BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
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:
15 U.S.C 1681 Section 602 A states the right to privacy.

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. 




Account # XXXX Account # XXXX Account # 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 2022-08-02
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:
15 U.S.C 1681 Section 602 A states the right to privacy.

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. 



Account # XXXX Account # XXXX Account # XXXX Account # 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 2022-07-07
Company: Millco Management
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
For some reason, some time on XXXX, I started to received some letters regarding an alleged account with AMERIFINANCIAL SOLUTION XXXX XXXX XXXX XXXX XXXX XXXX, at that time I really did not know what to do and I forgot about it. Unfortunately, earlier this month, after pulled and reviewing my credit report, I found out that account with AMERIFINANCIAL SOLUTION XXXX XXXX XXXX XXXX XXXX XXXX on my credit report, I have not idea of where this collection account is coming from, in other words, I am not the Debtor of this account. So I am requesting to remove it as soon as possible from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: DISCOVER BANK
State: AR
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 call and make my payments to XXXX and pay my balance every month over the automated service system and sometimes a real live agent. 

The XXXX XXXX change hands to XXXX XXXX  XXXX XXXX over 6 months ago. I called the credit card company and talked to a customer service rep to update the banking information with the new banking XXXX information the account number staying the same. 
I made several payments after that date using the automated system and a live agent. 
When I called my payment in XXXX to the automated system the bank account they charged was to XXXX XXXX since to my knowledge it was changed in XXXX. 

Discover credit card is stating its a NSF charge it could not have been charge to that account because the bank account under XXXX is non-existent it would not be allowed to be processed. 

I have called many times and ask for them to refund the NSF because it was there error.. 

There were given permission bank in XXXX to remove the XXXX banking information and added the new banking information to XXXX XXXX XXXX XXXX XXXX. XXXX refuses to refund the {$29.00} fee. 


Im am elderly and I need my money returned immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Flagstar Bank, N.A.
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
During the pandemic, Flagstar Bank allowed us to put our mortgage on hold ( not sure if it is a forbearance or deferment ) because my husband lost his job. I have been trying for at least 8 months to get them to properly process a Partial Claim so we can resume making the mortgage payments. I currently do not have access to my Flagstar online account. I signed and had the initial forms notarized and returned them to Flagstar only to have them send the forms again in XX/XX/2022, but with my husband 's name on some of the pages. They did not include an explanation as to why the forms needed signed with his name. After speaking with several people at Flagstar, I learned that even though he is not on the mortgage, because we live in Minnesota, FHA requires him to be notified of the Partial Claim agreement. We signed and had the forms notarized and returned back to Flagstar only to find there was another issue with the dates and the forms had to be signed again. They sent the forms and did not include my husband 's name. I called them and the woman told me to return them unsigned with a note explaining why. She also said she would issue the new forms and send them. I never received them but continue to receive notices and calls for my past due mortgage. I have called or talked with Flagstar no less than 15 times, asked for my issue to be escalated, asked that my issue to be escalated to the Office of the President of Flagstar ( which they told me was not possible ) and have still not sent me the proper forms. I would like to have had my mortgage refinanced but that is not possible now because the interest rates are a lot higher. Flagstar also told me that I couldn't refinance until 6 payments were made, even though it is listed as one of the options under the Terms of the Partial Claim.

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 2022-12-13
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a long-standing customer with US Bank and have been extremely satisfied with this bank. Unfortunately due to fraudulent activity I had to close one account and open a new one ( fraud department was extremely helpful and I appreciate it ). I submitted my new banking information to my employer to enroll in direct deposit unfortunately that is taking a while. On XX/XX/22 I deposited my paycheck and was informed by a customer service representative that the hold on my check would be released on XX/XX/22. On XX/XX/22 my account is overdrawn, I spoke to another customer service representative who informed me there was a hold placed on my account until XX/XX/22 but that I could speak with the bank manager as they had the authority to lift the hold. On XX/XX/22 I went into the branch and spoke with the bank manager who informed me the hold was placed by the fraud department and he would be unable to lift the hold until XX/XX/22. I have also been attempting to get in contact with the Regional Manager to no avail. Meanwhile my car payment will be returned and I will keep incurring fees until this is resolved. Bills are not understanding, they become due regardless of circumstance. Not only will I keep incurring fees but now my credit will also be affected because of this hold. I missed work today because I do not have money to put gas in my car. I would like this hold removed immediately. 

Sincerely, 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 2021-08-03
Company: Experian Information Solutions Inc.
State: CT
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:
this account does not belong to me. i have no knowledge of this account and have no business with the creditor

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 2022-09-29
Company: EQUIFAX, INC.
State: GA
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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 status incorrect

Complaint:
Paid off my Car loan in XX/XX/XXXX. There was never a payment that was late on XX/XX/XXXX or XX/XX/XXXX. XXXX is incorrectly reporting to experian and I was never 30 days late on any of those payments around that time. I spoke with someone at XXXX and made sure all my payments were good and they confirmed.

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 2022-09-29
Company: WELLS FARGO & COMPANY
State: MO
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:
Hello, my name is XXXX XXXX, and I need your help in contacting this company. I tried to contact them to find out why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. I do not authorize anyone to use my name, date of birth, or any other information as it violates Data Privacy. They need to identify out who opened the account in my name and simply transfer the information to that person. Please assist me in resolving 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 2022-08-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Early in XXXX I was affected XXXX, and it affected me pretty badly, I didn't make any commissions and couldn't meet with any customers while I was ill. 

I contacted by lender and told them if I could put the payment on the back end of the loan since I was unsure when I would be able to work, and I also needed to make sure I had as much money available to me so it was a courtesy I was looking for. 

Last year I was affected by XXXX last XXXX and they moved a payment on back end for me. The rep did not mention to me that I was ineligible to put the payment on back end since it was already done within a 12 month time. She told me I would have a payment that would be due in the following month. I did not receive any notice that my approval was denied for the extension. 

As I recovered and was planning to catch up I received a notification that I received a 30 day late. I contacted XXXX and they stated I would need to dispute it to the credit bureaus depsite the fact that they listened to the recording and they rep wasn't clear that I was denied or approved, and I never received anything from XXXX stating that I wasn't approved. 

The supervisor I contacted stated he was going to put a recommendation to remove the late since I have never been 30 days late before and this was a misunderstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Conn's, Inc.
State: MO
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:
Hello, my name is XXXX XXXX, and I need your help in contacting this company. I tried to contact them to find out why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. I do not authorize anyone to use my name, date of birth, or any other information as it violates Data Privacy. They need to identify out who opened the account in my name and simply transfer the information to that person. Please assist me in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hi, I have been working with Capital One on a fraud account that was opened by my ex fianc in my name. He opened up with account without my permission or knowledge and quickly racked up around {$7000.00} on the card. I found out about it through a credit monitoring account. I have provided Capital One with a police report and also two letters proving that I was not around or able to make charges during the time when most of the charges were made. It not only took extremely long for Capital One to get back to me when I first reported it, they never even sent me an update. I found out the status through pulling my credit report that they were holding me responsible. I then refiled the fraud complaint, provided all of the information around where I was during the time the card was being used but they are still holding me accountable stating that I opened the account. My ex was able to open the account because one of those mail flyers came in the mail and he has all my information plus knows how to sign my name. I did not open this account and will not pay them for this. Their customer service has been ridiculous and has taken almost an entire year to sort through this only to tell me, no they are holding me responsible. I am absolutely disgusted with their lack of investigating and outcome of this. I found out my ex was even having the statements sent to his email so I wouldn't see them! They should have this in their system showing who they were going to, right?? I am a single mother, and I can't afford to pay nearly {$7000.00} for something that I did not do. Capital One needs to take responsibility for sending consumers these old school flyers allowing people to have these accounts opened up by scam artists. These days these shouldn't even be lawful. Fraud is so prevalent that I am shocked these are still used.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Had phone service with XXXX. Cancelled it and returned equipment. Immediately had service with a different carrier. They continued to charge me and I didnt even know. Because I had relocated to another area

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I had a XXXX phone account over 3 years ago. I cancelled service. Turned in all equipment and got service immediately from another carrier. They continued to bill me without me even knowing. I never received a bill or statement due to the fact that I relocated

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 in the amount {$530.00} last reported XX/XX/2022, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A states a consumer reporting agency can not furnish an 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 2022-08-02
Company: EQUIFAX, INC.
State: GA
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 appalled by the ability of the Credit reporting agencies to do nothing, NOTHING AT ALL, to remove the disputed fraudulent items reporting on my XXXX and Equifax Credit reports! Upon receiveing a copy of my updated Credit report from XXXX, I hurriedly compared the updated report to my previous report to see if there are any changes at all. I was disappointed to see no change at all! There were no removal neither correction of the status of the disputed items! I have read enough to understand my rights and under the Fair Credit Reporting Act, the XXXX XXXX XXXX must comply to remove the disputed items that resulted due to identity theft. But in my case, I see here that the Credit Bureaus are negligent of their duty and continued reporting these items without proper verification which is a clear violation of the Federal law FCRA section 605b. Once again, I never received anything neither benefits due to my identity being stolen. I need the disputed items deleted completely from my Credit report! 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX  XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: CA
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 sent out certified letters to all three credit bureaus informing them of my address change but its still showing up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
MIDLAND FUNDING LLC IS A COLLECTION COMPANY TRYING TO COLLECT BY COURT WITH MY NAME BUT SOCIAL SECURITY NUMBER IS INCORRECT, THE ADDRESS IS INCORRECT IT WASN'T ME AND SENT A AGAINST ACTION TO MY EMPLOYE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, 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:
Your Information First name : XXXX name : XXXX XXXX : XXXX XXXX : USAPrimary phone XXXX phone number : Email address : XXXX of XXXX Street address : XXXX XXXX XXXX XXXX XXXX XXXX Number / po box XXXX City : XXXX XXXX : XXXX XXXX have lived at this address XXXX / 2019 Update Details about the identity theft Theft Incident : Other Identity Theft With what company or organization did the identity thief pretend to be you? Name of an organization representative that you spoke to : Organization 's phone number : Organization 's email address : When did you first notice the problem? If you know, estimate any fraudulent XXXX number : Update Add a Theft Details about the person that used your identity First name : Middle name : Last name : Company name ( if applicable ) XXXX Street address ( including apartment info ) : Country : UNITED STATESCity : State : Zip code : Phone number : Email address : Relationship : How did the suspect get your information? 
Do you have any additional information about the suspect? 
Update Additional Information Have you reviewed a copy of your credit report? 
Yes Was any personal information wrong in your credit report? 
When you apply for credit, the lender places an inquiry in your file. Inquiries are listed near the end of your credit report. If you see any inquiries that you didnt initiate, please list them here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have you contacted your local police department? 
NoPolice department : State : Have you requested a fraud alert from one of the three national bureaus ( Equifax, XXXX, XXXX )? 
No Was your personal information exposed in a data breach? If so, you might have access to free insurance or repair services. 
No I have received data breach notices from the following companies : Has a debt collector contacted you about an account that isn't yours? 
No Were there any fraudulent accounts included in your credit report? 
Yes Update Comments about your situation Personal Statement : 700 creditcontra cost. XXXX cards XXXX. XXXX  XXXX XXXX. XXXX. XXXX  XXXX. XXXX XXXXXXXX bank XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Update

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act this creditor has violated my right under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit on a credit 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