BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: CT
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 re added a major derogatory account to Equifax knowing I was an identity theft victim since XXXX. Equifax is how this all started due to a data breech which I was registered as a victim. They cleaned up my report and now they are allowing old fraudulent debt back on to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
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:
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. 

1. Account nameXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX # ending XXXX XXXX. Account name- XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX # ending XXXX XXXX. Account name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # ending XXXX XXXX. Account name- XXXX XXXXXXXX XXXX # unknown XXXX. Account nameXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # ending XXXX XXXX. Account name- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  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 and 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 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 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 non-monetary relief
Consumer complaint received 2017-04-14
Company: DOAN SOLUTIONS
State: KY
Product: Other financial service
Sub-product: Debt settlement
Issue: Excessive fees

Complaint:
I contacted  XXXX  for student loan consolidation and forgiveness. I am not sure how DOAN SOLUTIONS got my information, but I was contacted by them to send in documentation to finalize my request. I sent in the documentation and gave them information to take  three ins tallment payments from my account, thinking they were part of  XXXX . I called  XXXX  to ensure all documentation had been received and check status of my consolidation. I was informed that they had not received any documentation or any payments. I was also informed that the services being offered were free and that I should not have been paying and that my student loans were in default. I am not sure how DOAN SOLUTIONS got involved with this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the 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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
was the victim of an XXXX breach, which resulted in the theft and unlawful use of my information and left me with a mountain of debt that needs to be fully wiped from 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 explanation
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX  XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX  XXXX, # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1978 I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$1900.00}

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXXXXXX investigation results came back and says not specified not specified means Uncertain, indefinite.inaccurate undetailed So why is this still being reported on my account Please remove immediately because you are defaming my character Transunion you are suppose to be reporting 100 % accuarate information they told you that they could not specify so remove immediately This is about the Consumer investigation report XX/XX/2023 File number XXXX on transunion While going through the same, I came to know about a few inaccuracies. It is said that It is updated to Not specified and from my understands that Definitely means it should be removed because that means inaccurate, indefinite., not partial, uncertain and you should be reporting 100 % accurate information so please remove this from my report because this is defamation of character. 

According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
Your Company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. 
If the debts were valid you created a false impression that I was not able to pay the alleged debts. 
As a result, I was discriminated against a denied my right to extend credit. I also suffered emotional as well financial hardship .Therefore, your company is liable to 15 USC 1681o I hereby grant your company the opportunity to remedy this matter by doing the following things 1- Deletion from all consumer 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 2022-07-28
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:
I recently checked my credit report and discovered a lot of billing errors. Under U.S. Code 1666 ( b ), the creditor 's failure to properly reflect a statement, the debtor 's payments, or a credit extended to the debtor is a violation. A creditor 's computation error or other accounting error on a statement There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and was considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$19000.00}

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 2023-09-18
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 a check was deposited written from XXXX XXXX in the amount of {$9000.00} check number XXXX. 
Chase location XXXX XXXX XXXX XXXX. XXXX XXXX MO. The funds were on hold until Friday XX/XX/23. At that time when I attempted to make a withdrawal, I was informed the account was flagged and no funds could be released. After contacting Chase customer service department speaking with multiple representatives, & Supervisors I was told that XXXX XXXX signature needed to be present. 
I gave Chase Supervisors at least 3 different numbers for XXXX XXXX and I was told that none of the three were verifiable so they could not release the funds. The other option I was given was to contact XXXX XXXX to have the check recalled and they said they couldnt recall the check. So the funds are still on hold, and the accounts is now closed again after I was told that that had enough information to release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
Formal Appeal Notification your request has been denied. 

Carrington Mortgage encouraged me to contact you.

First, Carrington Mortgage attempts to defraud a retired veterans with service connected mental health issues with deceptive practices. it was proven. I still have that illegal contract. I reported Carrington to to the CFPB, the XXXX XXXX, the Florida XXXX XXXX, HUD, numerous agencies and attorneys. 

Carrington Mortgage was enforced to comply with XXXX and XXXX XXXX. Unlike the first illegal contract. It took over a year to complete a contract that I agreed upon with VA support/Promissory Note. I signed it. However, Florida XXXX XXXX dictates that both spouse 's MUST sign the contract. My wife filed for divorce only days after I received that contract. My spouse doesn't want to sign a quit claim deed. She wants to liquidate the house according to her petition for divorce. 

Carrington Mortgage negated that contract after I pleaded and made a payment in good faith. I submitted numbers applications with my final statements. Only XXXX were approved using the same financial statements. I was not employed and in all those applications, I submitted my retirement and XXXX. The second contract was approved with my pay had never changed. 

Notwithstanding the current market, inflation and soaring percentage rates, now Carrington Mortgage can come with a new legal way to XXXX me out of my home. This is literally about my first home I have sworn to keep, not to sell or liquidate. I bought it for {$250000.00} the market price is nearly {$500000.00}. It's a great profit to ensure a veterans with XXXX, that suppose to be protected under the XXXX goes homeless. That is the bottom line. 

Therefore, you XXXX me, I XXXX you back. 
HUD, the VA, Florida XXXX court and XXXX 's concerned with get this grievance. 

After all I been through to protect this sorry XXXX country, this is it for me. When I finally realized that I have lost this battle to domestic terrorism, I AM GOING TO DOUSE XXXX Shady XXXX XXXX, XXXX, FL XXXX WITH GASOLINE AND BURN THIS XXXX DOWN. 

Carrington Mortgage has heard my recorded conversations. I have been declared INCOMPETENT with anti-social disorders by the VA, It doesn't matter to me if I get away with it or not. Spare me the legalities of the crime committed. 

I really don't give a XXXX. Don't call me, I will not answer. XXXX you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I first inquired about my credit score XX/XX/XXXX after my 3 day trial which was advertised for free charged my XXXX account for a XXXX and then on the XXXX I was charged {$29.00} for a full month membership. I went through the web page to cancel subscription and thought it was taken care of but I was again charged on XX/XX/23 again for a monthly subscription. I then contacted them by phone to cancel the subscription. I did get it refunded but when I notified XXXX, they are investigating and now are claiming that they are going to deny the charges for XX/XX/23. I live on a fixed income otherwise I wouldnt have signed up for this. I saw that they were going to charge a XXXX. I let it go. I didnt think that I would still be dealing with this again in XXXX. I hope they are under investigation again for fraud. I cant afford to keep contacting XXXX or XXXX to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I noticed a few inquiries on my report that I don't recognize and I called both TransUnion and XXXX to have them verify and/or remove the inquiries. Both bureaus refused to verify and refused to remove the inquiries. 

The inquiries I don't recognize : XXXX XXXX XX/XX/2022 on TransUnion XXXX XX/XX/2022 on XXXX XXXX XXXX XXXX XX/XX/2022 on 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 2022-07-02
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Experian, during the past year, has been the only Credit Reporting Agency, that has accepted XXXX XXXX 's negative reports that XXXX XXXX has submitted since XXXX XX/XX/XXXX in retaliation for my having sought legal assistance against XXXX XXXX fraudulent means of getting me to buy their timeshares. 
Experian has disregarded all the facts that I have provided to them that proves that the reports that XXXX XXXX submitted to them are FALSE or INACCURATE. 
They have concluded all their responses to my disputes by saying the following : " We contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported I believe that they, Experian, must have some sort of arrangement with XXXX XXXX for the purpose of continuing to damage my credit record. I say this, because on XXXX XX/XX/XXXX. Experian reduced my credit score by seven ( 7 ) points when XXXX of my credit cards at XXXX XXXX XXXX billed {$95.00} in annual fees. Experian stated that they were reducing my credit score because I had significantly increased my indebtedness, which was XXXX ( XXXX ), meaning that I did not owe a XXXX to anyone, before XXXX XXXX XXXXXXXX billed me the {$95.00} annual fee. THIS IS THE MOST OUTREGEOUS credit reporting offense that I have seen in my entire life. 
In the attached report, I will show that Experian allowed XXXX XXXX damage my credit record by accepting the following FALSE or INACCURATE reports : o On XXXX XXXX, XXXX XXXX reported that I had three outstanding Loan Accounts with them, instead of two. 
o On XXXX XX/XX/XXXX, XXXX XXXX reported that I was XXXX on Account # XXXX, instead of the actual date, XXXX XX/XX/XXXX, that I was XXXX delinquent on my account o On XXXX XX/XX/XXXX, XXXX XXXX reported the FALSE Payment History of my account # XXXX, that I had paid their installments until XX/XX/XXXX, instead of 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 explanation
Consumer complaint received 2022-06-08
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My wife lied to her Bank XXXX XXXX that payments was falsely made from her account to Barclays Credit Card when we have made payments from her account to my credit card for over 12 months ... Barclay refused to investigate and ignorantly returned the money back to XXXX XXXX without doing an investigation. Now they are trying to collect XXXX from me that I have already paid from my wifes account... 

I told them will give an affidavit and will help file criminal charges against her but they refuse to dispute the matter with 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 2022-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Hello, I called the following Capital One customer support number on XXXX XXXX, XXXX  only to be forced into some bullsh*t medical alert promotion. 

Contact by Phone Customer Service : XXXX ( XXXX ) ( For servicing of existing accounts only ) There was no obvious way to contact support to ask my simple question. I am not sure if the woman who went on and on about this XXXX promotion was a recording or not, but it was NOT the reason for my calling Capital One. 

I used a different phone number for Online banking support : XXXX to actually reach a human. 

Capital One 's practice is outrageous. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 non-monetary relief