BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Ordered a guitar online from XXXX XXXX ( XXXX XXXX XXXX XXXX, Minnesota XXXX ) which never arrived. Company said I had to fill out a police report despite having NO proof of delivery. I disputed with XXXX Visa - and WON the dispute. Yet - they still email AND call me EVERYDAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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: Account status incorrect

Complaint:
I satisfied my account with XXXX / XXXX on XX/XX/2022 through their attorney 's office XXXX XXXX XXXX I have attempted multiple times to get a letter from XXXX / XXXX directly showing my account XXXX a {$0.00} balance or settled in full. I keep getting the run around and my credit has not been updated. This is now affecting the purchasing of my first home which was set to close on XX/XX/2022 and now has been delayed. This is the only item that is keeping me from closing.

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 2016-01-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX XXXX, XXXX, I mailed a letter to Experian asking for them to conduct an investigation on various accounts. I received a letter dated XXXX XXXX, XXXX stating that " If you question the results of our dispute process, then you may want to contact the furnisher of information directly or review the original information in the public record. Please refer to your original personal credit report the furnisher or public records office name, address, and phone number ( if available ). 

According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agency 's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information r the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosed all relevant information regarding the consumer 's dispute, etc. '' *This letter was sent to me however no results to the investigation were ever provided. 
*Using the report # on the letter sent, I was not able to access my credit report. 
*I was unable to access my credit report with the report # or with my personal information. 
*Contacted Experian on XXXX XXXX, XXXX and spoke with XXXX and went over the items that were placed under dispute. Not all items listed on my request were placed under dispute. XXXX stated she could n't see where they had sent out the results of the dispute and could n't find my letter initially. 
*She offered to place the items that were included on my letter that they did n't place under dispute in dispute, and I declined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
I was deceptively charged a fee after receiving a credit report for XXXX dollar. I cancelled the service immediately and Experian did not honor the cancellation. his company was sued before for the same offense and it is at it again. Experian is getting away with deceptive practices and no one is stopping them. I feel that the US government should intervene before many others are being ripped off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
i am making a complaint about a late payment / delinquency reporting on my credit report, on all the XXXX credit agencies. 
the account name is XXXX. svs. they are 100 % sure that the error is not on their end but i am 100 % sure that it was never mu fault and it has been a data entry issue. and i have paid on time. i would greatly appreciate your help in this regards. 
thank 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 2016-07-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
there is a bankruptcy showing on my credit report that should not be there. it was never done, the lawyer which filed it refuses to remove it. I learned about this when I was attempting to get a loan on for a car. it shows a bankruptcy was filed, but it never was, it never went to court and had never began or completed in any way and I need it removed. the lawyer that had filed it will not take any action, when i contacted them all they would do is send me a copy of the initial paperwork and the document stating it was not done. I have copies on my phone but am not able to transfer them onto here to submit.

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 2015-12-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian is reporting inaccurate information on my Credit report and said information does not belong to me. Experian has re-aged the inaccurate information on my credit since 1998 and is in violation of several federal laws. The information does not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I asked the Credit Bureau to please provide me with the written or verbal authorization that I gave to ANY entity to provide Public Record Information to them, if not they are breaking the FCRA law XXXX and those items need to be removed from my credit report. The Credit Bureau sent me a response stating that it had been verified by XXXX XXXX, which is strange because thier is a freeze on my XXXX XXXX report, so that 's a lie. They have yet to send me the validation I requested and it has been over 30 days and a statement of re-investigation has yet to be added to my credit report, which is another law they are breaking.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently obtained a copy of my credit report. There was an unauthorized inquiry made by XXXX XXXX Bank. On XXXX, I wrote to XXXX XXXX Bank asking for proof of the inquiry. To date, XXXX, I have yet to receive a response from them validating said credit inquiry, which has made my FICO score drop!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I 'm displeased with the complete investigation with Experian I have listed inquiries on my credit report that I have no clue why they are on my credit report. I have listed them and attached them to this report. Next, I have item 's on my credit report that was not properly investigated. These collection companies needs to be investigated on why they are even on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: U.S. BANCORP
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We signed up for mortgage forebearance in XX/XX/2020 due to losing job due to pandemic and we were accepted through cares act us bank home mortgage. I only missed three months and having been pay. The three mortgage payments were put as a lump sum at the end of our mortgage but now they are saying we are three months behind and reported it to 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 non-monetary relief
Consumer complaint received 2016-01-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone stole my identity and opened a XXXX account in the XXXX XXXX XX/XX/XXXX for about {$3800.00}. I 've lived in XXXX since XX/XX/XXXX. I 've had XXXX since XX/XX/XXXX. The same phone number for 10 years. Also I 've never lived in XXXX. In XX/XX/XXXX I filed a police report where I live in XXXX stating this account and possibly others is identity theft. A few years back the state of XXXX tax dept was hacked exposing XXXX residents personal info such as social security numbers. I ca n't verify that is the reason of my identify fraud but I assume that 's the only logical explanation. I have the XXXX police report, my XXXX id and the utility bill for my place in XXXX to dispute these charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: MS
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:
XXXX  XXXX is reporting inaccurate information to all three credit bureaus XXXX, XXXX and Equifax. They are reporting that I was late 30 days one time. I was never late on this account. My payment status on my report shows current which means I have never been late. They have not provided any documentation to show proof I have been late on this account. I have asked them to remove this late payment from my account many of time and nothing has been done. I have disputed this information 6 times. Below I have uploaded supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Date sent : XX/XX/2021 To XXXX XXXX and TransUnion Letter of Request to XXXX  included the following information : " Re : Letter to Remove Inaccurate Credit Information I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please supply information on how you have verified this item, investigate and delete from my credit report. 

