BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected.

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 2023-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Kohls/Capitol One Account number : XXXX I have disputed this account also called the Collector to ask them to remove this account. It was removed and put back on my report. I did not open this account and was unaware of the CFPB. I just became of aware of the CBPB and this is the reason for this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Radius global solutions is a debt collector I am being charged two accounts that are not mine I am a victim of identity theft. 

XXXX XXXX on XX/XX/XXXX for {$2400.00} reference number # XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX for {$610.00} reference number # 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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 don't recognize this account, I have never applied for this creditor. 
I believe, that someone used my personal information to apply for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We mailed an endorsed insurance claim check along with a personal check of mine to Ally Auto Finance using a United States Priority Mail envelope by cutting out the delivery address from the payment slip of the statement and pasting it on the envelope, then personally dropping it off at the post office and paying additional postage. The tracking number on my receipt is XXXX XXXX XXXX XXXX XXXX XXXX and it shows delivered on XX/XX/XXXX at XXXXXXXX XXXX. On my first call two days ago, the representative stated not receiving such payments and on my second call yesterday the representative stated they received the payments and holding them for unknown reasons. I also received text messages that my payments were not made on time due the XXXX of XXXX. 

insurance check # XXXX in the amount of {$2200.00} personal check # XXXX in the amount of {$350.00}

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 2023-10-24
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX Balance {$500.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX Balance {$140.00} Balance updated XX/XX/ my indentity was stolen from a wallet at airport two years ago with my social security card, birth certificate and identification cards

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 2023-10-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2023-02-10
Company: ZWICKER & ASSOCIATES
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/2022. They were stating they are collecting a debt of {$6100.00} for a creditor called XXXX XXXX. I do not have any debt or collections. I called their office as the letter instructed and the person on the phone asked for my social so I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I would like to have these items removed off my credit report, These negative inquiry items are messing up my report & section law 15Usc of code.It should has to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: DC
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 have Account Review Inquiries being reported on my XXXX credit report They are three unauthorized Account Review Inquiries 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 2023-12-12
Company: Rozlin Financial Group, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was a victim of bag snatching around XX/XX/XXXX all my personal indentification my sss all my cards and my cellphone are inside my purse Good Samaritan called a police and the cops came he do all the reports after that I received all the person used my cards and my identity to call applying credit cards using my name thats so stressful. I thought everything is fine coz I freeze my credit score so that they cant used it but just now XX/XX/XXXX I received a letter from RFGI debt collection they said I owed {$3600.00} from a retail lease from XXXX XXXX XXXX  which I dont know and i didnt do the transaction. I called RFGI to tell them that someone used my identity to buy or lease from 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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with 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 2023-05-08
Company: Experian Information Solutions Inc.
State: MN
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:
The following hard inquiries currently listed on my Experian credit report is all fraudulent, unauthorized, and not my hard inquiries : XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2023 and XXXXXXXX XXXX, XX/XX/2023 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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company is reporting late payments for XXXX and XXXX of 2023 and has failed to provide any verifiable proof within 30 days of my requests to do so. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 b of this title is delivered to the consumer not later than 21 days. I never gave any written instructions to furnish this data which is a violation of 15USC 1681b. They must comply with 15USC SEC 1681li ( a ) and I am gathering all of this information with help from my attorneys for further litigation. I demand said late payments be removed immediately from my consumer 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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX Account # xxxxxxxxxxxx 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
Consumer complaint received 2023-12-15
Company: Zions Debt Holdings
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received notice from Zions Debt Holdings collection company on Saturday, XX/XX/XXXX at XXXX ; Stating owed XXXX XXXX XXXX {$1000.00}. 
during the communication Zions Debt Holdings stated that " collection, late payments, delinquencies, and judgements stay on a credit report 7 years. Bankruptcies stay on for 10years, and account closed stay on for 10 years. Tax liens stay on indefinitely. 
they went on to say that this was not a new collections, even though this was this was the first they contacted me. 


I had a contract with XXXX back in XXXX. I cancelled the contract on XX/XX/XXXX. XXXX closed and cancelled the account in XX/XX/XXXX. 

On XX/XX/XXXX Zions Debt holdings sent me another notice to pay. I called XXXX today XX/XX/XXXX and spoke with a person named XXXX. XXXX informed me that XXXX did not sell this debt to Zions Debt Holdings ; Most of all, they stated they do not sell to their debt to collections agency. 
XXXX advised me not to pay Zions Debt Holdings claim this to be a scam. 

Zions Debt Holdings has since reported me to all the credit bureaus. I disputed XXXX and lost. I was denied a private student loan through XXXX XXXX to attend XXXX on XX/XX/XXXX. 

I am asking you to investigate Zions Debt Holdings and repair my credit by removing their collections on all three credit bureaus. 

Zions Debt Holdings address is XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number XXXX XXXX XXXX XXXX Account number for XXXX is XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-05-18
Company: EQUIFAX, INC.
State: LA
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:
As I investigated my credit report, I found out that some of the informations are erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please correct the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$5300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
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:
My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX 's customer service representative.

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 2023-10-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My mortgage company has incorrectly purchased flood insurance and added it to my escrow account. This has resulted in multiple phone calls trying to get the amount that was charged reversed and refunded. 
I have provided official and sufficient documentation from XXXX stating that I am not located in a flood zone. This was provided to my mortgage company in late XXXX, I received confirmation that they received the documentation, yet they proceeded to charge me flood insurance. 
This has caused my mortgage/escrow payment to increase by almost {$500.00} a month ( {$470.00} to be exact ). And they used money from my escrow account to purchase the initial flood insurance, plus monthly payments ( over an additional {$2000.00} in total ). 
As mentioned earlier, I have called MANY times to get this resolved, each time a customer service rep assures me that this will be taken care of, but the issue still persists. The most recent customer service ticket I made began on XX/XX/2023, after receiving an escrow account analysis which increased my monthly payment ( starting in XXXX ). I opened the ticket and was told that I would receive an update within a week, I called again on XX/XX/2023, the rep then told me I had to wait at most XXXX business days - I escalated this call to a supervisor who told me my ticket status was " pending '' and to call back. I now called again on XX/XX/2023, asked to speak to a supervisor who told me that my status was " pending '' still. There has not been any progress on my ticket even after XXXX business days. Each day that passes without this being resolved is closer to the due date of my " new '' mortgage payments. 
Again, this flood insurance should have never been added/charged to my account and my lender company continues to passively address this issue with no resolution. This is absolutely absurd, there is no reason I should have to pay extra money for the carelessness of my mortgage lender. 

I have also just noticed that they lied on my escrow account stating that my current payment is {$1900.00} when it is actually {$1400.00}. I have circled in my XXXX & XXXX statement my current payments. And provided a copy of the escrow analysis which incorrectly states current payment as {$1900.00} as my current payment. This is another example of their carelessness & just flatly incorrect documentation and processes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Notice To Cease And Desist I refuse to pay XXXX XXXX XXXX, XXXX XXXX XXXX and DEPT OF EDUCATIONXXXX alleged obligations on my credit file because I have not signed a binding contract with the persons listed below. secondly if there is a contact binding me to any person listed below the signature is fraud and was not signed with my own hand. thirdly the persons listed below is reporting unverified information on my credit file with extortionate intentions to blackmail me into paying a alleged debt not owed to them there conduct is a violation of 18 U.S.C 894. Lastly i never gave the persons listed below written permission to use my personal information. the use of my personal identifying information was obtained by Aggravated Identity theft wherefore there conduct is a violation of 18 U.S.C 1028A.

If this credit reporting agency continue to report these accounts you admit to be conspiring to the crime committed by the persons listed below. FTC identity theft affidavit enclosed. 
XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX

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 2022-10-16
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile I identified a discrepancy with an account listed under National Credit Systems and validation was requested by email on XX/XX/XXXX as this was an account I did not recognize and would like more information as to how this could be my debt. I reviewed my credit report again XX/XX/XXXX and the account still reflects on my credit report and I have yet to received any correspondence from the creditor to validate this account as correct.

Company response to consumer: Closed with explanation