BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: NJ
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 XXXXXX/XX/2021

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 2023-03-02
Company: Experian Information Solutions Inc.
State: DC
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 downloaded my credit report and analyzed it thoroughly. I disputed accounts and addresses. I updated my report and found accounts that did not belong to me. Some accounts still remained on my credit report. To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. I have not Supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719 I presume no proof The alleged Debt, nor therefore any such debt, in fact therefore exists.Please investigate these matters and remove the disputed items as soon as possible.

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 2023-05-25
Company: Experian Information Solutions Inc.
State: MT
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 have tried multiple times to correct errors by sending dispute letters and I have contacted XXXX XXXX XXXX XXXX XXXX with no result so I would like to request that CFPB step in and help. On XXXX XXXX I Received a XXXX Report. XXXX XXXX XXXX, XXXX XXXX XXXX. My first concern is that I have XXXX XXXX on all the credit reporting agencies including Experian and XXXX. How was this information sent to XXXX from Experian with the security freeze in place? I will attach page XXXX of XXXX showing the sharing of my credit information. The second Error I found is the accurate reporting of information on my XXXX - Experian - XXXX XXXX XXXX XXXX information. BY Law FCRA Section 611 Furnishers and Credit Reporting agencies are to report information Accurately and is Complete If information is incorrect or incomplete the account is to be DELETED. Located on Page 5 of 20 XXXX XXXX XXXX XXXX contains multiple ERRORS. XXXX XXXX XXXX XXXX Account Number XXXX. This account was reported for incorrect amount of {$24000.00} correct amount {$24000.00} ( INACCURATE ) .I will attach a copy of the from XXXX XXXX XXXX which will show the payment history - which will show the errors. ( ERROR 1 ) - Status ( XXXX through Bankruptcy XXXX XXXXNever late ) This account was not discharged but was REAFFIMED meaning the account continued to be paid - paid in full with a zero balance,. ( ERROR 2 ) The payment history shows payments through XXXX of XXXX of the credit report. Please look at the attached payment history from XXXX XXXX XXXX you will see that the last payment was made XX/XX/XXXX. THIS IS OVER 3 YEARS DIFFERENCE from what is reported????? This loan was paid in full, on time, and to a zero balance. Many of the Categories of this report have been filled in with " Not Reported '' leaving the report INCOMPLETE. 
Terms " Not reported '' This account was in place from XXXX to XXXX ( ERROR 3 ) Recent balance " Not reported '' ( ERROR 4 ) High Balance " Not reported '' ( ERROR 5 ) Monthly Payments " Not Reported '' ( ERROR 6 ) Recent Payment Amount " Not reported '' ( ERROR 7 ) Date of Status -Incorrect - This account was paid in full the last activity was XX/XX/XXXX ( ERROR 8 ) This account was paid in full, with no late payments, the account should have been listed as a positive account. ( ERROR XXXX ) By law tis account should show ACCURATE and The information should not be missing information. This account has shown multiple ERRORs and is incomplete making this INACCURATE. XXXX XXXX XXXX  has verified this account even with the attached information showing it is not.

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 2023-07-24
Company: PNC Bank N.A.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I dispute the inaccurate reporting status on my PNC Bank account, which is negatively affecting my credit profile. The account in question is currently listed as " Payment after charge off/collection Settled - less than full balance. '' I wish to bring to your attention that this matter has already been settled, and as a result, the payment status should not indicate " In Collections '' or " Charge-off. '' I kindly request that you promptly investigate this issue and update the reporting status to reflect the accurate account status. The inaccuracies in the current reporting status are misleading and are having a significantly adverse impact on my creditworthiness. I want to emphasize that the account in question has already been resolved through a settlement agreement. As per the Fair Credit Reporting Act ( FCRA ), it is crucial for the information reported to be fair, accurate, and up-to-date. Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. In light of this legal requirement, I kindly request that you take the necessary steps to rectify the inaccuracies in the reporting of my PNC Bank account. Please update the status to accurately reflect that the account has been settled and is no longer in collections or charged off. I really do appreciate your attention to this matter and look forward to a timely resolution. Thank you for your prompt action in resolving this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My complaint went unanswered until recently - almost 2 years after the complaint was filed with CFPB. 

The new lender sent me documents they received from Champion during their buyout. 

Champion Mortgage lied to CFPB and is the reason I never received a copy of their answer. The fraud and deception is shameful. For this lender to have misrepresented the facts to CFPB only goes to show you how comfortable they are with their deceptions. I am attaching the answer to CFPB - not the XXXX date they claim the loan was transferred to them on. I kept every document since XXXX. 

Note the {$3000.00} foreclosure attempt when my escrow was in excess of XXXX. 
Note the full and final release they provided instead of this answer. We believed we owned the home because the statue of limitations had expired by 5.6 years from the date of death of last borrower. XX/XX/XXXX - foreclosure was on XX/XX/XXXX. 

They have stolen tens of thousands of dollars from the Loss Draft account - these insurance proceeds were from two named storms in XXXX and Hurricane Harvey XXXX. 

The lender had an inspection company trespass and they left the main gate open allowing my cattle to escape.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Debt Recovery Solutions, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Consumer Financial Protection Bureau, I am lodging a complaint against Debt Recovery Solutions for fraudulent debt collection attempts and unauthorized credit inquiries. 

Debt Recovery Solutions is attempting to collect a debt I do not owe, which constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits debt collectors from using any false, deceptive, or misleading representation or means to collect a debt.

