BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-02
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: Problem with personal statement of dispute

Complaint:
Disputes attached XXXX is reporting an alleged open date of XX/XX/XXXX while Experian is reporting an alleged open date as XX/XX/XXXX for the same alleged credit card debt listed on my credit report. The accounts listed on my credit report have not been validated on neither credit bureau behalf. I am requesting proof which includes original documents baring my signature. 

For another account all three credit bureau are listing the alleged debt as a charge off. I've sent a dispute requesting for proof of the original documents baring my signature and received a response stating account has been " updated ''. Also listed on my report is says " unpaid balance reported as loss by credit guarantor ''. The alleged debt has been sold and the credit card company is in violation of laws listed in my dispute attached.

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 2023-04-01
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:
XX/XX/2023 {$8300.00} XXXX XXXX is reporting late payments and false repossession status I didnt give them anything they came and got it from the repair shop there selves

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: DataMax Corporation
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I want to address an issue concerning debt collection related to a debt that I do not owe. In late XX/XX/2023, I contacted the business to dispute charges on my account that were not mine. A representative acknowledged the problem and promised to investigate but failed to follow up. In XX/XX/2023, I learned that the disputed debt has been reported to a credit bureau and sold to another collection agency, now totaling {$810.00}. I'm facing ongoing harassment through email, mail, and phone calls. This situation has adversely affected my finances and creditworthiness even though I tried to be in contact to figure out a resolution to the issue. 

My spouse has also got calls, emails, and now a letters regarding the disputed debt for an account of which I am the main holder. XXXX XXXX XXXX  has incorrectly directed the same letters, calls, and messages to my spouse, falsely claiming that the debt has been sold and non-payment reported to the credit bureaus.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-02
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The problem that I keep facing is with my personal information that is listed to my credit report. Such as name, addresses, and contact information. I have requested that the credit bureaus remove information and they have not do such. I need assistance to updated my credit file to show accurate and complete information.

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 2023-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of 2022, I signed up for debt consolidation with XXXX XXXX and made a settlement of {$480.00} with Bank of America. From XXXX to XXXX, I made payments between $ XXXX {$190.00} and when I left the program. I only had over {$200.00} remaining. Both the settlement agreement and the amount that I ended with are both on my credit report. Only the amount that I ended with after the settlement should be on there.

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 2023-04-02
Company: Experian Information Solutions Inc.
State: DC
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:
The consumer reporting agencies has fail to fulfill their vital role to ensure that my consumer report. is fair and accurate to me as the consumer. I have not given none of these furnishers or consumer reporting agencies MY WRITTEN CONSENT to furnish this information on my consumer report. I have a right to privacy in which are being deprived of at the moment.

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 2023-10-12
Company: EQUIFAX, 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:
I have recently checked my credit report and noticed this account that did not belong to me. In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 had reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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: Was not notified of investigation status or results

Complaint:
Today is XX/XX/2023, and I sent out a letter regarding false and unknown things on my credit report on XX/XX/2023. Over 60 days later, I have not received a response yet from the bureaus regarding my issue. I feel like I am being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted hastily. If the accounts are not deleted, I will file for litigation due to me being ignored for the past 2 months. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-02
Company: Experian Information Solutions 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:
According to my consumer report I received dated ( XX/XX/2023 ) and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) such authority.

Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report and causing mental anguish. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted ( XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME BY : XXXX, EXPERIAN AND 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 2023-11-04
Company: EQUIFAX, INC.
State: MI
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:
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 ( XXXX XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have wrote letter on two different occasions, XX/XX/XXXX  and XX/XX/XXXX  informing the company that they were reporting incorrect names that were not mine and incorrect address that are not mine on my credit report. As of today XX/XX/, I have not received a response acknowledging my request and the incorrect information is still being reported on my credit report. I would like for the incorrect information to be deleted immediately before it causes some hinderance to me.

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXXXXXX Balance : {$270.00}.

