BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: GA
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: CCF Intermediate Holdings LLC
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The debt that XXXX XXXX XXXX XXXX saying I owe is {$2100.00}. This was due to identity theft and fraud. dates are XX/XX/2023 and various other dates they are claiming. They used a address that is not mine a phone number that is not mine and a birth date that is not mine. This company has still not removed my collection from my XXXX Credit report which lowered my credit score XXXX points. Please help get this removed. I have never lived at the address they are using.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: NJ
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:
Remove late payment, collection, false hard inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Please review both my previous complaints including the most recent one ( XXXX ). Bank of America continues to allow my bank account to be changed from my actual name XXXX to XXXX. They have had countless explanations and change of back but then it gets changed to XXXX yes again. This is a severe privacy issue and they need an explanation as to why they allow this to happen. This is negligence on their end. I have been patient with the process the last two times despite the rudeness when I reach out. This deserves compensation.

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 2021-06-20
Company: MoneyLion 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:
Someone fraudulently opened an account with Moneylion INC . I had never heard of them until they showed up on my report. 

I called them twice and twice I was told someone would call me or email. That has not happened and the account is negatively affecting my credit score. 

Ticket XXXX Money lion ticket XXXX Fraud account ticket number XX/XX/2021 Account shows that it was opened on XX/XX/2021 And again I never opened an account with them. This is a very bad company and there is lots of complaints about fraudulent accounts and people getting a run around to try and get their names cleared. What it shows is that they have a very poor way of verifying people that are applying for loans. Its leaving me personally with a credit score that been affected and I cant buy a home because of their incompetence. They are very very hard to reach to get anything resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Netspend Corporation
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
XX/XX/XXXX they texted and said account has been locked, called and said different email reset and was working then later same thing call center so they cancelled my XXXX cards and it also showed I had XXXX others that were not mine XX/XX/XXXX got new cards activated and was fine then later that day texted again account is locked callled and email changed again reset user name and password, XX/XX/XXXX same thing reset and was fine afternoon locked again and then suddenly they said I had a old dispute that was from 2013 that I needed to pay started out at XXXX changed later to XXXX now XXXX and wants me to send them cash

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: PA
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: Other problem getting your report or credit score

Complaint:
My Twin sister and I noticed that our identities are mixed up in all three credit bureaus ( XXXX, Experian and XXXX ). We've been Trying to clarify this mix up for past Two years now and have gotten no where. I am hoping the CFPB can help us resolve this issue. I am in the process to purchase a home but because of this identity mix it seem impossible! Thank in advance! 

My Identity is : Name : XXXX XXXX DOB : XX/XX/1995 SSN : XXXX My Twin 's Identity is : Name : XXXX XXXX DOB XXXX XX/XX/1995 SSN : 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 2021-06-20
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed an account associated with Comenity Bank. The last payment was suspicious, but I paid it in order to close the account. I recently received and email see below for an account I no longer have XXXX  XXXX What they will then do is charge me for a returned payment fee or some other fraudulent claim : One-Time Payment Step 1 : Select Payment Details Please submit payments for todays date by XXXX XXXX. Eastern Time ( ET ). 

Select Payment Amount Minimum Payment : {$6.00} Pay this amount by your due date to avoid late fees and keep your account in good standing ... 


Statement Balance : {$6.00} Current Balance : {$6.00} Other Amount : $ Save on Interest : Select to Calculate Payoff Balance : Select to Calculate Select Checking Account XXXX  ... XXXX There was an error with XXXX  ending in XXXX. 
Select Payment Date Due Date by XXXXXXXX XXXX ET : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I filed a previous complaint with the CFPB and HSBC responded stating I did qualify for the bonus. I requested an account number and received no account number. I received a debit card and no pin therefore can not register online. Today XX/XX/2020 I called again and they said they I didn't qualify for the bonus because I didn't use the promo link. At this point I want the account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 if 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 explanation
Consumer complaint received 2018-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The name of the collection agency is Portfolio Recovery Associates. They are constantly calling me in reference to a XXXX XXXX credit card that I had over eight or nine years ago. I am XXXX. I have no income, no social security disability, no welfare checks, no nothing. The original balance of the debt was {$500.00}. Since the account was closed because I couldn't afford the payments, it was sent to collections. I understand the policies and procedures regarding this action. However, I have also disputed the amount and have received no written verification of this debt from the original creditor as requested numerous times.

This company calls my home 3-6 times per day. I have tried blocking the number, but unfortunately, they just change it and my telephone carrier only allows me to block a limited number of callers. Therefore, I can not block them any longer because they keep transferring it to different locations with different area codes. 

It is stressful and harassing. I am completely and totally XXXX, living off of a family member to survive as I do not qualify for SSD. This company is ruthless in the pursuit of a {$500.00} debt which is old, way old, and should have disappeared off of my credit report already.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have recently been notified of a report sent to Experian with an address that I am not nor ever been associated with. I would like to report fraud and identity theft. Thank you. 

You have a new address on your Experian credit report Address XXXXXXXX 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 2022-04-06
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXXXXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXXXXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

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 2019-11-20
Company: LJ Ross Associates
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contact the company every month since XX/XX/2018. I've asked them to supply me with documentation bearing my signature of a contract that we have for goods or services, and they have failed to do so. 

The company is claiming that I owe them {$1900.00}, which is untrue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: WELLS FARGO & COMPANY
State: GA
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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX contacted Wells Fargo Dealer Services. Customer Service would not investigate, and after several years tried to get the incorrect information corrected. Dated XXXX XX/XX/XXXX. 

Account : Wells Fargo Dealer Services Acct # XXXX No information or validation. They do not investigate, they only go in and look at a computer. No validation of the mail, what procedure is used. 

My rights have been violated by the following : - Sharing of my report and posting inaccurate information - the credit report is hindering me and my family from good standings with is costing me and my family more money to acquire better credit scores- Sharing of my report to all creditors that I apply for with the following statement -- " Serious Delinquincy '' This is an adverse condition

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 2023-09-21
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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I recently changed my email address and no longer have access to my previous email account. I contacted the credit card company by phone to change my email account details on XX/XX/XXXX. Because I do not live in the US I am unable to receive a verification code on my cell phone. After 1 hour on the phone and 3 different agents, a weblink was sent to my NEW email account asking me to upload 2 ID documents to verify my identity. I did so, uploading my US passport and an Irish drivers licence. I was told I would be contacted to confirm the change. I was never contacted. 3 weeks later on XX/XX/XXXX I phoned the company back. Initially the representative told me that they had only received one ID ( my drivers licence ) and she insisted I had been phoned about the problem. Then she said that actually they had received my passport scan but it had failed verification. When I asked for more details, she admitted that although they had attempted to phone me, the call had failed. I asked to speak with a manager. I then spent 90 minutes with the manager who insisted I had to go through a process on my smart phone for real-time verification of my passport. Once again, they used my NEW email ID to send me the weblink for this process. However the process repeatedly failed. When I asked for another option, the manager said that I had failed multiple verification processes and when I asked him to explain what I failed he refused, saying that it would compromise their security to tell me what I had failed. To that point I had answered every security question correctly, and I had provided them with the documents they requested. He said there was no way the company could change any of my 'sensitive ' information, and they are refusing to change the email ID associated with my account. This means that they continue to send my account information ( balances, statements, etc. ) to an email account which I no longer have access to, and which could be hacked or accessed by the internet provider without my knowledge. Their 'security ' requirements are unreasonable and are actually compromising the security and privacy of my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have been trying to refinance for months and we kept getting conflicting information about what FG needed from us to process our application - we went through the whole thing twice. I posted a XXXX  complaint and got a number to call which was just a generic CS number, and no one ever called us back. Now they denied our refinance application and send a debt collector to our door on a Saturday - we're refinancing with someone else, and we've been on the mortgage deferral program, so we owe them nothing

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 2020-11-17
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I opened a credit card account, my father later was diagnosed with stage XXXX XXXX. We not wealthy it happened so fast. I used the card I live on a fixed income. I stated this to XX/XX/XXXX XXXX. Midland Credit Management brought the debt. I was unaware my debt was sold. I opened my front door a man standing there holding these summons papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
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:
In accordance with the FCRA, this creditor has violated my rights. Under 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Selene Holdings LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Selene finance took over my mortgage loan XX/XX/2023. I made a payment in the amount of {$3100.00} but when I finally got access to the app they had raised my interest rate from 3 % to 7.1250 % which took my mortgage from {$1100.00} well over {$1600.00} No one at XXXX has offered any documentation as to why this rate was raised. Ive called 4 times and no one has yet to send me the justification on this increase. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The following creditors are falsely reporting information to my credit report. 
XXXX XXXX account opened on XX/XX/XXXX and was then passed to XXXX XXXX XXXX 

XXXX XXXX is falsely reporting an account that was also opened without my consent or permission. The account Is reporting that it was opened on XX/XX/XXXX. 

XXXX XXXX XXXX is reporting an account that as opened without my consent or permission and is a case of identity theft fraud. The account is reporting that it was opened on XX/XX/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