In addition, the company has performed unauthorized credit inquiries, impacting my credit score without my consent, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681b ( f ). 

I request the CFPB investigate these practices and enforce my rights under the FDCPA and the FCRA. The company should cease all communication, remove related negative information from my credit report, and confirm these actions in writing. 

Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have called XXXX XXXX ( comenity bank ) numerous times as well as sent in a letter asking them to waive my late payments in XXXX and XXXX due to my husband being laid off from Covid. I have received nothing back from them and different responses from each customer service agents. I have since paid off the credit card when we got back to work but would like for them to waive the late payments as it has greatly affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Barclays AARP Travel Rewards points were taken from our account on their website several times.Also account information such as address, phone numbers, email addresses and banking information changed. Rewards points were deposited into accounts that were not ours. This happened several times. We have never used their online service so dont know how someone was able to go into our account and keep changing information. 
Dollar amount taken from our account.. XXXX{$800.00} in XXXX XXXX, {$60.00} in XXXX XXXX, {$93.00} in XX/XX/XXXX, {$65.00} in XX/XX/XXXX XXXX  for a total of {$1000.00} stolen from us. When we first reported the incident in XX/XX/XXXXXXXX  Barclays said it would take about two billing cycles to get our points back as well as having us place a verbal password on our account but our points continued to be stolen. Each incident we have asked when we will get our points back and are told maybe another 2-3 weeks. I have spoken to several managers and am always told that they would escalate my issue. We just keep getting the run around and have been more than patient with them and I feel 7 months is more than enough time to get our points back. Account is supposedly locked right now but someone was still able to get access into in XXXX. They have done nothing to resolve this issue.

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 2022-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
A bank account with was opened in my name with Bank of America. When I discovered the fraudulent account I requested the account be closed. I followed the requested steps from Bank of America but no action has been taken.

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 2023-09-22
Company: EQUIFAX, INC.
State: TX
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 fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Charged fees or interest you didn't expect

Complaint:
During the Summer of 2022 due to hardship, I reached out to TitleMax for a loan on my car. I did not know this would turn into a nightmare. I was informed that the value of my car was {$6700.00} ( I later found out that my car value is between $ XXXX {$4000.00} ( more on the {$2000.00} side ) with a {$1100.00} payment per month to TitleMax. 

I reached out to TitleMax to inform them that I could no longer afford the payment and as always each time I have a question or a concern, I was informed that " you signed it or you agreed to it. '' On XX/XX/2022, I informed TitleMax that I was going to surrender the car and went in that day. The document that I had planned to sign was already pre-signed and dated by TitleMax. I informed TitleMax that I needed to read the document before I sign it. I decided not to sign the document because TitleMax wanted me to agree to a payment amount without knowing what that amount was going to be. 

On XX/XX/2022, I received a call from TitleMax regarding payment. I asked if I could get a copy of the document I signed. I was informed that it was against their policy to give me a copy of the document. I then asked if I could get a copy of their policy stating that and I was told that it was against their policy to give me a copy of their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted my mortgage company several times to inquire as to whether my summer tax bill was received. I receive notification that they received my inquiry, but never a response to my actual question. 
I contacted them most recently on XX/XX/20 and have yet to receive a response as to if they have received my tax bill as it is not reflecting the proper amount on my account and has not been paid yet.

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: 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: Problem with personal statement of dispute

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX acct XXXX {$2000.00} I was never late on the loan because it was auto payment. In XXXX It shows inconsistencies between all three reports showing XXXX late payments in XXXX and XXXX late payment in XXXX. This is false and inaccurate. There's late payment in different years in each report Transunion, XXXX, and XXXX and all dates are inconsistent and different. There was no late payment because I had auto payment directly from my bank for auto loan. This account has been in my credit report for over 7 years. 

Navient account # XXXX is inaccurate in all credit bureaus XXXX, transunion and experian. I was on a deferred loan because I was attending college at the time. There shouldnt be no payments. In experian shows XXXX late payment on XXXX. 

XXXX XXXX XXXX account # XXXX, {$2200.00} I reported identity theft and purse stolen along with credit card which was used and should have been closed. Shows late payment XXXX, & XXXX. The card does not belong to me. This account has been in my credit report for over 7 years. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15U.S.C 1681 section 602A States I have the right to privacy.

15U.S.C 181 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: MO
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 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 explanation
Consumer complaint received 2023-10-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a dining table set on XX/XX/XXXX and it was scheduled to come on XX/XX/XXXX. I received a text from the warehouse XXXX that the tables they had in stock were damaged so I called him back and told him I only wanted the chairs delivered. Only my chairs were delivered and not the table that I made in the same order. I made the payment for the chairsXXXX XXXX XXXX XXXXXXXX told me to drop the dispute so that they could refund me the amount for the table. They told me on XX/XX/XXXX that they would refund the amount of my table in XXXX days of {$1900.00}. When I inquired about the refund 14 days later, they alleged that they already refunded me on XX/XX/XXXX but that is not being reflected on my credit card statement and my credit card account does not show any statements for XXXX. XXXX XXXX XXXX  and Synchrony bank have been giving me the run around for almost a year now and I am tired. Additionally they are running up late fees and ruining my credit. I should not be responsible for the thief that never delivered my table and they should be conducting an internal investigation as to why my table was never delivered and why they can not provde documented proof of my refund.

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