BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: KS
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 am writing to file a formal complaint against Experian, a consumer reporting agency, for violating my rights under the Fair Credit Reporting Act ( FCRA ). I believe Experian has failed to comply with the provisions outlined in 15 U.S.C 1681 section 602 ( A ) and 15 U.S.C 1681 section 604 ( A ) ( 2 ) of the FCRA. 

The account # XXXX Violation of 15 U.S.C 1681 section 602 ( A ) : States I have the right to privacy. Section 602 ( A ) of the FCRA explicitly explains that I have the right to privacy regarding my consumer information. However, Experian 's actions have compromised my privacy in so many ways. This violation undermines the core principles of the FCRA, which aim to protect consumers ' sensitive personal information. They are in violation to the highest degree and this should be addressed. 

Also addressing the violation of 15 U.S.C 1681 section 604 ( A ) ( 2 ) : States a consumer reporting agency can not fornish an account without my written instruction. This has been addressed to them multiple times. The last phone call I was rudely told " this is not the case '' and I was hung up on while trying to explain my situation of identity theft. 
According to section 604 ( A ) ( 2 ) of the FCRA, a consumer reporting agency such as Experian is prohibited from furnishing information about a consumer 's account without the consumer 's written instructions, unless certain exceptions apply. However, Experian has furnished information regarding my XXXX Accounts ( stated above ) without obtaining my written instructions to do so. This unauthorized disclosure of my account information is also a clear violation of the FCRA.

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 2023-05-27
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:
This is my 10th endeavor 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 records 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, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXXXXXX XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on 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 2023-07-06
Company: Continental Finance Company, LLC
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: Personal information incorrect

Complaint:
Dear CELTIC BANK/CONTFINCO, I am writing to dispute certain inaccuracies that are currently appearing on my credit report, which are affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name CELTIC BANK/CONTFINCO Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$500.00} written off. 

Status updated XX/XX/XXXX I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant XXXX and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr Cooper request 30 days of income. I provided XXXX check stubs from my employer ( it was sent in XXXX separate PDFS cause it was a big page and XXXX weekly pay stubs to show a months worth of income. XXXX XXXX [ per send sit back to me saying the information in invalid Also they HOW IS MY PAYMENT MORE IF I COULDNT AFFORD XXXX how can I afford XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I submitted a request for mortgage assistance to my service provider, Selecting Portfolio Services, ( SPS ) for financial hardship that resulted from me being laid off by my employer on XX/XX/XXXX. My husband is our only income provider an his salary is not sufficient to pay the {$1900.00} mortgage and our other expenses. At the time I submitted the application, my account was current had been in good standing since SPS took over our account in XXXX. We used all of our savings and retirement money to keep our current from the time I was laid off up until XX/XX/XXXX. Since I had not found a job I requested mortgage assistance. On XX/XX/XXXX, SPS accepted my complete application. After that SPS started requesting information that was provided in my original application or provided prior to SPS acknowledging receipt of my application on XX/XX/XXXX, which continued to delayed the evaluation of my application for mortgage assistance. By the time SPS reviewed my application, my account was over 120 days past due. On XX/XX/XXXX I received a non-approval letter for all of the loan modification options. Justification given for the denial was the delinquency status of my account. On XX/XX/XXXX, I submitted an appeal to SPS on the basis of improper management of my application that caused undue delays in SPS timely reviewing my application by requesting information that had been provided in my application, such as the hardship affidavit and unemployment status which contributed to the delinquency status of my account and SPS non-approval of the loan modification and I requested that they reverse their decision. Today, XX/XX/XXXX I received a call from SPS indicating that my appeal was denied. Based on the last property evaluation I received from SPS, I have about $ XXXX of equity in my home. I believe SPS deliberated delayed reviewing my application, because of my financial hardship to force us into foreclosure. Requesting that CFPB investigate this matter and hold SPS accountable for failing to process my application in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
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 have called the credit bureaus several times in regards to two late payments that are on my credit reports an to resolve the issue but they refused to help with my claim and look further into the matter. I have sent several letters via certified mail to Synchrony Financial Bank/Amazon including one to the CEO of the corporation. I have two late payments being reported on my credit reports from the year XXXX and XXXX due to illness. However, when I was able enough I continued to make on time payments but they refused to reverse the late payments. This is negatively affecting my credit score and I am currently planning to apply for a mortgage, and this come to my attention that the late payments on my records could hurt my ability to qualify. I would like an investigation conducted on this matter and appreciate a resolution and look forward to the positive outcome.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

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 2023-07-07
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: Their investigation did not fix an error on your report

Complaint:
I reached out to all three credit bureaus : XXXX, Experian, and XXXX an regards to hard inquiries and late payments that reported to my credit report UNAUTHORIZED, NO WRITTEN CONSENT an other words NO CONSENT IS IDENTIFY THEFT. I have sent Federal Trade Commission ( FTC ) Identify Theft report via certified mail an order to track its deliverance to each credit bureau because its vital to me to have these items removed from my credit report. I did follow up calls and was given false information from XXXX that they didnt receive the letter but I have proof from tracking the letter. Experian only removed selected items and XXXX refusing to remove items.

