BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-05
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I did n't authorize XXXX to check my credit history but they did. I do n't know how they did since I even did n't provide my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am a consumer entitled to consumer protection. Capital One Bank USA has failed to validate their false claim of an alleged debt pursuant to 15 usc 1692g. I have no account with you, nor have I ever. Since you saw fit to place this item on my credit report, you obviously have all the information you need in order to investigate and correct your error. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Be advised that I am NOT requesting a " verification '' that you have my mailing address, I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all telephone collection. I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities XXXX the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. I also hereby reserve my right to take private civil action against you to recover damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The issue is the mortgage company has refused to remove PMI from the loan even though the mortgage balance is below 78 % XXXX as compared to the value when the loan was first obtained.

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 2017-03-07
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have a XXXX address on my personal information that is not mine and I want it removed. I also want the hard inquiries removed they were expose to be soft inquiries not hard I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
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:
A fraudulent account from Schools First Credit Union is reporting on my credit. I did not open this account. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: EQUIFAX, INC.
State: NC
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:
I sent two letters in well over 60 day and nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I settled my Brandsmart Card Account with XXXX XXXX XXXX. The XXXX at the time was {$3000.00} and we settled at {$1200.00} over XXXX monthly payments of {$50.00}. We sent payments monthly from XX/XX/XXXX all the way through XX/XX/XXXX and then in XX/XX/XXXX we received notice that XXXX XXXX could no longer honor the settlement because they no longer had it in their office. This obviously made no sense to me because we had an arrangement in place that was taken care of and then out of nowhere it's no longer in place? That is incredibly unfair! I tried reaching out to XXXX XXXX but they told me they could not do anything and that it was Synchrony Bank 's decision to " recall '' the account.

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 2015-06-17
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Under current federal law, the XXXX credit reporting agencies are suppose to let you review you credit report annually. I have tried for XXXX years and I always get various online replies from the XXXX agencies that they can not process my request or that I have already requested a report. It seems like if you do n't buy their additional credit products they refuse to give the consumer their free credit report as required by law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28
Company: EQUIFAX, 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:
A fraudulent account from XXXX XXXX XXXX XXXX is reporting on my credit. I did not open this account. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Noticed a collection debt from IC SYSTEM COLLECTIONS, I reached to see where this collection come from. I was told from XXXX ( XXXX XXXX XXXX ), and the one is managing the bills is ( XXXX ). 

I reached to them to request information and they said it was their fault because they sent the bill to the wrong address, I paid the bill ( I didn't see!! ) and they said they will fix the issue. 

In the meantime, I disputed the collection from XXXX  and XXXX. 
The XXXX  credit bureau removed it in 2 days. However, XXXX they didn't, and since I'm submitting dispute after dispute to take it off my credit report but I was unsuccessful.

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 2016-01-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Portfolio recovery associates keeps reporting wrong information to my credit report and Experian keeps reporting that wrong information in flagrant violation of the Fair Credit Reporting Act. The XXXX XXXX XXXX account on my credit report needs to be deleted per the consent agreement between the Consumer Financial Protection Bureau and XXXX XXXX XXXX from XX/XX/XXXX. In addition, XXXX XXXX XXXX is reporting an active collections account XX/XX/XXXX and XX/XX/XXXX. This is wrong, there is no open collections account with XXXX XXXX XXXX. XXXX XXXX XXXX is reporting wrong information in flagrant violation of the Fair Credit Reporting Act. XXXX XXXX XXXX is trying to reage the account so that it stays on my credit report longer in flagrant violation of the Fair Credit Reporting Act. Experian keeps reporting the XXXX XXXX XXXX account as an open collections account which is wrong, and it should be deleted as per the consent agreement with the Consumer Financial Protection Bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Cunningham Law Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
We wrote back  to Cunningham l aw inc. that we where disputing a claim.they report this claim to a collection agency in amount of  XXXX  without judgement and without notifying that this claim is being disputed.then we wrote a letter of cease and desist letter to stop the harassment and threats that are still continuing.this has been on going  for three years.this is stemming from a landlord that had no control over serious issues that he wouldnt do anything about we phoned him multiple times after months I wrote him a letter and phoned him multiple times that we  where departing from the premises we where paid in full on departure and kept are security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I sent two letters in well over 60 day and nothing

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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
TransUnion XXXX XXXX XXXX, XXXX, PA XXXX In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXXXXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX 2022

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 2022-09-06
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:
I am filing this complaint because I see that Transunion Privacy Policy states : With your consent. Apart from the reasons identified above, we may request your permission to share your personal information for a specific purpose. We will notify you and request consent before you provide the personal information or before the personal information you have already provided is shared for such purpose. You may revoke your consent at any time. 


**At this time I am revoking consent for Transunion to share, sell or furnish my personal 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 2017-10-05
Company: JPMORGAN CHASE & CO.
State: NE
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:
On XX/XX/XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019 a fraudulent charge was made at a XXXX XXXX store for {$430.00} using my Venture Capital One credit card account information. I was in a meeting when a pop up on my cell phone screen asked if I would authorize this charge.. I declined the charge. Then shortly after another charge was attempted. I called Capital One and cancelled the credit card. Capital One assured me that these charges were not charged and I would not be responsible..due to their policy of " 0 Fraud Liability '' for the cardholder. The charge of {$430.00} appeared on my XXXX card statement and was reversed. On my XXXX statement teh {$430.00} charge reappeared as an " adjusted charge ''. I called Capital One and they said- that because the purchase was made with a chipped card I was responsible for the charge- but if I could get a police report and information from XXXX XXXX they would re-open the case. So, I did get a police report, XXXX XXXX has surveillance of the transaction and a suspect is under investigation. All of this was documented and sent to Capital One Fraud as  requested by certified mail. My most recent call with a supervisor at Capital One confirmed that the case is closed on their end.. that I am responsible for the fraudulent charge and that there is nothing I can do to re-open the case. I feel totally betrayed and scammed by Capital One. How many people do they do this to you? 
How many people pursue them legally ...? Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Mr. Cooper Group Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My mortgage company Union Pacific Mortgage closed their doors abruptly. They turned over payment history to XXXX. I paid Union Pacific Mortgage through their company all the way to XXXX. Then started making payments to Mr. Cooper/ Nation Star in XXXX. I was never behind on my payments. Due to reporting only until XXXX and I making my payments through XXXX, Nation Star reported me as delinquent and I wasn't. 

When I contacted them about the discrepancy, they told me because I was in Bankruptcy my payments are posting late. They told me I wasn't behind it was my bankruptcy. Then they reported me 90 days due when I was not past due. Not only did I have to pay three mortgages I already paid to keep my house over their errors, they are reporting me as derogative on my credit report now XXXX XXXX XXXXXXXX. I haven't been with this company since before the pandemic started in XXXX 

On top of that, Mr.Cooper/Nation Star is listing my debt as discharged due to bankruptcy on XXXX. My home loan was never in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XXXX XXXX  one of the 3 major Credit Reporting agencies leaked the data of XXXX million Americans, including myself. The data breach exposed ( My Name, Birth Date, Address, Phone Number, Social Security Number, as well as my Drivers Licenses number ) As a result of this breach, I have become a victim of identity theft, leaving my credit file tarnished and my overall credit score destroyed. This negligent on XXXX part, will leave my personal information permanently available for access at any time. My name, date of birth and social security number are never changing ; therefore, I am at risk of identity theft at any time. Im a very private person therefore knowing that my personal information is in the hands of The XXXX  XXXX Hacker I will forever have to look over my shoulder, check my credit score for accuracies, and fear of someone using my personal information, this has caused me a lot of mental and emotional stress. Credit reporting laws ensure that your organization report only 100 % accurate information, due to the XXXX XXXX  Security Breach your company is in direct violation of the Fair Credit Reporting Act. XXXX was negligent in allowing my personal data to be breached, I am demanding the incorrect information reported as a result of this breach be removed upon receiving this letter. If you do not immediately remove this inaccurate information from my credit file, my lawyers in filing suit against your company in the State of Alabama Circuit Clerk of XXXX County on XX/XX/XXXX at that time I will seek for Punitive damages, cost for attorneys fees, court cost, as well as compensation for ongoing emotional distress, anxiety, and harassment due to this security breach. 

The following accounts are currently being reported to my Credit Report with Transunion, XXXX, and XXXX. These accounts are a result of the XXXX XXXX  breach. 

1.XXXX XXXX {$440.00} 2.XXXX XXXX {$450.00} 3.XXXX XXXX {$560.00} 4.XXXX XXXX {$300.00} 5.11 XXXX XXXX XXXX {$440.00} 6.01 XXXX {$450.00} 7.12 XXXX XXXX   {$560.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: ACIMA CREDIT, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I entered an installment loan with Acima to purchase tires from a store. I specifically ask for 90 days same as cash and they said when it was close to the end of the contract, they would email me as a reminder. Acima had been drafting funds from my account without an issue when I noticed that I had paid close to the initial {$1000.00} ( amount of purchase ). I called them on the phone to ask why were they still drafting money when the account should be paid in full due to a 90 day same as cash purchase. The representative stated, '' ma'am, your account wasn't placed on a 90 day same as cash account when I specifically ask for that plan. I asked to speak with a supervisor and the representative told me that the supervisor would tell me the same thing. Acima is requesting that I pay them an additional {$1300.00} on top of the {$1000.00} already paid but I refused because I didn't want to pay the interest in the first place is why I chose 90 days same as cash. I have received calls from the company at least 15 times a day to include robo calls and voicemails. I read their reviews and customers are stating when they request 80 days same as cash, they end up with the outrageous finance and interest charges which is absurd. They also claim they emailed me but when the email address was verified, they had the wrong email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: EQUIFAX, 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:
To Whom It May Concern Equifax is listing erroneous and fraudulent information on my credit report. I have written Equifax last year XXXX and again on XX/XX/XXXX and have sent them the original documentation of my Identification and proof of address, that proves the information they have listed in my credit file is fraudulent. 

Fraudulent and erroneous Information listed on my credit report that needs to be removed Erroneous/Fraudulent Account : A. Creditor : XXXX XXXX XXXX/XXXX : Unknown Account I wrote this creditor in XX/XX/XXXX and requested documents, contracts or agreements with my signature showing that I owe them money. They responded stating that there was no account found and requested my social security number and additional information. I did not send this information because we have no contract, and they would have this information. This account had been removed from all 3 credit bureaus and has reappeared.. 

B. Creditor : XXXX XXXX Account Number is Unknown I also wrote twice to this alleged creditor requesting debt validation and an agreement with my signature and they had 30 days each time from receipt of letter to send to me, and they have not responded, but XXXX somehow " verifies '' this item as belonging to me. 


C. Creditor : XXXX XXXX Account Unknown Previously deleted account and re-appeared as XXXX. This is the same organization which could not adequately verify the debt and had been deleted. 



Equifax is not giving me a proper investigation and Equifax is knowingly and willfully placing fraudulent and erroneous information on my credit report. As you know consumers credit reports must be 100 % accurate, my credit report is not and XXXX is purposely violating the FCRA. Please make them remove the fraudulent and erroneous listed above off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Experian Information Solutions Inc.
State: NC
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:
I sent two letters in well over 60 day and nothing

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