BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: MD
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 started sending letters to XXXX XXXX on in XXXX of 2021 regarding a credit item reporting on my credit. Additionally, I have followed up with letters in XXXX and then in XXXX as shown in the receipts. I later followed up with letters to the credit reporting agency with complaints regarding that account. To date, I have not received any follow up or information related to my request. I have attached a copy of the letters as well as the copies of the receipts. No action has been taken to validate this debt and the different bureaus are reporting differing amounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: International Computer Systems, Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My husband worked for he's properties untill XX/XX/XXXX of this year. However when he left one property for another, they added a false collection to our account as " pay back '' for their lost worker ( my husband ). They have no lease or contract that proves any ownership of the debts they claim we owe, nor has a judgement ever been ordered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: OK
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:
Hello I have for the past 2 years tried to correct a problem with Equifax credit services, they have been reporting me as Deceased and not providing me a credit score. I have sent Certified documents to include birth certificate, drivers license and copy of my social security card to prove I am not dead or deceased.They consistently tell me they have all the documents they see the documents but they have not fixed the problem mentioned above and that it is the lender doing this not them The problem I have is they are reporting all my credit accounts, but not giving me a score on a month to month basis they also have addresses that I do not recognize or have not lived at in over 25 years and I want those removed, I respectfully request your assistance in resolving this problem and that Equifax be fined according to the Federal Trade Commision rules and regulations that govern them, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: MD
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 sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: MA
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: Problem getting your free annual credit report

Complaint:
Im not able to receive my credit report, every time I tried it was denied because I dont have a social security number I just have an ITIN number. What I need to do to get my credit report if they arent accepting my ITIN number instead the social.

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 2022-06-21
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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed it from my credit report XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed it 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 non-monetary relief
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2023-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Hello Good day, I am writing to dispute the following items on my credit report. I have circled the items in dispute To remove all XXXXXXXX XXXX  INQUIRIES Off my credit report because it was done fraudulently & this in accurate information on my report thats affecting my score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: SLM CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
XXXX sent an alert Sallie Mae was attempting to obtain personal information. 
I have not applied for any credit cards, loans of any kind ( student, mortgage, car, ) in the last 19 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: NJ
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:
These accounts have a lot of missing information in this account and also I do not have any affiliation to them. I want to these accounts be removed due to multiple reporting violations. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Upgrade, Inc.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Multiple attempts were made to resolve and reason with Upgrade , IncXXXX, most recently on XX/XX/22. They refuse to even respond. 

1 ) Company intentionally provided false information to try to induce a loan. I would have said it may have been more of an inadvertent error. Unfortunately, where the company has utter refused to respond to the issue, take any responsibility, or escalate as requested numerous times, it strongly appears the false information was intentionally given. 

Specifically, the company stated that I could add a memo line or notation on the purpose of the loan for loan paperwork as a way to get me to proceed with applying for a personal loan. Later, when moving to final stages, something seemed amiss, and the company finally admitted they were not going to allow a memo line. I very narrowly avoided taking out a loan that was falsely induced. 

Unfortunately, this caused substantial damage to me. There was no longer time for me to find an alternative provider in time for a deadline. I tried tried with another provider, but they took too long for me to proceed. This caused me to miss a reimbursement opportunity for the loan, and it cost me around {$4000.00} in missed reimbursement opportunity and around {$3500.00} paying for something myself because Upgrade, Inc. lied and such was discovered too late for me to take part in a reimbursement opportunity through my employer. 

2 ) Upgrade , Inc. has repeatedly refused to close my account. There are no active loans etc. They do not have the right to refuse this. And it compromises my personal security to have an account remain open, tied to my email address. They ridiculously sent repeated auto-responses demanding I call them. I gave more than one request/demand in writing. That was sufficient. 

3 ) Upgrade , Inc. refuses to address issues, even fully read requests, or escalate issues. Now, they don't reply and just close support tickets. 

4 ) They continue accessing my credit file without having right or legitimate business interest. They refuse to stop a product to show consumers some type of credit score. They refuse to even respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: FinCo Services Inc DBA Current
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I was out of state from the XXXX to the XXXX of XXXX. All of the fraudulant transactions happened on the XXXX of XXXX and one shortly before that. I'm reporting it to the ftc cause my bank didn't do anything about it. My account was compromised and the individual logged in and change my admins information and transfered my money to that account then too that persons account and then they transfered my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX ; I received a letter from Early Warning stating that a fraudulent account that I had disputed came back as verified after I requested that they do a thorough investigation in the matter. The term " investigate '' according to the FCRA means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information. My rights were violated according to 15 USC 1681 section 602a states I have a right to privacy. In addition, it also states in 15USC 1681 section 604a section 2 that a consumer reporting agency can not furnish an account without my written instructions. The account in question is listed below : XXXX XXXX XXXX account # XXXX acct open date XX/XX/XXXX and account close date XX/XX/XXXX. This account has cause me great emotional stress, because I am unable to open a bank account due to the fraudulent account showing up on the Early Warning consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: TX
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, 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 2022-08-19
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I placed a call to Planet Home Lending , LLC inquiring why our loan is still requiring PMI. We have paid more than 20 % of our loan.I was told to put my request in writing ; which I did on XX/XX/XXXX, XXXX.I was told they would research my question and get back to me. As of today 's date, Friday, XX/XX/XXXX, we have not received an answer. 

On XX/XX/XXXX I received another automated call from Planet Home Lending , LLC requesting I call them again. I returned the call at XXXX and spoke to XXXX, the phone receptionist that answered my call. After XXXX checked our loan 'notes ' I was informed that our loan was paid up and nothing was due until XXXX of XXXX. She said she had no idea why the automated calls continue. 

XX/XX/XXXX we received via USPS our monthly PHL mortgage statement. The statement showed a charge for 'Total Fees and Charges ' amounting to {$300.00}. I called PHL to get a clarification for these fees and charges. Once again I was told they would have to research the fees and charges. Later that day I received an email showing the inspection fee charges dating back to XXXX. These exact fees had previously charged and then reversed ; as it is against the law to charge fees to an FHA mortgage, as well as a mortgage that in forbearance ( due to Hurricane Harvey ). On that day, XX/XX/XXXX, I called PHL to speak to someone about these fees ; spoke with 2 receptionist and never reached the mitigation department ; I was told someone would definitely call me back. 
XX/XX/XXXX I called again requesting to speak to mitigation was on hold and then PHL disconnected my call. 
XX/XX/XXXX I called and specifically asked to speak with XXXX XXXX or XXXX XXXX, our points of contact in XXXX mitigation. I was told they were not available an email will be sent for them to contact me. 
XX/XX/XXXX I called PHL again. I was on hold over 15 minutes while waiting to speak to XXXX XXXX ; I was finally connected to XXXX who said she would email XXXX to call me. 
As in my previous complaints about PHL, they will not speak to me to address my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a Capital One credit card in XXXX of XXXX. I saw an offer online and I applied for the card. Thankfully I was approved. Being that I did this online I set up payments electronically. For some reason after I began to use the card, during the first payment cycle I tried to make a payment online but they denied me access. 

After calling to find out why they said I had to verify my information again. By this time a few cycles had gone by causing late payments. This was never due to not having the funds but simply because I was denied payment. 

The date of the late payments are from XX/XX/XXXX to XX/XX/XXXX. 

Since then I have been granted access to my account and have paid on time ever since. 
To top it off this is the only negative payment history reflecting on my report. I take my payment history very serious. Please help me in requesting a good will adjustment in reversing or removing the late payment history from all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I've been waiting on a claim I submitted since last XXXX. I've been given no information, no provisional credits, and I've had to verify my identity at the actual bank 4 times??? I just found out the claim that was submitted in XXXX was duplicated by the customer service agent of the claims department. So while I'm waiting for that claim to be withdrawn, the agent filed 3 more on my behalf due to the misinformation relating to the other claim. My complaint is on my new claims .I haven't received any provisional credits, and I haven't heard anything. It's been over a year since this whole situation started. I understand there was an order and a fine that was brought on by " the office of the comptroller of currency " and " CFPB '' XX/XX/2022? WHO is enforcing this order since the bank is clearly not complying. Thank you for your help in this matter

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 monetary relief
Consumer complaint received 2022-06-21
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX ( Finance )  XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance )  XX/XX/XXXX XXXX XXXXXXXX ( Finance )  XX/XX/XXXX XXXX XXXXXXXX ( Finance ) XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XXXXXX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance )  XX/XX/XXXX XXXX XXXX XXXX Finance )  XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/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 2 : It also states a consumer reporting agency can not furnish a 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 2022-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capitol One credit card account furnished fraudulent information against my consumer credit report regarding a Canceled and/or Charged Off debt. 

IRS clearly defines canceled and/or Charge Offs as Ordinary and Gross Income which must be filed with Income tax. 

The Capitol One credit card account was canceled and/or charged off around 2017 by the Creditor as written on my consumer credit report but taxable 1099-C Form for canceled debts and charge Offs submission by the Creditor to the IRS has not been verified or proven. Unverifiable accounts must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identify threat I have contact this company to explain and they result in putting this on my credit. I explain I was never even informed about anything then still results in to keep this on my credit.

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