BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: AES/PHEAA
State: KY
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 is a direct violation to 15 USC 1681n, 15 USC 1681o, 15 USC 1681e, 15 USC 1681a2b, and IRS Publication 4681. I have been disputing this fraudulent account for years and it has been extremely difficult, damaging and hurtful. Not only is this not my account all three bureaus have conflicting information from, account type, date opened, payment status, comments, and payment history. Because companies can not keep my information safe, I have been a victim of multiple breeches, fraud, and other identity violations. I have suffered, denial of credit, increased cost of credit like paying XXXX  % interest for a small personal loan, and lost opportunity to obtain credit. I have suffered damage to my personal and professional reputation, derogatory info sent to insurers, creditors, banks, and employers. I've also suffered damage to my reputation among my peers ; loss of financial independence ; loss of self-esteem, being personally violated, and continuous harassment and invasions of privacy. Not to mention the emotional distress, embarrassment, and frustration of being denied credit, having to explain errors on the credit report, knowing that false information is being reported, physical symptoms : headache, loss of sleep, nausea, crying, irritable ; interference with normal and usual activities ( time spent trying to fix errors, get credit, review reports, interference with work, distracted, inability to concentrate. ) I am currently trying to get a new job and a new home, and this has come up yet again threatening my personal and professional wellbeing. This is absolutely total defamation of my character and humiliating to have to explain. This is also in violation of Fair Credit Act and Fair Debt Collection Practices Act, Public Law 111-203 ; Title X ; 124 Stat 2092. Please remove this off all my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
To who it may concern, I made a purchase of {$500.00} through XXXX, I followed the size chart they have and received clothes that did not fit. I then decided to purchase a shipping label from them. I shipped the clothes via USPS on XX/XX/XXXX to return them. I still have not received my refund. I filed a dispute with Wells Fargo on XX/XX/XXXX and called on XX/XX/XXXX for an update and was told I had no dispute rights. This is completely unfair I am now not in possession of my money or of the clothes. This is my 2nd complaint with Wells Fargo, I also filed another complaint via this site regarding a separate dispute where I received damaged clothes.

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 2023-11-30
Company: FAIR COLLECTIONS & OUTSOURCING, 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 fail credit # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may nBt treat a payment on a credit card@. . account under an open end XXXX consumer credit plan as late for XXXX  .copy it and pyt itin that XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Velocity Portfolio Group
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company by the name of Velocity Recoveries is reporting fraudulent account information to XXXX. The date that this account was reported by their company was on XX/XX/2023 showing a balance of {$630.00} with an account number attached to it as 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 2022-12-22
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX late open Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated or removed : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX 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 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 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 2020-06-16
Company: Trident Asset Management, L.L.C.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company bought my debt. I never received any communication from this company. They mailed a letter to an old address. 
I want this account removed from credit report and the ability to pay the debt. I was never given this opportunity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was unable to pay my mortgage ballon payment of XXXX by XXXX to Mr Cooper. They placed me on a six month forbearance plan and told me they could extend it to twelve months if needed. They called me every month for progress and I told them I would need an additional six months. At the end of XXXX they said I would be extended and to call back XXXX XXXX and when I called, they informed me I could not. They referred me to another department that said I could get three months on a pandemic relief plan. I signed up for it on XXXX XXXX and checked on it today and there is no record of it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account 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 explanation
Consumer complaint received 2022-11-15
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX I applied for the COVID19 Mortgage Relief on my property at XXXX XXXX XXXX XXXX XXXX, LA XXXX. XX/XX/XXXX was my first attempt to consolidate the missed payments and get back to my regular mortgage. XX/XX/XXXX I was told the paperwork was submitted to late ( based on the notary timeline I received from the company ). I was informed I needed to pay my payments for 6 months and apply again. I did so and in XX/XX/XXXX I submitted the paperwork again. This time we ( myself and my wife signature are required ) used a local notary. The signatures did not meet the underwriters standard so they did not approve. The documents were resent to me however at this time I was mobilized to XXXX XXXX, Texas. XX/XX/XXXX the company assured me they could send the documents to both myself and my wife in different locations. I have signed the documents in XXXX XXXX multiple times however I was told the underwriters did not send me the right paperwork and they have yet to arrange for the notary to come to my wife in Louisiana. We do not want to risk a local notary unexperienced with their needs because of the last time. I have asked multiple times for a supervisor or an underwriter to contact me. None have done so. I have fallen further behind in my payments because once the notary 's have a set amount on the paperwork they don't want you paying any payments for roughly two months. This has happened to me three times equaling five months of payments Multiple level 1 customer service agents call daily promising to assist with the problem but none have helped. As of XXXX XXXX an customer service agent reached out to tell me I had to start the process all over again to include submitting paperwork that was never required. The agent then advised me to take my wife 's name off the title of my home to make the process easier. I felt that was not his place nor his area of expertise to advise me in such a way. The individual did not read the notes on my account to understand my specific situation and continued to explain to me why this was my fault for basically being a XXXX XXXX. When asked if a XXXX could call me back I was told " good luck ''. I am still waiting for a XXXX to return my call.

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 2022-07-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had used a credit card from Citizens Bank in XXXX XXXX NY on XX/XX/2022 for a gravestone for my husband who passed away XX/XX/2022 to XXXX XXXX for an initial payment of $ XXXXUpon checking the balance of my checking account for more than a week, I found out that {$1000.00} were twice deducted on XXXX called the customer service of Citizens Credit Cards on XX/XX/2022 and spoke with XXXX via phone and told me that the {$1000.00} will be refunded/returned to my checking account within 4 days and I told her as well that I have some autopay due within that time. After 4 days the {$1000.00} was not yet returned to my checking account and my outstanding balance was {$3.00}. I tried to call the customer service of the bank and even went personally to the bank but the answer was to try to call the Credit Card Customer Service. On XX/XX/2022 an agent of Citizens Debit card named XXXX and XXXX yesterday from their chat web were both contacted with no avail to my problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX XXXX XXXX  you furnished alleged transaction ( s ) on my Experian, XXXX, and XXXX that you identified as late. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law!

I am requesting under rule 1002 the documents that show proof that the information pursuant to section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not reply to me stating that you are furnishing accurate information because we both know you are not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2.

You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction ( XXXX ) you have listed as late : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: AZ
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.l 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. 
Accounts : there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Address XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
To whom it may concern, We are writing you as we are encountering a problem with Branch Banking and & Trust Bank. This bank closed our account on XX/XX/2018 and did not notify us with sufficient amount of the days so we could take action. Instead the bank closed our business account and up to today we have not received any notification or the funds. 

We find incredible that in the United States financial system, the government does not control the banks business practices. It is easier and correct that the bank notify us with sufficient amount of days specially when we have an overseas company that they have decided to close business with us, so we can removed the funds and allow them to close the account. Instead, BB & T takes advantage of clients by freezing the funds and OBVIUSLY using them while they send a check or play with the funds! THIS IS NOT ACEPTABLE!!! It looks like they think we are idiots and we do not understand what is going on!! This is an abuse as they should have a limited amount to return the funds as they do not have a court order to retain my company funds. 

We extent our request to government officials to PLEASE fine or regulate this unfair business practices! As this bank is abusing of clients. 

Businnes account # XXXX Name : XXXX XXXX Personal Banker : XXXX XXXX telf : 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 2023-11-29
Company: Southwest Business Corporation
State: AL
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:
Since XXXX of XXXX  SWBC Mortgage was hitting me with late charges because they stopped taking XXXX XXXX  on line e payments from my account. I called there customer service and they did not offer any help at all only choosing to say it was my responsibility. They eventually waived XXXX and XX/XX/XXXXXXXX  late payments because they eventually received the paper bank checks XXXX XXXX  sent out but in turn hit me with a XXXX late payment after XXXX XXXX  put a stop payment and I in turn made back to back mortgage payments to bring the account u to date. 
I started my first payment in XXXX of XXXX  and had no late payments because Regions bank always made my e payments for me. SWBC stopped taking the on line payments and did not make me aware of the issue. Now they referred my account to the credit bureaus to hurt my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 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 2022-03-11
Company: Experian Information Solutions Inc.
State: NC
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 just started pulled my credit today to see what my score was to apply for a car loan. When i pulled my credit i noticed my credit score was very low ( which i expected because i was told that if you dont have much on your credit it would be low ) however there were a lot of closed charge off accounts i never applied to, inquiries for things ive never applied to, open accounts i never created. There were jobs listed ive never worked at, addresses ive never lived. I dont know how this couldve happened besides my birth certificate being misplaced sooooo many years back. Ive never given my personal information out so im not sure how this happened however i did not apply for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, inquiries from XXXX XXXX ( twice ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are all fraudulent. i did not apply to any of these accounts

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 2023-11-29
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received calls from this place about 8-9 months ago and told them this was not mine and that I've never had XXXX XXXX and during their dates they gave me over the phone, I was XXXX. I requested a purchase agreement of the debt to see details and also any other back up and they'd hang up on me. This should be removed!

Company response to consumer: Closed with explanation