BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-31
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: Information belongs to someone else

Complaint:
See attached documents, also persuant 15 usc 1666 Late payments should not be reported so I am also requesting late payments be removed 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 non-monetary relief
Consumer complaint received 2022-07-31
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have been disputing my address multiple times and they say the remove it and come and it's still there. My address is XXXX XXXX XXXX XXXX XXXX XXXX, ny XXXX. Experian has proof of this information. All does other address according to USPS AND REAL ESTATE DATA DOES NOT EXIST OR NOT VALID. IF A CORRESPONDANCE WAS SENT TO THis OTHER WRONG ADDRESSES I WILL NEVER GET MY MAIL. 
Remove the addresses immediately. I am super tired of disputing this.

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 2022-12-08
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Last XXXX ( XXXX ) my American Express credit card limit suddenly and unexpectedly lowered from {$7500.00} to {$970.00}. When I called about the error they said it was because I had a " missed payment on another account '' which couldn't be the reason because I hadn't had a missed payment since XXXX - and the account with the missed payment was paid off and closed. They told me I could try and increase my limit again in the future, and it's been a year now and I'm still not able to. There is no longer an option for me to request a credit limit increase. 
I worked so hard to build my credit and address any mistakes when I was younger and this really hit my credit score hard and seemed completely unjustified since there hadn't been a change to my credit in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My complaint sent XX/XX/28 was me very frustrated after learning that the issue I had with Flagstar was allowed to be closed because Flagstar made the changes to my mortgage agreement and had a lawyer sign an affidavit to get around my signature ... Flagstar NEVER told me the issue with the contract and decided to change it without my consent because I kept asking them to send me a letter explaining the issue so I could take it to a lawyer and they REFUSED for months of my requests to do this and so I contacted you because you need to actually help not just let Flagstar tell you lies... I am XXXX XXXXXXXX and can not make decisions over the phone by myself... I need it in writing so I can get legal advice and they denied me that which is a violation of the Americans with disabilities act and I am going to pursue charges for them acting on my behalf to change my mortgage without me involved

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 2022-07-31
Company: Experian Information Solutions 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:
accordance with the Fair Credit Reporting act XXXX XXXXXXXX Bankruptcy Acct 1831386, 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 accordance with the Fair Credit Reporting act 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

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 2022-09-27
Company: EQUIFAX, 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:
To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I owned a rental property that was sold in XX/XX/2021. 
It was managed by a management company. 
The buyer, per our agreement, was to switch over utilities when they bought the property, I didn't immediately turn it off because people were living there. 
As you will see in the documents the buyer never switched over accounts on XX/XX/2021 and I continually got billed into XXXX. 
The management company which handled all the bills never notified me. 
So i never knew about any of the bills or anything until i checked my credit score and saw I owed {$9000.00}. 
Eventhough the bills didn't belong to me I paid off all of the bills and centerpoint whole.

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 2022-07-31
Company: John C. Heath, Attorney at Law, PLLC
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I utilized Lexington Law Firm for credit repair services from XX/XX/XXXX to XX/XX/XXXX. During this time it was expected that they remove all negative credit factors from my account. They failed to do so to a satisfactory degree. 

The company violated the Dodd-Frank Wall Street Reform and Consumer Financial Protection Acts prohibition on deceptive acts and practices in the marketing and promotion of its services. The company also allegedly violated the Telemarketing Sales Rule by charging illegal advance fees and making deceptive statements. 

Under the law collecting fees for credit repair services is illegitimate until certain conditions are met around the delivery of services. The company charged a variety of fees for its services before demonstrating that the promised results had been achieved as required by law. Specifically, the company charged initial fees and also charged set-up fees totaling hundreds of dollars in monthly fees. 

Additionally by the law, the company misrepresented that its credit repair services would, or likely would, result in the removal of negative entries on consumers credit reports. The company also misrepresented to customers that its credit repair services would, or likely would, result in a substantial increase to consumers credit scores. The company lacked a reasonable basis for making these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have made repeated ( at least five times in the past 5 years ) requests for the incorrectly reported public record to be investigated and removed. Each time, Experian fails to investigate how the incorrectly reported public record was filed and refuses to both review the letter I provided to them from the court in question, and to provide the method they used to verify the inaccurate record. Specifically, Experian had responded claiming that the entry was placed AND verified by the Court, which is patently false given that the letter from the very same Court clearly states that they did not at any time provide or verify this information. Given that Experian has failed to actually verify the record, at minimum they should have provided the details of how ( the method ) they used to supposedly verify the information. Because they failed to actually do any of this, Experian simply claims the information is verified and to contact the Court with questions ( again, which I did, and received a response in writing that refutes the lies made by Experian ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: PA
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:
PLEASE FIND INCLUDED MY COMPLAINT WITH XXXX XXXX XXXX XXXX IN REGARD TO A FALSE DEBT REPORTING ON MY CREDIT PROFILE. THEY HAVE REQUESTED DELETION AND IM CONFIRMING WITH PROOF THAT THIS ACCOUNT IS TO BE DELETED IMMEDIATELY. YOU ARE IN VIOLATION OF 15 U.S. Code 1681c2 REPORTING INFORMATION THAT RESULTED FROM IDENITY THEFT. IF THIS DEBT IS NOT BLOCKED & DELETED, I WILL SUE THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
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: Investigation took more than 30 days

Complaint:
Back on XX/XX/23 I sent a letter to experian to dispute some items on my credit that i did not agreee with. i have yet to receive any information that my dispute has been processed and this is the second time they have ignored my request.

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 2023-10-06
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian lowered my credit report by XXXX points in XXXX and is unable to explain why this happened. The other XXXX agencies raised my score by XXXX points because I paid off a {$10000.00} credit card. I have NO late payments, NO new debt, there is absolutely NO reason for this and they will not, can not explain why they did it. They advised I get outside help so I am contacting this agency and a lawyer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: FL
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
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: Information belongs to someone else

Complaint:
IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED CREDIT CARDS, AND COLLECTION ACCOUNTS AS WELL AS ADDRESSES, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 non-monetary relief
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: SC
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:
Over the past few months I have noticed several accounts that I do not recognize reporting to my consumer report. Ive reported this issue to all 3 of the credit bureaus more than twice and no action has been taken.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: TN
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 did not authorize this on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-12-01
Company: Experian Information Solutions Inc.
State: CA
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reached out to all 3 of the credit bureaus and they have given me the run around I have sent in my FTC report in months ago here are the accounts and inquires that need to be removed Immediately. 

Account Name and Account Number 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 2022-09-27
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
I disputed a 30 day late payment with XXXX XXXX XXXX now XXXXXXXX XXXX through Experian. The bank took too long to respond so Experian deleted my almost XXXX of history of auto loan payments resulting in XXXX points decline. XXXX Bank has made numerous attempts to reinstate my loan history to no avail. It has impacted my ability to apply for credit etc because XXXX points is significant. I would simply like Experian to add back my auto loan.

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 2022-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2022, I sent a letter of rescission along with my affidavit of truth, cease & desist, bill of particulars and power of attorney revocation to President XXXX XXXX of CAPITAL ONE AUTO FINANCE located at XXXX XXXX XXXX, XXXX, TX XXXX. I purchased my vehicle from XXXX XXXX XXXX in XXXX XXXX, LA on XX/XX/2022 and there was nothing in my contract stating the right to rescind. According to 12 CFR Part 1026.23 Right of rescission, within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction. Because 15 U.S.C. 1635, and Regulation Z, 12 C.F.R. 1026.23 were clearly violated I would like to file a complaint because Capital One Auto Finance did zero out my balance, provide my car title in my name and taking their name off, make all credit reports state paid and full as agreed, and did not return my down payment within the 20 calendar days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: EQUIFAX, 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:
accordance with the Fair Credit Reporting act XXXX XXXXXXXX Bankruptcy Acct 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 accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Venmo has frozen my account, I have {$340.00} dollars in there, I filed several complaints with them and even chatted online, they say they are super busy and looking into it. This has all started on XXXXthey keep giving me the run around and dont even say why it is frozen. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: M&T BANK CORPORATION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I sent a principle only payment to M & T bank, the check and form were both marked " For Principle only ''. M & T bank then processed as a regular payment ( On XX/XX/22 ) and the full amount was not applied to principle.I called M & T bank to rectify the issue, after over an hour on the phone they told me that they would not correct, i explained to them that they were mis-applying the funds and that per banking regulations they had to apply as instructed by the customer. They told me that if i wanted to pay principle i would have to do it prior to the due date for the current payment which was not past due and refused to make the correction, I have never miseed or made a late house payment in my life. I can provide banking all banking information as well. 

Thank You, 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