BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 16 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX PL A XXXX XXXX, FL 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 2022-06-28
Company: Informative Research
State: AL
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:
Every time I try to delete hard inquiries on my XXXX report they come back the next few hours and say that the inquiries will remain on my credit report, they are not investigating the inquiries. The inquiries that I did not approve. I never approved of these inquiries. On my credit reports, there is a block/freeze on all three reports. These companies manage to get into my credit report without my prior approval. I was never contacted by either of these companies to check my credit. This is identity theft. XXXX and XXXX notified me of the dark web that shows all of my information out there. Even some of my children 's information is out there alone with mine. Most information out there is false and I did not give these companies my approval to check my credit. I am a victim of identity theft. My name is out there on the dark web and my social security number but some of the addresses are different and some other information out there is incorrect. Most importantly my name and birthday are out there and that's the main source. I did not give these companies my permission to check my credit. My credit has a block/freeze on them and no one contacted me to open up my credit files, they just went in and check my credit without prior approval from me. this is identity theft. I never gave them permission to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage offered a Forebearance via their website for XX/XX/2022. We chose it. On the website it indicated that Carrington would contact us with next steps. Carrington Mortgage did not follow through. I then received a notice of pre-forclusure. 

I contacted Carrington in XXXX and the agent apologized. We established the payment plan for the next XXXX months. {$3800.00} + {$1200.00}. The {$1.00}, XXXX would be applied towards the XXXX Forebearance amount the next XXXX payments. Carrington Mortgage did not honor the agreement. They applied {$3800.00} to XXXX and {$1200.00} to XXXX and reported a XXXX day late to credit reporting bureaus. They have been unwilling to correct the issue. I have tried.to make payment per the agreement online and via their app. I am not allowed. I must call in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: T.S. Holdings
State: TX
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:
This company has reported false information on my credit report and is risking my credit worthiness. This debt i have no knowledge of and the company has tarnished my credit worthiness. I demand these fraudulent accounts to be removed or further action will be taken.This company is penalizing individuals as myself that have nothing to do with there negative tactics of accusing consumers of debt THAT I DO NOT OWN .Other complaints have been filed and i will continue to press forward reporting this awful company!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: NC
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:
I received a copy of my credit report and found the following item ( s ) to be in error. You also do not have any permissible pupose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : 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 2020-08-18
Company: GUARANTEED RATE INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Specialist id # XXXX Covid19 XXXX XXXX   XXXX I don't think I have ever received worse service and customer service from a company in my entire 38 years of life. After being approved for forbearance from GuaranteedRate/XXXX   XXXX/XXXX  due to Covid19, waiting 45 days with no response to move payments to end of loan, then making a payment, getting several conflicting answers and then being put back on forbearance, loan has now erroneously and illegally in direct violation of the CARES ACT been reported by that company to the Credit Bureaus as delinquent as of XX/XX/2020. At this point I must conclude this unfathomable incompetence on their part is gross negligence with intent to defraud your customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX Has violat

ed my rights15 U.S.C 1681 Section 620 A : States I have a 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 instruction

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 2022-11-30
Company: Caliber Home Loans, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Caliber home loans ( XXXX ) &. XXXX XXXX ( Trustee ) they have Overcharged in the Foreclosure sale. 

my loan number is : XXXX As to the last Statement shows total amount due and owed was : {>= $1,000,000} BUT, the house was foreclosed at : {>= $1,000,000} Caliber home loans OVERCHARGED me for : {>= $1,000,000} By law they couldn't charge late fee over {$1500.00} and NO Attorney fees I should receive back the OVERCHARGED AMOUNT. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
Kohl 's Department Store/Capone Collections Subject : Cease and Desist Unauthorized Debt Collection Activities Dear Sir/M, I am writing this letter to formally demand that you immediately cease and desist all debt activities pertaining to this account with Kohl 's Department Store/Capone Collections. It has come to my attention that you have been engaging in unauthorized and unfair practices, which amount to a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Firstly, I dispute the existence and validity of the alleged debt you are attempting to collect. I have not entered into any contractual agreement with your company.

Furthermore, your collection tactics have been persistently harassing and intimidating, which is unacceptable and unlawful. I have received numerous phone calls and letters from your company, often containing false and misleading information designed to pressure me into paying a debt I do not owe. These actions are in direct violation of the FDCPA, specifically Section 806 ( 5 ), which prohibits the use of false representations or deceptive means to collect a debt.

I hereby request that you immediately adhere to the following demands : 1. Cease and desist all debt collection activities related to my account, including phone calls, letters, and any other form of communication deemed as harassment.

2. Remove any negative credit reporting associated with this alleged debt from all credit reporting agencies, within 15 calendar days of receiving this letter.

3. Provide me with written confirmation, within 10 calendar days of receiving this letter, stating that you will cease all collection activities and that you will not initiate any future contact in relation to this matter, unless it is to provide documentary evidence requested to validate the debt.

4. Retain and preserve all documentation related to my account, including call recordings and correspondence, as I may pursue legal action should my rights continue to be violated. 

Failure to comply with my demands within the specified timeframes will leave me with no choice but to pursue all available legal avenues to protect my rights and seek damages for the harassment endured. I will not hesitate to file complaints with the appropriate regulatory authorities, including but not limited to the Federal Trade Commission and the Consumer Financial Protection Bureau. 

Please be aware that a copy of this cease and desist letter will be kept on file for future reference. I advise you to forward this letter to your legal department and take immediate action to rectify this matter. Your prompt attention to this issue is expected and appreciated. 

I trust that you will comply with my demands and rectify this situation promptly. Thank you for your immediate attention to this matter. 

I don't have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: LEXISNEXIS
State: CA
Product: Credit reporting 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 requested my report, in the mail i received notification they didnt have it or could not verify me, i contacted them on XX/XX/30 and was able to get my identity verified They sent me a letter with a link to my report which i could not access, i contacted support via email, they tell me to call, i can not get through to a live individual I contact them via email and ask for a supervisor, they refuse to comply and thus have not provided me with the report i have asked for They replied to case XXXX and essentially sent the same thing that they did before, i complied with their requests, they did authenticate me and sent me my file link but the link did not work, now all of a sudden they cant authenticate me again and want me to go through their lengthy procedure that originally failed I got a voicemail from XXXX XXXX on XX/XX/30 XXXX XXXX i returned her call on XX/XX/30 at XXXX to which i left a voicemail and to this date i have not had my call returned, i am providing screenshots showing that i did indeed call and that the call time was 23 sec which is enough time to leave a proper voicemail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: ASTA FUNDING INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My bank account became frozen on XXXX XXXX suddenly and i got noticed from my bank that my bank account is restrained by debt collection judgement .After couple days i got letter from the debt collector agency XXXX XXXX XXXX XXXX XXXX XXXX Showing Palisade Collection llc has a court judgement order given on XXXX XXXX. I am confused after such a long period they can still sue for the debt where its like time barred or expired statue of limitation.

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 2023-09-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023, I deposited a check for {$16000.00}. While trying to transfer funds from my savings account to my checking account, I realized that I wasn't able to do so. I called Chase and they explained to me that they have restricted my accounts because they have to verify the check. They threatened to close my account if the checks are not verified in 10 business days. I have done everything in my power to provide Chase with the necessary contact information for verifying the checks from the issuer. However, I must emphasize that the issuer in question is a large corporation, making it nearly impossible for me to establish direct contact with the individual responsible for issuing the check. On XX/XX/2023, my check for {$16000.00} was cleared, but my account remains unjustifiably restricted. This ongoing restriction has left me without access to my own funds, hindering my ability to meet financial commitments. If the check has already been cleared, the excessive demand for additional verification to confirm its legitimacy appears unwarranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Account XXXX  Account number ******************* Amount {$2600.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX  number XXXX Amount {$11000.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX number XXXX Amount {$1300.00} DAte XXXX This is not my account this account was fraudulently opened in my name XXXX Account XXXX ******************* Amount {$2600.00}. 
Date XXXX This is not my account this account was fraudulently opened in my name Collection Account Account Number XXXX Amount {$3500.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX number XXXX Amount {$920.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX Account XXXX XXXX Amount {$2000.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX  XXXX Account Number XXXX Amount {$2400.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX Account XXXX Amount {$100.00} DAte XXXX This is not my account this account was fraudulently opened in my name

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 2022-06-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 non-monetary relief
Consumer complaint received 2023-02-07
Company: EQUIFAX, 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:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
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:
This company has reported false information on my credit report and is risking my credit worthiness. This debt i have no knowledge of and the company has tarnished my credit worthiness. I demand these fraudulent accounts to be removed or further action will be taken.This company is penalizing individuals as myself that have nothing to do with there negative tactics of accusing consumers of debt THAT I DO NOT OWN .Other complaints have been filed and i will continue to press forward reporting this awful company!

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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Someone used my information to apply for credit with XXXXXXXX  in my name on 5/15 that I did not authorize. I called XXXXXXXX  and spoke with XXXX who sent my info to the fraud department. They requested that I send them an id theft affidavit. I sent it to them via certified mail. I've heard nothing back and the inquiry is still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: CITIBANK, N.A.
State: CO
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:
Citibank reported negative information to my credit profile under questionable circumstances. 

While I believed I had Autopay set up to cover the monthly payment, there had been some change to my account which disrupted the normal payment process. This resulted in a minimum payment of {$70.00} due XX/XX/XXXX to not satisfied until I discovered the issue and made the full balance payment on XX/XX/XXXX. Over the several months around this time frame I attempted to set up Autopay with Citibank at least 3 times, with what I understood to be confirmation each time. 

The effect on my credit record of Citibank reporting this single late payment of {$70.00} in XX/XX/XXXX results in two negative factors for recent missed payment and bad payment history. This combined negative reporting causes a substantial reduction in my FICO score, which affects my interest rates as I am attempting to obtain a home mortgage. Citibank 's response to a single {$70.00} missed payment, which I earnestly attempted to avoid, and which I rectified in full once I leaned about the problem, is costing me tens of thousands of dollars in mortgage interest costs ( a single point on my $ XXXX XXXX-year mortgage is {$80000.00} ). 

As a Citibank card member since XXXX I have had around {$30000.00} worth of purchases/balance transfers using this card. With the exception of the recent missed payment due to an account change, I have had a flawless payment history with Citibank. 

I respectfully request Citibank to update my credit profile by removing the negative reporting of my account on my credit profile.

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