2. Validate this accounXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item, investigate and delete from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under the Fair Credit Reporting ACT 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. '' XXXX and TransUion did an investigation and came back with the same results reported prior to my request. XXXX  has not yet responded. Sadlly enough, I was impacted by both the XXXX  and XXXX  Data Breach. 

I feel as though my request was completely ignored and treated as frivolous. It is unfortunate that any private agency has the power to inflict damage to a Consumer 's credit rating with such a broken credit reporting and credit scoring system, which is grossly inefficient and life impacting. 

My last resort will be to file for litigation due to the stress this has caused me. I am seeking your support in having this information removed from my credit report immediately. Your assistance is greatly appreciated. 

Sincere Thanks!

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 2022-11-07
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
An unpaid co-pay of {$25.00} was sent from XXXX to Penn Credit Corporation. 

I sent them a check immediately. 

I have a copy of the cancelled check. 

They have continued to mail me threatening notices and made frequent calls to my cell phone. 

I have written to them, including a copy of the cancelled check, to prove that the debt os paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
History : We are currently involved in a residential mortgage situation that began with refinancing both our residential property as well as a rental home with XXXX the fall of XX/XX/XXXX with a three year ARM. In the summer of XX/XX/XXXX XXXX was purchased by XXXX XXXX XXXX and our servicing agent changed. Our payment went to the old servicing agents address and was sent back to us. The new serving agent began adding late payment fees and would not accept our payment, telling us that we were already in the foreclosure process. We felt that we had no choice but to file Chapter XXXX in the spring of XX/XX/XXXX to stop the foreclosure process and protect our home and rental property. We had our case dismissed in the fall in XX/XX/XXXX. When we received our first communication from the servicer after dismissing our case, we realized that the servicer failed to adjust our interest rate on both properties in XX/XX/XXXX, and that the LIBOR index rates had actually gone down which would have significantly decreased our payments prior to our decision to file Chapter XXXX. Had we known this it might have affected our decision. In addition, the servicer failed to adjust our rate every year after that, and again, the rates have fallen each year. After numerous inquiries, the servicer made the first ARM adjustment in XX/XX/XXXX and even that interest rate was calculated incorrectly. We filed a complaint with CFPB in XX/XX/XXXX for our personal residence ( Case # XXXX ) and our rental property ( XXXX, XXXX and XXXX ). The servicer for our residential property admitted to the interest rate calculation error in their response to our CFPB complaint. 

Current Complaint : Shellpoint Mortgage Servicing has not updated our account information reflecting the servicing error they reference in their letter dated XX/XX/XXXX. We are requesting that Shellpoint Mortgage Servicing provide our correct loan balance. 

Thank you for time and consideration.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run 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 non-monetary relief
Consumer complaint received 2017-04-29
Company: AMERICAN HONDA FINANCE CORP
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased and financed a new   XXXX    XXXX   XXXX  in  XXXX  KY and financed it thro ugh Honda Credit. I am aw are a payment is due  XXXX   XXXX  ; I have STILL NOT RECEIVED a statement from Honda ; I called the number on the website and their customer service is not open on Saturdays/Sund  ays. Poor business! I tried to make a payment on the phone, can not make a payment on the phone for you must set up a payment option online. I can not set up a payment option online for I do not have an account number because HONDA has not sent a statement. The dealership can not help ; called them as stated above.
This is an unfair and sloppy business practice. My payment will be late for I must wait until Monday to phone them and spend hours on the phone probably to get through. You would THINK I could set up an account with my social security numb er, phone number, size of underwear for I had to give all that info to get credit and buy their product. BAD BUSINESS!!!! I never even got an email from Honda Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
This is my second compliant. I keep getting stall tactics & alternate methods of not being held accountable. I have sent the credit bureau all the information from my direct dispute with the data furnisher and the CRA has ignored my request to remove items which are being reporting inaccurately, are unverifiable, are incomplete or are untimely. I 've sent them correspondence through CFPB & via certified mail & still they 're claiming they dont have enough information to remove the inaccurate information. I 'm resubmitting my request to have these items removed from my report based on the FCRA. I 'm including everything which demonstrates my timely response & methods used to verify the accounts which they claim to have verified ... The following accounts have not been able to provide me with any information these accounts belong to me nor have I received anything reflected they are reporting correctly : 1. XXXX XXXX XXXX # XXXX Please delete 2. XXXX XXXX # XXXX Please delete 3. XXXX XXXX XXXX # XXXX Please delete I would like them removed 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 2015-09-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting monthly data that includes a delinquency/charge off for XX/XX/2008 for XXXX. That is beyond the 7 yr reporting time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hard inquiries on my credit report that should not be on there are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The data breach really affected me and my XXXX XXXX. I did not apply for a car loan at those places mentioned above for i am not XXXX and have not been XXXX. The incorrect information on my credit report has my XXXX XXXX below where it suppose to be.

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 2022-11-07
Company: Caliber Home Loans, Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act Caliber Home Loans 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 a account without my written instructions.

15 USC 1681a Definitions ; rules of construction- Exclusions- except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 UCS 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation