BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 5th 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 an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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 2023-05-26
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Barclays Car, have violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2023, I made a payment of {$420.00} to Capital One from my XXXX XXXX checking account. This payment brought my balance to {$0.00}. On XX/XX/2023, ( I have all calls recorded ) I called Capital One customer service, the agent was combative and unwilling to assist me. At the beginning of the call, I asked to speak with a supervisor. The agent began to be combative and tell me everything that was wrong with my account. I then told the agent again my issue was that Capital One took a payment, my balance is XXXX but I have no available credit. This has happened for the past two months, I make eight phone calls until, I get someone to help. Last month, the fraud supervisor was able to tell me what a supervisor has to do. I tried calling Capital One eight times in the space of two days. I got hung up on by two supervisors and three agents. Every month with Capital One, I make two to three payments. They never reflect on my credit report accurately. I also have made payments every month for the past two years and my payments have not been posted in a timely manner to where I have to call and ask when my payments will post. They have been hostile towards me, I am a veteran with XXXX and I need someone to investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, Capital One, XXXX XXXX, XXXX XXXX, have violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-06-23
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Apparently my identity was stolen and someone opened a account with XXXX XXXX XXXX Bank I been trying to explain to Midland Credit Management that I was a victim of identity theft and I have rights regarding this debt, nobody verified the debt with me or anything as of today the debt is not on my credit report but this against the fair credit act and I will be taking legal process if it appears on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX  Balance : {$8300.00}

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 2022-09-26
Company: Experian Information Solutions 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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im speechless. AGAIN, this circumstance is making me sick! Experian and CFPB are impervious to my complaint. I retain sending abundant sets of letters to Experian so the excuse of we didn't get it '' doesn't happen but then nothing occurred. It seems that they are likely to disregard the trend and let these fraudulent accounts affect my credit score. They are destined to obey the FCRA regulation section 605b but I think they are negligent about this matter. I have already done my part by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Experian. Also, I have sent my FTC report and my Police Report to them but still nothing has been altered. They became negligent of the FCRA law and continued reporting this information on my Credit File without Appropriate Authorization or Examination. I am an identity theft victim and I want you to do your part and REMOVE these items that caused me so much stress. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, 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 2015-08-06
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgager is foreclosing on my loan. I have been trying to rectify the problem, directly. 
I 've had no luck in getting any response. A friend suggested I try here before my trial. I have a trial for foreclosure on XXXX XXXX 2015. That is XXXX days from now. Can your help me to get a continuance on the trial. I have, again filled out the paperwork for modification of my loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am missing one of my XXXX XXXX Credit Card account on my Experian Credit Report. My account from XXXX XXXX : XXXX is not reporting on my Experian credit file. The account disappeared off the file about 3 months ago although it is still open. The account has a credit limit of {$2000.00} and this is affecting my credit utilization rate tremendously. I need this problem fixed as soon as possible.

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 2023-06-23
Company: Affirm Holdings, Inc
State: NY
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 filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: IL
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:
The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it.

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-23
Company: Westlake Services, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In early XXXX, Westlake Financial updated their mobile app. This happened early in the month. Ever since, everytime I go to make my payment on the due date, the XXXX each month, they do not accept my payment. When this happens I receive anywhere from $ XXXX {$50.00} worth of late fees. The issue only occurs when paid on my due date, but not when there is a late fee attached to the payment. Speaking on the phone with them, they claim that their system voids my payment because it can not find my bank account, however, they always find it after applying extra fees. 

In XX/XX/XXXX I signed up for Automatic billing payments. After speaking with them on the phone today XX/XX/XXXX they claim that I am not on auto payments. Again clarifying to me that their records are not matching their mobile app. 

My XXXX payment was supposed to be automatically taken out on the XXXX, I checked the app the XXXX, XXXX, and XXXX and it showed it had submitted. They called me the XXXX and stated I was past due. 

I have screen shots from previous months that are time and date stamped on my phone showing that they are erasing payments from the system until I pay extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is part of the Wells Fargo Law Enforcement action law suit, I had an account with wells Fargo during those years and got a small check from them in this law suite XXXX 
I want to know if I will be getting more money? They charged excess NFS fees and then they just closed my account. It was the Wells Fargo Bank located in XXXX Alaska, I do not have a copy of the check, but I'm sure with this law suite they can find it. Now that I have gotten one check I'm sure there is more that will be given out.

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 2023-06-23
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a dispute over a balance on an auto policy with XXXX for {$150.00} last XXXX. I sent them proof of prior coverage and heard nothing until XXXX XXXX XXXX when Credit Collection Services ( CCS ) notified me. I filed the attached response on their website portal and faxed it. I NEVER heard back from this company, leading me to believe it was resolved. 

I contacted XXXX on XX/XX/XXXX to get a quote and move my auto policy back to them and they said they showed a balance outstanding. I paid them and received an email proof of payment from them ( See Attached Receipt ). 

On XX/XX/XXXX, the collection account appeared on one bureau and then as of today, on all three bureaus. I phoned Credit Collection Services on Tuesday and they claim it is closed out in their system and isnt being reported as a collection account. As of today, Friday, it remains and is preventing me from a closing on a loan. 

Additionally, it has NEVER been on my credit files until XX/XX/XXXX. 

Collection Agency Information : Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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:
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 be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: IL
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:
I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address 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 non-monetary relief
Consumer complaint received 2023-06-23
Company: The CMI Group, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDIT MANAGEMENT , LP XXXX XXXX XXXX XXXX TX XXXX To : The Office of Registered Agent for CREDIT MANAGEMENT , LP From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX

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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) All 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 also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 C. ( A ) ( 5 ) States : no consumer r
eporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief