion could not provide any reason why this dip only occurred with their company. I was not offered any resolution or investigation to this situation. This has affected my life in a way where I may not be able to purchase my new home. I am aware credit scores are created on a algorithim but I am also under the impression that systems can have errors even within the algorithim method. My credit usuage and items on my credit report have not changed other than the hard inquiry on XX/XX/2021 by my lender. Transunion deducted 73 points from my credit score with no explaination. When speaking to customer service they were not able to advise why this happened nor refer to 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 explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After Equifax revealed my personal data to identity thieves via their wholly inadequate data security, I tried to place a credit freeze on my equifax account so that those identity thieves will not be able to fraudulently obtain credit in my name. 
Equifax wants to charge me {$10.00} for this, which is ludicrous, considering that this would n't be necessary if they had protected my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I am pleased to see some improvements on my report and there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00}

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 2017-08-18
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I seem to now have to issue 's, so I 'll begin with the first ( this will lead up to the second ) ... Around XX/XX/XXXX or XX/XX/XXXX if this year I notice my mortgage was not reporting to XXXX, but was reporting correctly to XXXX and XXXX. I contacted Ocwen Loan Servicing and ask if they would report my account to XXXX. The representative replied to me that they report to all four major credit reporting agencies. I was instructed to fax to them proof they were not reporting my account. I faxed over to them all the required information to prove my case. Now I do n't want to make this real long so please understand that for months I 've gone back and forth with XXXX and Ocwen to get this resolve. As of today, it still not showing with XXXX. On XX/XX/2016, I spoke with XXXX and transducers me to inform Ocwen to get the person that works for XXXX and handles their account to get involved. I fax a written request to Ocwen asking them to speak with the liaison the have that works for XXXX to correct this. I still have not heard anything back from them as of today. Now this brings me to my second issue .... I went online to bring up my account with Ocwen to get their phone number and call them to get an update. I notice my name was different on the most updated statement and on there website page. My name has always been correct and written on all documents as : ( I 'll write it later ) the missing part on my current statement is XXXX And on their website, rather XXXX on it, it has an!, not sure why these changes are and if this is legal. I 've received no notice to legal change my name, by them, on any document 's nor have I ever given any approval for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: LA
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:
Hi I am coming to you to talk about an account listed under my name and social that I noticed does not belong to me. I have sent several letters to the XXXX, XXXX, XXXX, and Equifax to fix it. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted them so it could be resolved before I ask for payment for violating my consumer rights. It is my understanding that per XXXX USC XXXX ( XXXX ) Validation of Debts that only way an account can be validated is by speaking with the original creditor and I am the original creditor. There are addresses that I never lived at or even provided the information that I did live there. A company or corporation can not tell me where I lived nor can they verify that in any way. I want my credit report updated to reflect true valid information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my 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 non-monetary relief
Consumer complaint received 2022-08-15
Company: UHG, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom this may concern I'm writing this letter because I'm frustrated. I had a debt with XXXX XXXX which went into collections. XXXX XXXXUnited Holding Group XXXX purchase my record. I contacted credit control on XX/XX/22 made a payment of {$410.00} which was cleared on said day. I was given United holding group XXXX XXXX which I've been trying to reach from that day. The above number no one answers or returned calls because I've left several messages. This company does not want to release my car title after I make the payment. This vehicle was in a wreck and was total. The company wants to send me what the car is worth but without a title they will not release the funds. I feel like I've been ignored. I need assistance with getting my title it's going on 4 weeks now. I need this issue resolved. They took my funds and giving me the run around. I need help in getting this matter resolved. Prompt response is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
i made a dispute requesting to have all old addresses removed from my report and addresses that i have never lived in and they will not remove them. according to law they should only report accurate information on my credit report. if not, that is considered misleading false reporting and should be deleted.

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 2018-06-02
Company: Stellar Recovery, Inc.
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:
I've been trying for almost 4 years to make XXXX  remove multiple accounts dating back to XX/XX/XXXX that were opened fraudulently by someone who stole my identity. I made my first disputes on these account on or about XX/XX/XXXX with XXXX AND XXXX AS WELL AS XXXX. I MADE THEM AWARE THAT I HAD NO KNOWLEDGE OF THESE ACCOUNTS AND XXXX AND XXXX BOTH INVESTIGATED AND FOUND THE ACCOUNTS TO BE EXACTLY WHAT I SAID THEY WERE AND THAT WAS FRAUDULENT AND BOTH XXXX  AND XXXX REMOVED ALL ACCOUNTS FROM MY REPORTS ON OR ABOUT XX/XX/XXXX. I HAVE PLEADED WITH XXXX TO REMOVE THE FRAUDULENT ACCOUNTS SINCE THEN AND THEY DID INFACT REMOVE ALL 6 FRAUDULENT ACCOUNTS ON OR ABOUT XX/XX/XXXX. SO I SUBMITTED AN APPLICATION WITH XXXX XXXX TO SEE ABOUT PRE-QUALIFICATION FOR A HOME PURCHASE ON XX/XX/XXXX AND TO MY SHOCK I RECIEVED A EMAIL FROM XXXX XXXX ON XX/XX/XXXX STATING THAT I COULD NOT BE PREQUALIFIED DO TO THE CREDIT REPORTS THEY HAD OBTAINED SHOWING THAT XXXX HAD PLACED THE FRAUDULENT ACCOUNTS ALL 6 OF THE PREVIOUS ONES THEY HAD UPON INVESTIGATION REMOVED IN XX/XX/XXXX. SO I SUBMITTED PROOF TO XXXX XXXX IN XXXX TEXAS SHOWING THOSE ACCOUNTS HAD IN FACT BEEN REMOVED AND THEN I CONTACTED XXXX  AND ASKED THEM WHY THOSE ACCOUNTS WERE PLACED BACK ONTO MY CREDIT REPORT ON XX/XX/XXXX AND THEY REFUSE TO PROVIDE ME WITH THE ANSWER. I HAVE AGAIN PULLED XXXX, XXXX AND XXXX  IN DEPTH REPORTS AND XXXX  IS CLEAR WITH NO ACCOUNTS IN COLLECTIONS AND XXXX SHOWS I HAVE NO ACCOUNTS IN COLLECTIONS BUT XXXX  DOES IN FACT SHOW ALL 6 PREVIOUSLY REMOVED FRAUDULENT ACCOUNT WERE PLACED BACK ON MY REPORT AND IVE AGAIN ATTEMPTED TO MAKE CONTACT WITH XXXX AND AGAIN DISPUTED THOSE SAME FRAUDULENT ACCOUNTS ONLY TO CONTINUE TO GO IGNORED. IM AT A TOTAL LOSE AS TO HOW THIS IS EVEN POOSIBLE OR LEGAL TO BE HAPPENING TO ME. IM A GRANDMOTHER STRUGGLING HARD TO TAKE BACK MY IDENTITY AND RESTORE MY CREDIT IN ORDER TO PURCHASE A HOME SO THE XXXX GRANDSONS IM RAISING WILL NEVER HAVE TO WORRY ABOUT NOT HAVING STABILITY IN THEIR LIVES WHEN IM NO LONGER ALIVE. IM TRYING TO INSURE THAT THESE BOYS WILL ALWAYS HAVE A HOME EVEN AFTER IM GONE. NOW TO BE DONE LIKE THIS IS SO WRONG AND ILLEGAL. ITS CAUSED ME MENTAL ANGUISH AND SEVERE STRESS WHERE IM NOT EVEN ABLE TO SLEEP SINCE I FOUND OUT ABOUT THIS ... .PLEASE HELP ME I DONT KNOW WHERE ELSE TO TURN TO GET THIS CORRECTED.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A company XXXX XXXX sent me a product I did not request or ask for and charged my account. I called the company and they refused to all me to return the product unless I paid for the return although fully admitting I did not order it. I disputed and was assured XXXX  times by XXXX it would be removed. The last one admitted that they even had not received any information from XXXX XXXX and still found in their favor. Her name was XXXX and that is recorded. sHE ALSO ADMITTED THEY CLOSED THE CLAIM BEFORE EVEN INVESTIGATING OR RECEIVING THE DOCUMENTATION THEY REFUSED TO TAKE ANY OTHER WAY EXCEPT BY FAX OR MAIL.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen Loan Servicing has referred my account to foreclosure and the assignment was fraudulently created and signed by robo signers also the cutoff date of the trust had expired when the assignment was created.

Company response to consumer: Closed with explanation