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 2023-11-09
Company: Grain Technology, 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:
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 ALL THE ACCOUNT LISTED I HAVE DISPUTED AND ALL THEY HAVE ALL REMAINED ON MY CREDIT REPORT, I HAVE REQUESTED VALIDATION OF THE DEBT AND COPIES OF SIGNED CONTRACT AND NON OF THEM HAVE COMPLIED. THE COMPANIES HAVE EITHER SIMPLY STATED THAT ITS VALID WITHOUT ANY DOCUMENTATION TO PROOF IT. I HAVE ALSO CALLED EACH OF THESE CREDITOR TO LET THEM KNOW IM THE VICTIM OF IDENTITY THEFT WITHOUT ANY HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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:
I submitted my personal statement, fc report, identification card and I identified the accounts that were 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 2023-09-12
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Talked with XXXX from XXXX XXXX. She set up conf call with XXXX at United XXXX. XXXX was to get back with me on XXXX XXXX XXXX. Did not call back. Escrow problem is not solved. Escrow is short over XXXX dollars.. Initial contact date was the XXXX XXXX  XXXX.. United wants to raise payment over XXXX per month, Waiting for reply

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift 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 isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Chime Financial Inc
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
My card, ID & phone was stolen from XXXX XXXX XXXX XXXX while in residence. All my information was in my phone. I contacted CHIME @ XXXX explained that I only have my last 4 digits of the card ( XXXX ), my email. I need a replacement card sent to me at my new nursing facility, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. I have an open case ticket # XXXX with Chime. They will not replace card dispite the many document sent to them. Bottom line is Im confined to a bed with XXXX XXXX XXXX, XXXX XXXX and recently had a XXXX XXXX. I need the replacement card to pay my XXXX home since my SS XXXX is deposited there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
CAPITAL ONE OPEN A ACCOUNT WITH OUT MY AUTHORZATIONS AND I HAVE A FRAUD FREEZE ON MY REPORTS AND SOMEONE OPEN A CREDIT CARD AND MAXED IT OUT AND BLAMING ME CAPITAL ONE 2 late payments {$9100.00} Closed Account info Account name CAPITAL ONE Account number XXXX Original creditor - Company sold - Account type Credit Card Date opened XX/XX/XXXX Open/closed Closed Status Closed. {$610.00} past due as of XXXX XXXX 
Status updated XX/XX/XXXXXXXX  Balance {$9100.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX  Credit limit {$8000.00} Monthly payment {$350.00} Last Payment Date XX/XX/XXXX Past due amount {$610.00} Highest balance {$9100.00} Terms - Responsibility Individual Your statement - Payment history 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 Current / Terms met 30 Past due 30 days 60 Past due 60 days - Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Comments Account closed at credit grantor 's request Account previously in dispute - investigation complete, reported by data furnisher

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Affirm Holdings, Inc
State: FL
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:
XX/XX/2023 a fraudulent account was initiated with AFFIRM INC Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX. Merchants include " XXXX XXXX XXXX' {$1400.00} and XXXX XXXX XXXX  {$500.00}. Balance : {$1400.00} Actions taken include a phone call to AFFIRM in order to flag and/or close account for further investigation. Additional actions include an online dispute with XXXX and XXXX on XX/XX/XXXX. An identity theft report with the Federal Trade Commision ( Report Number : XXXX ) was initiated onXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: OH
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:
The company used my non-public personal information and other private account information without my consent. I never gave the company and expressed written consent or implied consent to obtain, utilize, share, or sell any information belonging to me. The companies actions has caused me a number of damages and injuries to my finances and my personal reputation.

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 2023-07-16
Company: SN SERVICING CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage company bought my mortgage while it was in Covid Forebearence Protection, when the last mortgage company bought my mortgage, I was told before hand it would be added to the end of the Loan. When new mortgage bought the Loan, the informed me that they were the new Mortgage company, and did not have to Honor what the previous mortgage company said what would happen to my loan, because they ( Did not have to Honor previous Covid Forebearence Agreement, that was made between me and them ). The new mortgage company is showing the Loan, 371 Days Delinquent, and are Demanding full payment, or will possibitity start foreclosure on my mortgage and home. I had no choice but to agree to try to start paying them regular monthy payments, even before the agreeed upon forebearence had expired. the new mortgage /collection company is sending me Deliquency Notices , and stating that I may loose my home, after taking monthly payments, but are now saying they require the TOTAL AMOUNT DUE, in the next few days to bring account current, and stop any Foreclosure from being generated against my loan and property.. They are charging me a high rate of Interest currently based on loan being involved in Covid Forbearence, of almost {$14000.00} Dollars, to bring loan current, and contuine to make regular monthly payments, as agreed .. Their records show the account is past due from 2022, while under Covid Forbearence

Company response to consumer: Closed with explanation