BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
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:
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. 

XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # 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 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 2022-08-20
Company: Experian Information Solutions Inc.
State: IN
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:
After carefully reviewing my EXPERIAN credit profile I noticed several credit inquires being reported that I did not authorize, nor do I recognize. The credit inquires that I am referring to are as listed along with the dates : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2023-07-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is in a response to complaint # XXXX where XXXX XXXX XXXX XXXX XXXX XXXX asked me to complete an identity affidavit form. This collection is the result of an identity theft crime in which the original complaint contains the police report. Attached to this complaint is the completed identity theft affidavit FCO requested I complete.

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 2022-10-27
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX : {$8800.00} XXXX XXXX XXXX XXXX XXXX : {$9300.00} XXXX XXXX XXXX XXXX XXXX : {$3300.00} XXXX XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX XXXX : {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX XXXX XXXX : {$4900.00} XXXX XXXX XXXX XXXX XXXX : {$7600.00} XXXX XXXX XXXX XXXX XXXX : {$2300.00} XXXX XXXX XXXX XXXX XXXX : {$7200.00} XXXX XXXX XXXX XXXX XXXX : {$3800.00} XXXX XXXX XXXX XXXX XXXX : {$8600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3300.00}

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 explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
State: NY
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 XXXX5 USC 1681.

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

15 U.S.C 1681 section 602 A. Section XXXX : It states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) 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 crime with antedates the report by more than seven years. 

XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXXXXXX XXXX OF XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I had 2 separate credit card payments due to Capital One. I paid both payments late, but before they were 30 days late. I was forced to pay the minimum amounts due, because my mother suffered a tragic death on XX/XX/XXXX, two days before my payments were due, and I was very busy making necessary arrangements for her funeral and subsequently am still handling her affairs, now. 

When I made the minimum payments due, apparently the minimum payments were {$1.00} and {$3.00} short, because additional interest accrued on the accounts 3 days after the minimum payments were due. Capital One is reporting each account 30 days late to my credit bureau. One 30 days delinquent by {$1.00} and the other account 30 days delinquent by {$3.00}. 

I received a Capital One Credit Wise alert to advise me that 2 of my accounts were 30 days delinquent and my credit score had been affected by 156 points. I was mortified. I then logged on to verify what the problem may be. When I realized the amounts of {$1.00} and {$3.00} were being reported delinquent, I thought it must have been a mistake. I called Capital One, immediately. After speaking with several reps, they were unable to locate the delinquent accounts and sent me on a wild goose chase insisting that it must be " some other credit card company reporting the delinquency because Credit Wise reports all credit card accounts. '' After spending hours calling every credit card issuer I have, I realized no other credit cards were delinquent and I called Capital One back. This is when a supervisor, the second supervisor I spoke with, advised me that yes, the two accounts were delinquent. One in the amount of {$1.00} and the other in the amount of {$3.00}. I asked if there was anything I could do to have the delinquencies removed, because it was affecting my score by 156 points. It was my first 30 days delinquency, ever. They said " no. '' Just " no, '' and refused to assist me in any way. I hung up and called back only to receive the same answer. I spent considerable time making 5 calls into Capital One, and the representatives were condescending and obnoxious. I have since paid the {$1.00} and {$3.00} oversight, but they refuse to correct the mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my multiple endeavors 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 items 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 XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on 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 2022-07-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received charge on my credit card in the amount of XXXX from XXXX on XX/XX/2022. The same day, I contacted my CC company and they removed the charge. An investigation was performed and confirmed that this charge did not belong to me. 

XX/XX/2022, I received a letter, in the mail from Chase XXXX claiming that I owe XXXX XXXX. This amount is different from above charge. Therefore, its not clear to me if this is related to above or just a separate false charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX with Account XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information 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 2022-10-27
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$510.00} XXXX XXXXXXXX Balance : {$34.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX, NY XXXX i son my Experian credit report. I DO NOT OWN THIS PROPERTY NOR HAVE I EVER LIVED THERE. I've sent quite a few letters on this issue to have this fraudulent property removed.

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 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
There is an inquiry on my Transunion credit report called XXXX XXXXXXXX XXXX  XXXX XX/XX/22. I have never applied for a Mortgage loan ... .EVER!

