BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-12-05
Company: Kikoff Inc.
State: CA
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 Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX Account name : 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 1681c. ( a ) ( 5 ) Section States : no Complaint De...

consumerfinance.gov In | 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 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: PA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-30
Company: EQUIFAX, INC.
State: LA
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: IL
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:
THIS ACCOUNT HAS VIOLATED MY RIGHTS ( ( XXXX XXXX ) XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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 XXXX years. 

15 U.S.C. 1681XXXX XXXX XXXX XXXX XXXX XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TransUnion is not reporting accurate information for XXXX XXXX and only keeps changing the date opened and reported on the account when it is disputed causing it to remain on my report until XX/XX/XXXX. This account should have been deleted from my report as of XX/XX/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 2023-07-23
Company: Experian Information Solutions Inc.
State: TX
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:
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 XXXX 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 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 2022-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase using my card at XXXX for {$4600.00}. I returned my items back to XXXX and XXXX did not refund me. I then opened a dispute with credit card company because I don't want to pay for something that I never got. I provided all proof showing that I did return the item back to XXXX and they received it. I keep calling CapitalOne and no one is helping me resolve this issue. They keep saying, we will look into it and never get back to me. Please review Case Number : XXXX and provide my money back. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2016 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXXC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2023-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing this statement to provide an account of the interactions and communications with Capital One regarding the validation of a debt, verification of claim, and the provision of a copy of the contract. 

On XX/XX/2023, I initiated contact with Capital One by sending a formal letter in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). In this initial letter, I explicitly requested the following information : I requested a detailed accounting that explains how the debt was calculated, verification of a signed invoice or lawful claim against me, and a copy of the contract that binds both parties. These requests were made in accordance with my legal rights under the FDCPA, and I awaited a response from Capital One to fulfill these obligations. 

Subsequent to my initial communication, I reiterated my requests on XX/XX/2023, in an effort to ensure clarity and proper documentation. 

On XX/XX/2023, Capital One responded to my requests, stating that they were unable to provide a copy of the contract. They explained that the credit card application had been taken over the phone, and as such, no wet ink signature had been collected for the credit card agreement. This response raised concerns, as it failed to provide adequate validation of the debt and did not address the other elements of my request. 

To further address the matter, I requested verification of the debt once more on XX/XX/2023, hoping for a comprehensive and satisfactory response. 

However, on XX/XX/2023, Capital One once again responded, indicating their inability to provide the requested information. 

Throughout this process, my primary goal was to obtain proper validation of the debt, verification of the claim against me, and a copy of the contract that binds both parties. These requests were made to ensure transparency, adherence to the law, and my rights as a consumer under the FDCPA. 

Despite multiple communications and requests, Capital One has not provided the necessary documentation to meet these legal requirements. As such, this situation has not been resolved to my satisfaction, and I remain concerned about the validity of the debt and the lack of transparency in this matter. 

I believe that the actions and practices outlined above may constitute violations of my rights under the FDCPA, and I am committed to seeking a just and lawful resolution to this issue. 

I respectfully request a thorough investigation into these matters and a resolution that aligns with the principles of fairness, transparency, and adherence to the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: Servatus Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/22 around XXXX. I received a call from a man. He introduced himself and stated he was calling form XXXX, He said, I am going to make this quick. I am calling about your account you have with us, I said I am sorry I dont have an account with you he said yes you do I said no I do not have an account with XXXXXXXX XXXX He yelled check your credit report lady and hung up. I then called back, and he answered the phone now irate if you dont have an account then why are you calling and hung up again. I then called back several times to attempt to resolve this but he kept answering the phone and putting me on hold.

So I did check my credit report and to my avail, this company has checked my credit as if I applied for credit with them as a hard inquiry, which means I AUTHORIZED this request which I did not. 

My rights have been violated under the FRCA with these aggressive and outlandish collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX XXXX has collected and shared my personal information. XXXX XXXX XXXX has also unlawfully used identifing numbers such as the SSN whitch is unlawful use of a. Credit card. They do not have my consent to use or disclose any information about the XXXX XXXX XXXX. I have common law copyright and any variation of my name as well as a XXXX XXXX finance statement, hold harmless, indemnity agreement and payment Bond of file in their respective agencies. I am the Authorized Agent for the Corporate Fiction known as XXXX XXXX and withdrawal any and all contracts expressed or implied, presumed and or assumed.

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 2022-09-24
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is with the XXXX XXXX XXXX arm of Comenity Bank. I established an interest-free account to pay-off dental bills. I foolishly failed to see monthly warnings that, if not paid in-full within 18 months, I'd be charged with deferred totaling {$1100.00}. I then discovered that the bank had been already charging me interest for months before that termination-date. I thus am apparently being double-billed for that deferred interest. 

I have written Comenity, but that have failed to respond.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: OH
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:
The Credit Bureaus stated my accounts XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, My D.O.B. is inaccurate, payment dates are inaccurate or missing from XXXX, XXXX, XXXX. A collection that is inaccurate. XXXX violations total is XXXX, between the XXXX accounts. XXXX violation total is XXXX, between the XXXX accounts. Experian total violations total XXXX between the XXXX accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have 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. 

Also, I have yet to receive documents or updated information from said agencies.

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 2022-09-24
Company: EQUIFAX, INC.
State: OH
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:
The Credit Bureaus stated my accounts XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, My D.O.B. is inaccurate, payment dates are inaccurate or missing from XXXX, XXXX, XXXX. A collection that is inaccurate. Equifax violations total is XXXX, between the XXXX accounts. XXXX violation total is XXXX, between the XXXX accounts. Experian total violations total XXXX between the XXXX accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have 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. 

Also, I have yet to receive documents or updated information from said agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Caliber Home Loans, Inc.
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
First mid XXXX I received an email saying my escrow was up about {$450.00} and I would be getting a check. I then called and advised Caliber that I would not want the check and to put back into my escrow account, because my taxes had already gone up due to the fact, I did wish my payment to go up. I was told they do not things like raise and lower payments and I disagreed and advised I would send the check back. I tried over and over to have anybody from that company help and they refused. Then in XXXX I got another email stating my payment was going up {$200.00} a month due to a short fall in my escrow. I called and still no return calls no help. This is the kicker I put {$50.00} in escrow on my XXXX bill knowing another short fall in coming and they placed into principal account instead. When I called no return call again. The person I talked said you are not allowed to add to escrow. They have stolen from missed you my funds and I want this company to be investigated. I called the VA and was advised this is a widespread practice for this company! If they can raise your payments, then they should be able to lower them. Either way to steal money is wrong and by not putting my funds where I ask them to be wrong!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
When I tried to make a purchase on Tuesday, XX/XX/XXXX. Chase bank would not allow me to make the purchase of {$50.00} they then locked my account saying it was fraudulent which it wasn't. I then contacted the bank on multiple occasions since then they have said that I had to submit my ID and Social Security card which I did. But no progress has been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: TN
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 and XXXX Account # XXXX and also XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, TX XXXX has violated my rights. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, TX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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