BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-04-11
Company: Experian Information Solutions Inc.
State: MD
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 Bank Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
n accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX # XXXX, XXXX Bank # XXXX, XXXX XXXX XXXX XXXX, 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 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 2017-05-24
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I sent a PDF form request with attachment as instructed below to   XXXX   XXXX   XXXX     XXXX   XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , GA  XXXX  requesting my credit history several weeks ago  XXXX   XXXX   XXXX ,   XXXX   ). To date I have not received any confirmation that my request was received by   XXXX   XXXX   XXXX   XXXX   XXXX  !!   EQUIFAX refuses to provide an ONLINE report, they averred : Online Delivery Unavailable, We are not able to deliver your free Equifax Annual Credit Report online.     How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the attached form ( PDF file ), along with the documents described below, and mail them to :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX   XXXX   XXXX , GA  XXXX  Please include with the attached form a copy of  XXXX  item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address.   Identity Social Security card Pay stub with Social Security number  XXXX  Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility  bill ( gas, electric,   water, cable, residential telephone bills ) To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license,  XXXX  forms, etc. ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents.     Why have n't I received a confirmation from   XXXX   XXXX   XXXX   XXXX   XXXX  ? Why does Equifax REFUSE to provide online reports?!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Genesis FS Card Services, Inc.
State: KY
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 have autopay turned on and my on-time payment percentage was decreased from 100 % to 95 % effecting my credit even though the payment was auto-paid as per their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
My social security information was exposed. These three accounts are not mines : XXXX, XXXX, and XXXX. I have attached documents that show I have a new license number and two reports that show where my information was exposed. Someone used my information to oprn these accounts.

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 2022-04-11
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Kia is reporting incorrectly on my report for the last couple of years. I do not owe the company money. They have been reporting this as a repossession and charge off, but fail to provide proof of any information verifying the allegations. They have none of my information correct, stating the vehicle was repossessed at " my address '' that of which has no ties to me and never has. They are reporting someone else 's information and payment issues on my report. Please verify against my personal information.

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 2022-04-11
Company: Experian Information Solutions Inc.
State: TX
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 Acct # XXXX for amount {$1000.00}, 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 explanation
Consumer complaint received 2017-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I  applied for a zero percent apr purchase card with BofA online. My application came back declined because I had a block on my credit. I tried calling numerous times to speak to someone and I could not get anyone to look at my application so I simply dismissed it. A couple of days later I received a call from BofA from an analyst that said if we can call the credit bureau we can get this credit card approved. We called and they approved my credit card. A couple of days later I received the card WITHOUT the promotion of zero percent purchase interest. I have called and spent hours on the phone with them and they said I do n't  qualify for the card with that promotion. If I did n't qualify for the card that I applied for then why was n't this communicated with me at the time of the application or when I spoke to the analyst to verify the product I applied for? If I was approved for another c ard ( one that I never applied for ) then why was n't this told to me in order for me to make a decision on  how to proceed? Instead, I get a card with a high interest rate that I never applied for nor that I wanted. This seems like a misleading practice to offer something to someone and then deliver another product that the customer does not want. I spoke to  XXXX   XXXX  in resolutions who was not able  to help and refused to allow me to speak to someone to file a complaint. I was told a manager would call me back and no one has to this point. I have wasted hours of my time in this and there is still no resolution in sight.

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 2017-01-16
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, Ditech received an refund from my county taxes on XX/XX/2016 and I only received a surplus check of {$120.00}. They are unable to communicate to me why my surplus is n't larger. I did not have a shortage on my account, I 've been current ever since they took my over my loan. I just do n't understand why I did n't get more of a surplus, when there 's a XXXX given to them by the county.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Hello, I keep receiving phone calls and letters from Ditech financial for me to pay a loan I never obtained with them and they do not stop harrassing me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: NV
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:
Account number XXXX with XXXX XXXX XXXX XXXX is reporting as a charge-off on my consumer report. Per the 2021 IRS publication, any cancellation of debt over {$600.00} must be reported as gross income gained in the year that the event occurred. Income should not be reported on a consumer report. I have yet to be sent a 1099-C form for the cancellation of the debt. Delete this account from reports immediately as it is no longer considered debt, it is considered income.

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Account number XXXX with XXXX XXXX XXXX XXXX is reporting as a charge-off on my consumer report. Per the 2021 IRS publication, any cancellation of debt over {$600.00} must be reported as gross income gained in the year that the event occurred. Income should not be reported on a consumer report. I have yet to be sent a 1099-C form for the cancellation of the debt. Delete this account from reports immediately as it is no longer considered debt, it is considered income.

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 2022-04-11
Company: Experian Information Solutions Inc.
State: FL
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-11
Company: EQUIFAX, INC.
State: FL
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: NY
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:
The credit bureaus ( equifax, XXXX, XXXX ) were notified and were given a chance to verify and correct bankruptcy information in my credit report. They responded that the information was provided by XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and was given a report that had no information regarding any bankruptcy. I sent the credit bureaus a copy of the report showing that there was no bankruptcy on my file and they still haven't changed this information. I provided the documentation sent and the updated consumer report for someone to follow up. Please have someone manually review my file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: CONTRACT CALLERS INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2015-05-20
Company: Ditech Financial LLC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I had a mobile home in XXXX - and moved west to XXXX. I had XXXX different people lease purchase and each one progressively destroyed the home more and more. I could not continue managing it and could not afford to fix it so I did voluntarily surrender the mobile home back to Green Tree. This was around XX/XX/2011. After they picked up the trailer a man called me and said I then owed them XXXX dollars and how would I like to pay it. I explained financially there is no way I could pay a lot. I agreed that day to XXXX/month. He told me they would review again in three months. I talked to that same man again three months later. He cautioned me to never miss or be late with a payment and I have not been late or missed since that time. Over the past year Green Tree Collections has become more and more aggressive and I stopped answering their calls. I am called in excess of XXXX times a week often more than XXXX time per day. I live in MT and I am called before XXXX even though I have told them my time zone. The last lady I physically talked to several months ago - asked me " what are your intentions '' I told her I intend to do the same as I have done for four years and continue to make the payment. She told me " well that is not an acceptable arrangement. '' I explained they have accepted it for several years now and continue to accept it. She began yelling at me - I hung up and will no longer answer their calls which are frequent and feel like harassment. 
Additionally I have NEVER received one thing in writing from them - nothing - since the repossession, until I filed a complaint with the credit bureau because Green Tree was not showing up on my credit at all - now it shows as delinquent and in bad standing even though I am paying what I initially agreed to and I will continue to pay what I agreed to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: MD
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 XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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

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 2020-03-25
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 am a victim of identity theft

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 2022-04-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is reporting incorrectly on my report for the last couple of years. I do not owe the company money. They have been reporting this as a repossession and charge off, but fail to provide proof of any information verifying the allegations. They have none of my information correct, stating the vehicle was repossessed at " my address '' that of which has no ties to me and never has. They are reporting someone else 's information and payment issues on my report. Please verify against my personal information.

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 2021-09-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A girl messaged me on XXXX pretending to help with investments said I had to pay fees n I will receive {$5000.00} I ended up paying {$1100.00} in fees and still havent received anything. This person is still messaging me trying to pressure me into paying more fees and that I will get XXXX.

Company response to consumer: Closed with explanation