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 2022-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 contacted Capital One regarding a cash advance fee as I did not make or request a cash advance. I spoke with representative who advised nothing she could do. Advised I have always used my XXXX with XXXX and never been charged a cash advance fee by Capital 1. I requested her supervisor which was XXXX who is a Customer Senior Account Supervisor. She repeated what her associate had said. I tried to explain to XXXX it was the same type of transaction I completed many times with XXXX and I have my credit card linked to XXXX and she advised XXXX must have changed their policy as they sent a code indicating it was a cash advance. I explained again it was not. I asked for her XXXX and she advised no one else was in her office that was above her. I asked again for her XXXX, she placed me on hold 2-3 times. She came back and said she would not let me speak to anyone else higher than her and she would be disconnecting the call. I asked her to not disconnect the call as my issue was not resolved. She disconnected the call. I was shocked the bank Ive used for many, many years would allow employee to hang up on a customer who had an unresolved issue. 

I called Capital One back. XXXX answered in credit card services. I asked to speak to someone hire up and he transferred me to XXXX XXXX and the party who answered told me he was unable to help me and I should not have been transferred to him. He then said hed transfer me to someone else in credit card services. I was placed on hold again and after a while, I was unable to hold any longer. 

I did contact XXXX and spoke to XXXX. Call # XXXX. He advised their process has not changed. He advised they did not send a code to Capital One indicating it was a cash advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Navient Solutions, LLC.
State: CT
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:
Navient private student loans are income based driven loans. After my divorce, I submitted my documents to was then Sally Mae. Navient never acknowledged the divorce decree, which keep me as a financial hostage to them. Over the years I have written numerous letters to Navient regarding my financial status as well as my divorce decree. 
Navient private student loan services listed accounts on my credit report as being late more than 60 days which belongs to my daughter and ex-husband. Account has never been late. Daughter never disclosed to me anything beyond accounts in forbearance. Accounts has been in forbearance since the Covid pandemic. She is still unemployed. 
XXXX2 Change to all 3 credit reporting with XXXX credit scoreXXXX. On XXXX XXXX reported exceptional score of XXXX On XXXX, filed a dispute with Navient. On XXXX file a dispute with Attorney General office of CT XXXX, still waiting on that investigation as well. Score decreased. to fair XXXX, changes to score with XXXX. On XXXX, XXXX updated dispute with submitted documents. Also on the same date changes made with XXXX. 
XXXX deleted the accounts from credit files as of XXXX after their investigation of my dispute, however my credit score as of XXXX, has not been restored from fair to exceptional. which was my prior score before this issue with Navient inaccuracies. 
XXXX, Navient sent a letter to daughter stating that accounts were approved for forbearance from XXXX to XXXX. If account in forbearance, why are the showing as late more than 60 days/negative on my credit report. This should have never happened. 
Still waiting to hear response from Attorney General of CT as well as updated and restored corrected scores from all 3 credit bureaus. 
XXXX submitted additional documents to XXXX re : forbearance letter and dates. 
I have worked extremely hard to maintain and improved my credit score to exceptional status. This matter should be investigated and my scores for all 3 credit bureaus should be corrected and updated as well as restored to my exceptional status.. Navient 's negative reporting on my credit file should be deleted from XXXX and XXXX due to their error and unfair practices, not mine. Again, XXXX has already deleted Navient from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX with Account XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information 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 2022-06-22
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX with Account XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I XXXX XXXX natural person has attempted to rescind on my Fraudulent contract with Toyota Motor Financial. I sent this corporation an Affidavit of Truth on XX/XX/2022. Toyota Motor has not rebutted my Affidavit, Toyota continues to harass me with phone calls and Statements of debt. This contract is no longer valid due to several violations committed by Toyota Motor. I have attached : Affidavit Cease and Desist Rescission of Contract

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with CMC. SLS is the servicing company. I can't communicate with them because they use archaic practices of verifying information that put my identity at risk. SLS has stopped sending paper statements. I want to continue to receive paper statements as their online system is absolutely terrible. They don't even provide an option to opt in for the paper statements. What the company should have done is give people the option to opt out of paper statements, but SLS never does the right thing by the customer.

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 2022-08-20
Company: Mr. Cooper Group Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
XXXX XXXX  ( Mr. Cooper ) refused a " Reverse Mortgage '' on a 3.875 % loan {$250.00} House with {$82.00} left on the mortgage. My age is XXXX with the need for senior citizen.line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX, I woke up and noted that my available account balance was showing as negative {$470.00}. However, when I calculated the pending charges against the current balance, the available balance should have been {XXXX}. I called an explained this to a customer service representative and was given the explanation of the bank made a posting error. This posting error has caused me to miss work ( because I could not put gas in my car ), and it is still unresolved. I proceeded to add {$470.00} from my XXXX account, but my available balance is still incorrect. My account is incorrect by {$560.00}.

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 explanation