BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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. 

I told Experian and 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 XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. Also I filed identity theft and furnished a police report with my letters to each agency. XXXX is the ONLY bureau that is updated and correct and does NOT have any of these accounts listed above. How can one bureau hold the correct information but the other two have complete misinformation.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case I have attached my updated XXXX and previous letters to Experian 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 2023-09-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
We switched our Home Mortgage Insurance provider from Homeowners of XXXX to XXXX back in XXXX. The Homeowners of XXXX issued us a check for {$3500.00} which I cashed and on XX/XX/23 put via local Wells Fargo branch to our escrow account as additional escrow ( we have a receipt ). Then I checked and could find the above amount on my account, so I wrote a letter to Wells Fargo Home Mortgage with my concern. In their response they confirmed that the additional escrow amount was received in XXXX, went to unapplied funds first but on XX/XX/XXXX was credited to our escrow account. However, in XXXX we received the XXXX Account XXXX dated XX/XX/23 with notification our escrow account has a shortage of pretty much the same amount, and we need to pay it as additional escrow ( again?! ) or they will split it over or monthly mortgage payments. I called their Customer Service immediately to talk to their loan officers, but they were unable to clarify anything just saying like " we can not understand what happened to the amount we received ''. We suspect our fund mismanagement if not fraud and it is very hard to deal with Wells Fargo nowadays- they put all services on the phone, it is hard to get a paper trail, every time new person responds ( same with letters ).

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 2023-07-11
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Comenity Capital Bank, NFL credit card account users get {$100.00} back in the form of a statement credit if the customer spends {$500.00} net, off-us sales in the first 90 days from account open date. 

I opened NFL credit card on XXXX and on XX/XX/2023 I make a payment of XXXX. 
I have not received my {$100.00} back after I have spent {$500.00} Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-17
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ( XXXX  ) XXXX to whom this may concern My name is XXXX XXXX and I want to file a complaint against XXXX XXXX, XXXX. Experian because the information that they are putting on my credit report is not accurate and it's fraudulent.

I have been a victim of this crime twice and this time am fighting back am no longer going to allow the credit company to keep putting fraudulent accounts on my name with out proof it's me. 
I had a block put on my credit report many years ago so what am trying to understand is how do one have a block and still criminals still some how gets a hold to my personal information and open up fraudulent account with my driver license number and my social security number and how do they get this information it baffles me every time. I lost my driver license back in XX/XX/XXXX in XXXX XXXX when I went there to visit my mother but I never thought nothing of it until I look at my credit report and saw all that fraudulent stuff on it and I made call to each and one company and nothing has been done. I even call the account holders about the account and they told me it was in my name my I.D . and my social security and there is nothing they can do about it and am not going to stand for it no more longer. it's there job to keep that fraudulent mess off of my report and if I have a block I should of been notified when account were open in my name but I was never notified about anything and when I look at my report I just seen so many fraudulent account so many different ways of my name and many address that I never live at ( like XXXX XXXX ) I never live in XXXX XXXX in my life and when I told them they did nothing about it. 
then they had a address that was a XXXX XXXX and how I found that out I live on XXXX  and when I saw the address I went to it and it was a close XXXX XXXX and I fall to the floor when I seen that.

so now am more convince that the accounts on my report are fraudulent and that's not right for some one to open up account in my name when I have a block on my name. 
I want all those fraudulent account remove from my credit report because I no nothing about any of those accounts the only I want is my name right and not put something on me that I did not do. 

Thanks 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 2018-05-22
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently have tried to contact collection agency regarding debt.

XX/XX/XXXX andXX/XX/XXXX certified letters asking to show me how they own debt.

Can they prove i owe it. how can this be I live in California. They were unable to validate debt except give me a bill. I've tried to dispute with credit reporting agencies. they said it was verified. that cant be because i verified by certified mail and they could not. verify debt. I sent multiple certified letters because on the 3 different reporting agencies they are showing different names and addresses it has caused a lot of confusion.

I sent a second letter asking a second time to remove if unable to verify. they refused by sending me another bill.

XX/XX/XXXX after their response I sent another letter stating if they can not validate or furnish anything then to remove debt. they refuse. I tried calling the hospital,. they will not share any information with me due to hiipa they said.

Ive tried calling them even the statute of limitations have lapsed. but still refuse they sai it starts once they post on credit report. however they have removed it then have reposted to my credit report. its a game and very aggressive tactic.. Ive called them about this. Their response was telling me that they can renew it by giving it to another company.

