BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: NV
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:
There is an unauthorized account from XXXX XXXX XXXX and XXXX XXXX XXXX Ive never had service with either of these companies and on XX/XX/2023 they reported a collection account in my credit report. This account does not belong to me and is unauthorized. There are also unauthorized inquiries from XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX and 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 2022-08-23
Company: DISCOVER BANK
State: OR
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: Problem with personal statement of dispute

Complaint:
My credit limit was lowered from {$13000.00} to {$1500.00} at Discover Bank. {$8500.00} to {$4000.00} at XXXX bank. This caused my XXXX XXXX XXXX to lower l because of the credit utilization increase to 73 %, which in turn raised my Interest rates on the cards. This negative effect was caused by the XXXX agencies. XXXX, XXXX and XXXX. 
My XXXX score was XXXX and dropped down to XXXX overnight.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: MD
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:
I am writing to formally express my deep concern and dissatisfaction regarding the numerous unsuccessful attempts to rectify fraudulent items on my credit report. The purpose of this letter is to register a formal complaint against the persistent presence of fraudulent entries in my credit report. 

I have repeatedly submitted disputes, providing evidence and documentation to support my claim of fraudulent activity on my credit report. Despite my continued efforts, the fraudulent items persist, causing significant distress and compromising my financial reputation. 

The fraudulent items in question includes inaccurate address and inquiries.. I have attached copies of the supporting documents that clearly demonstrate the fraudulent nature of these entries and verify my claim. 

Despite these efforts, the fraudulent items continue to tarnish my credit report, posing a significant threat to my financial well-being. I am particularly concerned about the potential long-term consequences, including but not limited to identity theft and unauthorized financial transactions. 

I urgently request that you conduct a thorough investigation into the fraudulent items on my credit report and take immediate action to remove them. Additionally, I expect a written response detailing the results of your investigation within the statutory timeframe as outlined in the Fair Credit Reporting Act ( FCRA ). 

The persistence of these fraudulent entries not only undermines the integrity of my credit report but also jeopardizes my financial security. I trust that you will prioritize this matter and take the necessary steps to rectify the situation promptly. 

If my concerns are not addressed satisfactorily, I am prepared to explore all available legal remedies to ensure the removal of the fraudulent items and seek compensation for any damages incurred as a result of these inaccuracies. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: In progress
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Accounts were supposed to be in differed status, somehow there was a laps in deferral causing there to be a late payment on my accounts. I have tried reaching out to work on getting the late payments removed as my account has been in good standing for a long time but unable to get help, my student loans have changed providers multiple times it can be hard to keep track of the provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: TX
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 ask Experian, XXXX XXXX, XXXX to take bankruptcy off my credit report and they decline to take it off. Also the private credit ( Experian, XXXX XXXX, XXXX ) reporting agencies are monetizing off my report. I very upset because my credit is effected, my family is suffering with this problem. I stress out and this has made me very depress ... On the United States Bankruptcy Court XXXXXXXX XXXX of Texas does not report information to credit reporting agencies...... So they took my information to monetizing...... .this violated Fair Credit Reporting Act 15 U.S.C 1681 c ( a ) 1 Experian XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-09-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Our business checking account was compromised from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  we set up XXXX XXXX with TD Bank. The bank reimbursed us in XX/XX/XXXX. There was one more attempt in XXXX, but again the bank reimbursed us right away. 

On XX/XX/XXXX I received a call from the XXXX XXXX branch in XXXX, that someone is trying to cash a check for {$28000.00}. An alert came up for them through their system and they called me. I instructed them to not cash the check and to arrest the person trying to deposit it, but the person has already left the building. 

A few hours later, the check was cashed at the XXXX XXXX location. The check didn't even have our business name on it, only the account number matched. I was told we will be reimbursed within 24 hours I have filed complaints with the DA 's office when we were originally compromised and I will update them on the latest development. However, I feel the bank is not doing their due diligence. I am paying for XXXX XXXX  yet the bank keeps on cashing checks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-18
Company: EQUIFAX, 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:
I am submitting to bring to your attention a matter of utmost importance regarding the handling of files associated with an FTC fraud report. It has come to my notice that, despite being sent with an FTC fraud report, files are not being promptly removed. As a victim of identity theft, I am submitting this request for the removal of fraudulent items from my credit file, stemming from the alleged identity theft incident. In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), I wish to emphasize that you are mandated to remove any such items not later than 4 business days after XX/XX/XXXX. This matter has been previously addressed in my earlier correspondence, and I am reiterating it now with another FTC Report, referencing # XXXX. I must express my concern regarding the accuracy of the information provided on these items, as they were unknown to me and have been successfully removed from other bureaus. Consequently, I have reservations about the reporting accuracy shown on the credit report you provided. Below are the specific items that require immediate attention for removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2000.00XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
Company: Rocket Mortgage, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to pay off my mortgage with Rocket Mortgage. I asked for and received a payoff letter. I used their website to make a payment for the payoff amount. Although my payoff was over {$200000.00}, the program allowed a maximum amount of {$90000.00} to be paid. I paid {$90000.00} and was forced to wait 24 hours before being allowed to pay another maximum amount of {$90000.00}. This made balance approximately {$23000.00}. When I attempted to pay the remaining balance, the program only allowed me to pay {$20000.00}. I paid {$20000.00} and waited another 24 hours. The remaining balance was then {$2400.00}. When I attempted to pay the {$2400.00}, the program only allowed me to pay {$2100.00}. I waited another 24 hours and attempted to pay the remaining {$300.00} ( which included the {$25.00} fee for the payoff letter ), but was unable to make a payment at all. Clearly, their algorithm is set to deliberately prevent payoff and earn the company extra interest and accrue additional fees and charges for multiple payoff letters. It appears as though the algorithm is set to allow a maximum amount of XXXX XXXX. This is intentional prevention of paying off loans and forcing the consumer to pay extra interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: WA
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:
Notice of pending litigation seeking relief & Monetary Compensation under FCRA 15 US CODE 1681n Civil liability for willful Noncompliance & 15 US CODE 1681o Civil Liability for Negligent Noncompliance & 15 US CODE 1692k Civil Liability. 15 US CODE 1681c-2 A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT, NOT LATER THAN 4 BUISNESS DAYS AFTER THE DATE OF RECEIPT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Attorney : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Reporting old debts as newer than they are ( re-aging ) and this has been disputed on serval occasion. The status of limitation has been reached and they just reopened the debts on XX/XX/XXXX as new debt and trying to garnish wages. 

Please see the below information : PORTFOLIO RECOVERY Opened XXXX {$380.00} PORTFOLIO RECOVERY Opened XXXX {$470.00} PORTFOLIO RECOVERY Opened XXXX {$2100.00} PORTFOLIO RECOVERY Opened XXXX {$2200.00} PORTFOLIO RECOVERY Last reported XX/XX/XXXX {$380.00} Open balance XXXX XXXX XXXX A Original creditor XXXX OpenedXXXX XXXXXXXX, XXXX ( XXXX yrs, XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2100.00} Open balance XXXX XXXX XXXX Original creditor XXXX OpenedMar XXXX, XXXX ( XXXX yrs, XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor XXXX XXXX XXXX PORTFOLIO RECOVERY Last reported XX/XX/XXXX {$470.00} Open balance XXXX SXXXX XXXX Original creditor XXXX  OpenedApr XXXX, XXXX ( XXXX yrs, XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor XXXX XXXX  XXXX  PORTFOLIO RECOVERY Last reported XX/XX/XXXX {$380.00} Open balance XXXX XXXX XXXX A Original creditor SNAPSHOT OpenedApr XXXX, XXXX ( XXXX yrs, XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor XXXX XXXX XXXX A

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: MD
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 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX  Balance : {$910.00}

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: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 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 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 2023-10-14
Company: Experian Information Solutions Inc.
State: NY
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$280.00} DPT EDXXXX XXXX Balance : {$1500.00} DPT ED/XXXX XXXX Balance : {$2200.00} DPT ED/XXXX XXXX Balance : {$1500.00} DPT ED/XXXX XXXX Balance : {$2200.00}

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 2023-11-21
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received a target credit card in the mail on XX/XX/2023 without my knowledge of this card being opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: NY
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:
FRAUDULENT CREDIT CARD OPENED UNDER IDENTITY THEFT APPLIED ON TO MY CREDIT REPORT BY EXPERIAN THEY HAVE BEEN SENT 5 TIMES THE FRAUD FTC 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 explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX On XX/XX/23 I submitted a ftc report and dispute to Experian, XXXX, XXXX stating that I need to get this removed an alleged account from my consumer report. I have not received a response nor has national credit system complied with my request. this is a violation of 15 U.S Code 1681i ( 6 ) ( A ) and 15 U.S. Code 1681i ( a ) ( 1 )

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 2023-10-31
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account status had not been updated since XXXXXX/XX/2023. Account was paid off in XX/XX/2023. As of XX/XX/2023 account is still not updated as paid in full on credit reports for all three reports. Company is refusing to ensure update takes place.

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 2022-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Under 15 U.S.C 1681i ( 7 ) method of verification, this account is in violation ; it was reported without valid evidence. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Immediate removal of all credit reporting for failure to send the notice of rights to dispute to my correct address. Resurgent capital sent a notices to the wrong addresses. All responses will be used to seek damages if need be in third district small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
Servicer Carrington Mortgage constantly gives Borrower a different company name claiming that they own my mortgage debt. On XX/XX/2023, Carrington claimed that XXXXXXXX XXXX  and Carrington are not the owner of my mortgage debt- it is XXXX. Carrington has been changing their claims of what company owns my mortgage debt to mislead and confuse me in order to force me to turn my property over to Carrington.

Company response to consumer: Closed with explanation