BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-08
Company: Experian Information Solutions Inc.
State: PA
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:
The XXXX XXXX account has been paid in full and Experian is reporting it as a charge off. Also, Experian has the wrong balance and account number. Please open attachment for your review as I got a letter stating the account is paid in full and is in good standing. 

The correct account number is : XXXX Thanks You

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried many times to place a credit security freeze online at XXXX. I put in all the correct information ( I have no XXXX or XXXX, XXXX, etc after my name ). After entering all the required information correctly, the website reports the folllowing : " Additional Information Required We 're sorry ... we can not process your online request concerning an XXXX  security freeze. To assist us in processing your request please submit in writing the required items outlined below. 

For all security freeze requests please submit the following ID information : your complete name including any suffix ( e.g. XXXX, XXXX, etc. ), complete address, Social Security number and date of birth. 

For the Placement of a security freeze, please provide the above required personal ID information. 

To temporarily lift a security freeze, you must submit all of the following along with the required personal ID information : - 10-digit personal identification number ( PIN ) - Date range ( e.g. XXXX XXXX - XXXX XXXX ) or proper information regarding the third party ( ies ) to receive your credit file ( e.g. XXXX ) To permanently remove a security freeze, you must submit all of the following along with the required personal ID information : - 10-digit personal identification number ( PIN ) - Two ( 2 ) forms of identification ( eg.Pay stub with address and utility bill ) Please return your required personal ID information along with any additionally required information noted above to : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Please include payment by check or major credit card for the appropriate fees. For XXXX, XXXX, XXXX or XXXX XXXX payment, please include your name as it appears on the card, the card number and the expiration date. Please click here for the fees associated with your state 's security freeze. 

We will provide you with written confirmation of the successful completion of your security freeze request. 

To make a security freeze request with the other national consumer credit reporting agencies, please contact XXXX and TransUnion : TransUnion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX Thank you, XXXX XXXXXXXX XXXX XXXX " XXXXn and XXXX allows me to do this on-line. This demand of performing a freeze request by mail is an undue burden and obstacle put in place to deter the consumer from doing what is his/her legal right. XXXX only wants to continue profiting off information about the consumer, to the consumer 's detriment. XXXX can not be trusted with distributing my information securely nor admitting failure to do so in a timely manner to enable me to protect myself from identity theft. 

Why is n't there regulation against this?

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 2023-04-11
Company: Experian Information Solutions Inc.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$64000.00} ; XXXX XXXX XXXX Balance : {$370000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : -.

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 2020-02-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Portfolio Recovery Solutions have repeatedly called my place of employment. Also let our receptionist know that they were attempting to collect a debt from me. I have asked that they not call my cell phone as well, as the agents are extremely rude and aggressive. I don't know how the got my work number, but I asked that they not call again and the agent hung up. Only to call back the next day and once again refuse to state their name or transfer me to a supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-24
Company: Continental Finance Company, LLC
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: Information belongs to someone else

Complaint:
Continental Finance Company pulled my XXXX XXXX credit report on XX/XX/2018 without my authorization or permission. The credit inquiry is fraudulent and unauthorized. I never applied for anything from Continental Finance Company on XX/XX/2018.

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 2017-09-13
Company: EQUIFAX, INC.
State: TX
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:
I requested my free credit report on XXXX for all three agencies. The XXXX loaded fine and I saved it. However, the Equifax report failed to load and the XXXX report did n't load properly in my browser but reloading the page requested the report again. The second time it said my request could not be honored and I had to request it by mail. I called Equifax to order the free annual report but the automated system wanted to charge me since I requested the report online, even though I never received or viewed it. The XXXX website to request a report did not work when I tried to submit documentation for a report by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04
Company: Ad Astra Recovery Services Inc
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unverified account from AD ASTRA RECOVERY SERVICES I had previously disputed this account. I have never done business with AD ASTRA RECOVERY SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AD ASTRA RECOVERY SERVICES provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3.  Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AD ASTRA RECOVERY SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: Exeter Finance Corp.
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: Information belongs to someone else

Complaint:
XXXX XXXX pulled my XXXX XXXX credit report on XX/XX/2018 without my authorization or permission. The credit inquiry is fraudulent and unauthorized. I never applied for an auto loan from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 paid XXXX XXXX in full and they agreed to remove it from my credit report immediately. All other reporting agencies did except Transunion. The company denies derogatory being on the paperwork but trans union still has not fixed it after multiple reports and calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX Request Validation of Bankruptcy From XXXX, XXXX, Experian and Court. 
XXXX Received Validation from XXXX XXXX XXXX  XXXX- received letter stating bankruptcy is accurate. 
XXXX mailed letters to XXXX XXXX XXXX XXXX and Experian Bureaus for removal of Bankruptcy from credit reports with letter from Nevada Court stating did not report. 
Nothing has been done as of yet. 

XXXX  XXXX BANKRUPTCY FILED XXXX BAL {$0.00} XXXX Their original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681l ) and the information must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX Request Validation of Bankruptcy From XXXX, Equifax, XXXX and Court. 
XXXX Received Validation from XXXXXXXX XXXX XXXX  XXXX- received letter stating bankruptcy is accurate. 
XXXX mailed letters to XXXX XXXX XXXX Equifax and XXXX XXXX for removal of Bankruptcy from credit reports with letter from Nevada Court stating did not report.

Nothing has been done as of yet. 

XXXX XXXX BANKRUPTCY FILED XXXX BAL {$0.00} XXXX Their original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681l ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 have a hard inquiry from XXXX XXXX from XX/XX/2020 that is supposed to drop off after 2 years but has not. It should have dropped off this week.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/XXXX In received a notice that my American Express credit car interest rate is increasing to 23.99 %. I have been an American Express credit card customer since XXXX and I have never made a late payment. My XXXX  score as of today is XXXX. I am an elderly veteran of XXXX  years of age. I called American Express today and for 5 hours was never given anyone to speak to regarding this interest rater increase. I believe that this is an abuse of the elderly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: EQUIFAX, INC.
State: NC
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 have account in which do not belong on my report every time I report with Equifax they never remove but has been removed from XXXX and XXXX, they keep saying accounts are mine and they are not, for example they were some accounts with XXXX XXXX XXXX ( 40 Equifax continued say they were mine when the social ended XXXX and mine is XXXX and they were never removed took me two months to get resolved and finally got deletion letter from orifinal creditor because Equifax failed to comply and remove and still has not removed. they have verified true fraud of identity theft and have police reports and packet

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
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. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
3 Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5.Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX Account Number : XXXX Please remove 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 2019-07-29
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had asked Nationstar/Mr Cooper for two years for assistance and was told I was not eligible for any. I put my home on the market and relocated out of state. My home was on the market for a year and the offer we had would make it a short sale. We submitted all paperwork to Mr Cooper in XX/XX/XXXX and received confirmation of receipt. In XX/XX/XXXX I received a letter from Mr Cooper with regard to a modification. I called and stated that a modification was too late and I had asked for one for two years, I want the short sale processed. In XX/XX/XXXX, I received another letter from Mr. Cooper regarding a modification. When I called, I was told that although they received the paperwork for the short sale, my agent/lawyer needed to enter information on line. This was the first we were notified of this. Everything was submitted and they they said we needed updated payoff statements. We sent this and today I received a letter from Mr Cooper offering payment options. I called again, now they state that is more information needed on line. My realtor and lawyer have submitted this information numerous times and each time Mr Cooper fails to process it. I am forced to pay for utilities and an alarm system to keep the property secure. This has been going on for four months, even after Mr Cooper confirming receipt of the short sale paperwork. I can only assume that this is purposeful and willful sabotage of this short sale as I am about to lose my buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Received letter stating that my accounts have been closed due to a fraud warning. I have had these accounts for 5 years and they were closed without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Sterling Credit Corp.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this STERLING CRD was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I had a life insurance check from XXXX XXXX for my husband who is recently deceased. I went into the Wells Fargo Bank at XXXX XXXX XXXX, XXXX, VA XXXX because the check was drawn on Wells Fargo Bank. I asked for the cash or a cashiers check to replace the check drawn on Wells Fargo. Some internal office refused to approve the check to be cashed stating it was a " not to be cashed check ''. Who has ever heard of such a thing? I asked if the check was even good and was told that it was good and did not have a stop payment on it. I had proper identification including name and address verification in as many forms as they needed None of that mattered. I asked if I could open a checking account with Wells Fargo and then I could write a check to get my money and I was told there would be a hold on the funds. When I asked how many days the hold would be they could not give me an answer. 

I did not have any options to get the money from Wells Fargo. IT IS MY MONEY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I am a victim of identity theft. The information which appears on my credit report, does not relate to any transactions that I have made and are related with my current open accounts. The following are the results of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: MD
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 have been disputing the inaccuracy of the Public Record which is being reported within my credit report. Equifax credit file dated XX/XX/XXXX verified through their third party vendor, XXXX that this item has been reported correctly. I was able to obtain a copy of my XXXX report case number XXXX dated XX/XX/XXXX ; their resolution : after a reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your XXXX report. I not understanding, why, this bankrupcty remains in my file after XXXX have REMOVED/DELETED this item. Therefore, this Public RecorXXXX should be DELETED immediately from my credit report.

Company response to consumer: Closed with explanation