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 2022-12-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX and I am submitting this CFPB complaint to request the removal of the fraudulent accounts I found on my Credit File. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1700.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2023-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
XX/XX/2023 {$340.00} XXXX Billed location I have tried calling to refund on a charge that was paid in CASH, plus the amount is over the price for 1 person in which I have witnesses that were present. I tried calling the company and hotel management. NO RESPONSE or RESOLVING issue. 

Capital One says I provided a lack of requested information and closed my case when I provided fully information and statements. No further assistance or follow up was requested. 

I have called numerous times

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
All of the companies listed below ran my credit without my permission or signature through Transunion. Im a victim of identity fraud. Below is the list and dates these institutions ran my credit : XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX TXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2023-05-27
Company: EQUIFAX, INC.
State: OH
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:
Subject : Formal Complaint - Inaccurate Verification of Debt by Equifax For whomever this may concern, I am writing to file a formal complaint against Equifax regarding the accuracy of their debt verification process, as required by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ). 

Recently, I discovered an erroneous debt on my credit report ( " XXXX, XXXX XXXX XXXX '' as listed with company on my credit report ), which was initially verified by Equifax. However, another reputable credit bureau company subsequently verified this debt as invalid and promptly removed it from my credit report. I must highlight that Equifax verified this debt without providing any substantial information to validate its authenticity. 

The absence of a wet signature or a clear date associated with this debt raises serious concerns about its legitimacy. I would like to bring to your attention several relevant legal cases, such as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Equifax, wherein the respective credit bureau companies were held accountable for their failure to properly validate similar debts. 

According to the FCRA, it is mandated by law for credit bureaus to conduct a reasonable investigation upon receiving a dispute from a consumer. In this particular instance, Equifax has failed to meet this legal obligation, as they neglected to perform a thorough investigation into the disputed debt. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) thoroughly investigate this matter and take appropriate actions to ensure compliance with the FCRA by Equifax. Furthermore, I would appreciate your assistance in rectifying this situation promptly, as the inaccurate reporting of this debt has had a negative impact on my creditworthiness and financial well-being. 

Enclosed with this complaint, you will find copies of all relevant documentation supporting my claim, including the deletion confirmation from the other credit bureau company. 

I trust that the Consumer Financial Protection Bureau will handle this complaint with the utmost seriousness and work towards resolving the issue effectively. I eagerly await your prompt response and a resolution that upholds the principles of fairness and accuracy outlined in the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: CCS Financial Services, Inc.
State: VA
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 parties reporting false information

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My previous student loan servicer ( XXXX ) has turned my student loans over to Dept of EDXXXX. I have disputed inaccurate items on my credit report. However, they are reporting these items as accurate. I have an XXXX XXXX XXXX account on my report with a last report date of XX/XX/23. These actions violates ( FCRA ), 15 U.S.C. 1681

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 2023-07-07
Company: Affirm Holdings, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
in Early XXXX I noticed a unauthorized amount an credit card on my XXXX XXXX which I check weekly. I decided to check My XXXX account and I found 3 personal loans and 2 in correct addresses with several other hard inquires that were not mine XXXX was very helpful clearing up all except the personal loans and one address belonging to the fraudulent account. 
I have talked to Affirm XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX twice now the first time XX/XX/XXXX they stated they would clear it up the second time XX/XX/XXXX they could not find the accounts. Affirm has reported to XXXX that the reported the information has been and the information is accurate so they could not clear my report. 
Opened on XX/XX/XXXX {$2800.00} Balance now {$3000.00} Opened on XX/XX/XXXX {$400.00} Balance now {$440.00} Opened on XX/XX/XXXX {$420.00} Balance now {$460.00} address in question not mine never lived their XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: DISCOVER BANK
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are accounts, dates, and amounts that I do not recognize, nor am I responsible for, nor have I received any money or goods from the creation of these unknown accounts. I AM A VICTIM OF IDENTITY THEFT!!!

Company response to consumer: Closed with explanation