BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: CA
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:
Hello in accordance to the Fair Credit Reporting Act, The accounts listed below have violated my federally protected consumer rights per 15 USC 1681 to privacy and confidentiality, as well 15 USC 1681 b : Permissable purpose, 15 USC 1681 ( 5 ) Charge off violation. 
I have requested that XXXX, Experian and XXXX reinvestigate these accounts : XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX ( XXXX XXXX ) XXXX XXXX Acct # XXXX ( Reinserted onto credit file ) Yet they have stated that everything was accurate and complete. When it still reflects on my credit file the open date, date of last payment, date of last activity as well these account are reported as ( Chargeoff status ) And per FCRA a charge-off and charge-off should be accurately reported as such and all collections activity should cease once the account has been reported as a charge-off.

According to 15USC 1681 section 602 A : I have the right to privacy 15 USC 1681 section 604 A : A consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) : NO consumer reporting agency may make any consumer report containing items of information.Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2023-08-27
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: Account information incorrect

Complaint:
I disputed a student loan that was taken out in my name as a parent loan in XXXX or XXXX of 2021. I Dont recognize the account or the individual who benefitted from the student loan. I was told by the company that the loan was accurate.I believe my identity was stolen to leverage 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
Consumer complaint received 2023-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I started with a XXXX, applied for credit card and my points dropped by XXXX. Then another XXXX points. A few days later I paid off the card and the my points dropped again by XXXX. XXXX is my current XXXX XXXX. Says Between XX/XX/2023 and XX/XX/2023, your credit card account with CAPITAL ONE was removed from your credit report. Since this account is no longer on your credit report, its details won't be factored into your XXXX XXXX. Accounts can sometimes be removed due to things like disputes and reporting errors. I never closed my account or removed it. This is an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Chime Financial Inc
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Family member stole my chime card and book the trip in my name and I asked time to give me my money back that someone stole my card from my phone and time decided the same day not to give me my money back and I talked when an attorney and they said they having a lot of problems with that issue with Chime and to cancel the trip they said they didn't see no problem with the transaction that don't even add up to cancel the trip and give me my money back they denied the claim about the police report for identity theft about this battle and chime will not give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: SC
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
MOHELA assumed control of the student loans. In XXXX when re-payment was set to resume, I received a letter indicating that unbeknownst to me, Mohela had unilaterally decided to place my account in administrative forbearance. I called it took hours to speak to an actual person, and they could not tell me WHY it was placed in forbearance. I asked that it be removed and they complied saying to would be effective within XXXX business days. It was not I called again, representing HOURS of waiting to speak to someone, I was told it had not processed, still given NO insight into why Mohela decided to take it upon themselves to mess up MY account and then take ages to correct the mistake. I made a payment manually to cover the month of XXXX so that i was not HARMED by the interest that would STILL Acrue due to Mohela 's reckless decisions that had NOT been informed by the borrower. Cut to XXXX I received ANOTHER letter about continuing administrative forbearance, I called AGAIN representing more HOURS of time and burden and I was told ( 1 ) it was still not processed when I requested it over a month ago ( 2 ) There was nothing I could do to fix it, so their XXXX up is now MY problem AND IT COSTS ME ADDITIONAL MONEY, ( 3 ) my work to set up auto-debit, and plan to resume payments was for nothing because of THEIR DECISION WITHOUT MY INPUT to put me into forbearance is now requiring HOURS of my time, and runs the risk of costing me money AND delaying my ability to meet the requirements under the XXXX program. This is worse than what the situation it was before, and is actively harming borrowers who are following all of the rules and trying to pay off loans in good faith. This company has recklessly made decisions that were not agreed to by the borrower that effectively CHARGES them more money. I don't know about others but this seems pretty predatory at worst, and harmful negligence at best.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: IL
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 using 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an 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 2023-11-21
Company: Experian Information Solutions Inc.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 explanation
Consumer complaint received 2022-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capital One has closed my checking account, removed my ability to access it online and after 6 months still refuses to return my funds that were still in the account. My account was closed sometime last XXXX  in XXXX. 
Checking Account # XXXX. There should have been {$6800.00} in the account when they closed it and I was told on the phone that a check would be mailed to me upon the account being closed. I have not received my money yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Experian Information Solutions Inc.
State: SC
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 XXXX WAS NOT REMOVED FROM EXPERIAN ... .AFTER SUBMITTING SUPPORTING DOCUMENTATION ... IT WAS REMOVED FROM THE OTHER BUREAUS AS REQUESTED. ALSO THE CREDIT CARD BALANCE FOR THE XXXX XXXX XXXX CREDIT ACCOUNT WAS NOT UPDATED AS REQUESTED AND IT IS BEYOND THE 30 DAYS FOR THIS INFORMATION TO BE UPDATED. PLEASE SEE SUPPORTING DOCUMENTS TO UPDATE CREDIT 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 non-monetary relief
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 1. The following inquiry is more than two years old and I would like it removed XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

3. The following inquiry is more than two years old and I would like it removed XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

4. The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

5. This account has never been late. 
XXXX, XXXX. 
Account Number : XXXXXXXX  Please correct/update this inaccurate information on my credit report. 

6. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX 
Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 




However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
( ORIGINAL COMPLAINT ) XXXX XXXX XXXX : Account # XXXX. XXXX XXXX XXXX engaged in deceptive practices when I deposited money to make a credit card payment into their financial institution and received a receipt. XXXX however, decided despite the payment receipt and me depositing the money for the purpose of the credit card payment, that they would apply this payment to another account. This in turned caused a late payment on this account. In subsequent phone conversations, XXXX representatives assured me that this would be corrected. It has not, and as such, I am demanding that this missed payment be removed. I have attached a bank statement showing the deposit made into the account. The day after a deposit was made to the cc, the financial institution transferred the money to two separate loans. NONE of the accounts were more than 30 days. The institution caused the late payment. I have attached both my bank & credit card statements ( highlighted ) with the deposit made & paid. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( FOLLOW-UP ) The company has not corrected the issues to date, even after sending a letter stating that they would. I have called for months to no avail. The responsible department does not call or follow-up. The representatives state that the department only responds to emails and does not take calls. Well, they do not return internal email requests or calls either. This is an unfair practice to consumers! This negatively impacts consumer credit reports and time. I am attaching the letter received from the credit union. I would like my report to be corrected and XXXX investigated for deceptive practices and for violations of federal law. Regulatory action should be taken against them! XX/XX/2022 spoke with XXXX XXXX, she stated that she is filing a complaint and submitting to her supervisor, but nothing is done!

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 2022-06-23
Company: Genesis FS Card Services, Inc.
State: TX
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 an account using my ITIN number. I was approved. For some reason, they messed up and register another number that is not mine. I try to register online to access my account and make payments but I can't because my ITIN number is not the one they used so they do not match. I have been calling them for almost 2 months but they still can not fix my ITIN. I've sent my documentation several times, first via mail, then fax ( like 8 times ). After talking to them many times to fix this issue, finally they told me I need to send my ITIN card, which I don't have because this doesn't exist. IRS doesn't issue ITIN cards anymore since 2004, they just issue letters with the ITIN number on them. That's what I sent but they don't hear anything I say and they don't care about it, they are just asking for a card that doesn't even exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I recently checked my credit report and saw accounts reporting things I do not recognize.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: FL
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 have mailed letters with documentation ( includingXX/XX/XXXX Bankruptcy discharge order ) in the past few months to update information on my credit report with Clarity Services. On XX/XX/XXXX I mailed dispute forms, a letter from a creditor, XX/XX/XXXX XXXX Bankruptcy, petition and the schedules with the debts listed. I received a report on XX/XX/XXXX in the mail with only a few of the accounts being removed or updated on the report. I understand that some of these creditor may no longer be in business however, perXX/XX/XXXXbankruptcy discharge order all debts owed at the time of the petition filing date of XX/XX/XXXX is discharged unless their is a reaffirmation agreement. Personal loans, installment loans, payday loans, and credit cards are not securred loans and are not allowed to be reaffirmed.

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 2022-09-29
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I have submitted information to the three credit reporting agencies regarding the balances on the following account and they have not updated as of yet and are being negligent. 

XXXX XXXX XXXX Account ending in XXXX confirmed balance of {$520.00} with a credit limit of XXXX. 

Loan Account Number XXXX original amount of the loan was XXXX and the remaining balance of the loan as of XXXX is {$50.00} to be reporting Loan Account Number XXXX original amount of the loan was {$25000.00} and the remaining balance of the loan as of XXXX is {$50.00}. 

I attached documented proof and I want the accounts updated effective 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 2023-05-11
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX Opened XX/XX/2013 Balance {$0.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Company response to consumer: Closed with explanation