THEY REFUSE TO DISCLOSE ANYTHING THEY HAVE CHANGED THEIR ADDRESS THEY CHANGE THEIR NAME AND DO THIS SO PEOPLE MAY NOT DISPUTE CORRECTLY. ARE THE LAWS NOT IN PLACE PROTECT CONSUMERS?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: NJ
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: OR
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
i have TWO separate complaints against Chase Mortgage. The first one is that for 10 years they reported one of my mortgages as " Modified '' - the said loan was never modified, after MANY hours of documentation and phone calls back and forth to their executive offices they finally 2 years ago admitted their wrong doing and sent me letters stating they were fixing the incorrect information to all 4 bureaus. THen they did it AGAIN 6 months later.. then AGAIN 6 months after this. i have endless amounts of paperwork re my complaint and supposedly they are not " doing this again ''. Then in XX/XX/2018 i had made a Partial Payment on one of my mortgages. Around the first week of XX/XX/XXXX?, might have been an earlier month/, when i went on line to pay the rest of the payment on the XXXX i didnt see that they had applied the first {$500.00} or {$600.00} payment. I CALLED and spoke to someone on the phone/ overseas possibly and they informed me that they had inadvertently applied the funds to my ESCROW account to which i said NO - i wanted it towards the payment. The rep at the other end of the line said OK we will fix it/ do you want me to draft the balance of the payment from your normal XXXX XXXX checking account ending in XXXX.. i said  YES, she gave me a conf number and stated again that they had to FIX their mistake re applying funds toward the escrow vs actual payment. the following month i saw they had charged me a 30 day LATE reporting and DENIED that i had EVER made the phone call in the first place!. i again reached out to their executive offices/ provided AGAIN all the information and they wrote me back and basically called ME a liar! i have paid back XXXX  of XXXX  of $ $ to CHASE on the many many many mortgages i have had. they are incompetent and could care less about erroneous reporting. this XXXX on their part has cost me to have several CLOSED accounts AND have other limits dropped completely. for ONE LATE payment that they messed up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted in XX/XX/XXXX about a debt owed from XXXX for XXXX from IC Systems. They did not verify the debt with me but told me the amount that I owed. When I spoke with them I told them that I was disputing the debt and that I owed nothing. Then there was a report on my credit report from them that has been for the past year. They have not furnished me with any ledgers or bills from XXXX and have been reporting for the past year. They are in violation of FDCPA 15 USC 1692 et seq., which requires that a debt collection agency use fair practices such as furnishing the correct information to a debtor if, in fact, they do owe the debt. XXXX can not furnish any documents of a past due bill either. I contacted them in XX/XX/XXXX and they could not furnish a ledger either. This has created a loss only credit reporting and there is not any accuracy of debt owed.

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 2023-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I notice someone is applying for cards and accounts in my name with my information. The credit Bureaus are not complying with the fair credit act. This inquires are unauthorized and needs to be removed asap CAP ONE NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Garnish my bank account for a debt XXXX  years ago 2005 that not even mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: CITIBANK, N.A.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
My card information was stolen in XX/XX/2018, and someone made purchases by using it. I discovered it a few days later and reported it to Citi Card. I received a new card and thought everything was fine. However, I found the unauthorized charges were not fully refunded. I contact them again, they told me their investigation team discovered the case. But it has not been solved yet. They closed the case before the date they noticed to contact them, and reopened by my complaint. And their Debt Department kept calling me due to the unauthorized charges because I didn't pay it. Now I've been waiting it will be solved soon while making minimum payment. I'm really sick and tired to contact them for this case.

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 monetary relief
Consumer complaint received 2023-11-16
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XXXX of XX/XX/2023 i received a deposit of {$140000.00} for my tax return which was deposited by XXXX, that same day my account access was restricted for no reason whatsoever, i have tried to reso this issue personally with truist but theyve been taking me back and forth i am beginning to think they do not plan to rele the funds to me, i want to use this medium to try to resolve this before taking a lawsuit against them. 
I have been a customer with Truist and have never had any problems whatsoever using the bank.

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 2023-11-17
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:
I hope this letter finds you well. I am writing to express my dissatisfaction and frustration regarding the ongoing issue with my open account at XXXX Credit Bureaus. Despite my previous attempts to rectify the situation, it appears that the matter remains unresolved. 

I initially brought the matter to your attention. At that time, I explained the circumstances surrounding the late opening of my account and requested prompt assistance in resolving the issue. However, to my dismay, the matter persists. 

I understand that mistakes can happen, and I appreciate your efforts in addressing the issue after my initial complaint. Unfortunately, the situation has not been rectified, and it is causing me considerable inconvenience. As a valued customer, I expected a more expedient resolution to such a matter. 

I kindly request that you investigate this issue promptly and provide me with a detailed explanation of the reasons behind the continued delay. Additionally, I would appreciate a clear timeline for when this matter will be fully resolved. I believe that transparency and communication are crucial in maintaining a positive customer-bank relationship. I am asking for your immediate assistance to correct the late open accounts : XXXXXXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance : {$1900.00}.

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 2023-03-03
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Key Bank opened duplicate checking and savings accounts in my name in XXXX of 2022 as well as incentivized me to open the accounts with a promise of {$300.00} if I set up direct deposit. To date the {$300.00} incentive has not been received and only the duplicate checking account was deleted. I still have XXXX active savings accounts despite bringing this to the attention of XXXX customer service associates and the bank branch manager. I have been requesting and following up on the status of my {$300.00} marketing incentive that was due to me no later than XXXX. It is now XXXX and the bank branch was initially unresponsive until I contacted their corporate headquarters. I now have a Supervisor with corporate following up as of last week however, as of this week my {$300.00} incentive has still not been deposited to my account. In addition to these errors, my accounts were opened with a misspelling of my name and wrong birthdate used resulting in a fraud alert freezing my account. These errors were resolved after XXXX in-person trips to the bank branch, multiple emails and phone calls. Lastly, I wrote a check in XXXX that was made out for {$950.00}. Rather than release {$950.00} from my account, my check was only cashed for {$150.00}. Well over a month passed before this error was identified and my account was randomly overdrawn for the difference of {$800.00} with no communication with me as to why this error was made and how they intended to correct it which I believe violates some sort of regulation with timely corrections to erroneous withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: CarMax, 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:
Carmax auto finance not my account and I want removal off my credit Carmax XXXX is the amount Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-03-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation