BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been communicating with Capital One since XXXX about changing my name on my account. I was told to send over documents to prove I legally changed my name, I did send over the information and the name was changed on the account with new cards coming in the mail shortly after. I registered the card via the online system to make my payments, but then I was kicked out of the online system. For the last three years I have been calling and been transferred from department to department, everyone uses the wrong pronouns. I was in the hospital multiple times since XXXX and while I would like to keep my account payment up to date it has been hard to do when I have to call all the time just to pay. On XX/XX/XXXX I spoke to XXXX who was supposed to help me change the information once and for all so that I can get on with my life. We were speaking to someone at XXXX XXXX named XXXX, while she was assistance us, XXXX from capital one hung up due to capital one closing and did not call me back. 

Now my account is very very out of date and the supervisors will not talk to me until I bring the account up to date, but the account has been maintained and its not my fault that no one will help me with my account information. I feel like they are not trying because of my gender identity. I was mailed new cards, I have been using the cards for years, I pay the bills under the name XXXX. What is the issue with helping me update my account. I want my account updated so that I can log on and pay and manage my bills. I think this going on for three years is unacceptable and capital one needs to help me. I can pay the bill, but why should I when you continue to discriminate against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: CA
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 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 XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
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: Account information incorrect

Complaint:
I paid off XXXX through a settlement program about 2 years ago. To this date affirm has still not removed it and put it in collections. The two credit bureaus have removed it after my lawyers sent in documents showing it was paid. Experian has not. Ive been disputing it along with the lawyers and they still deny it. Its illegal what both these companies are doing. Been dragging down my credit for two years now

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 2020-12-30
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
When XXXX XXXX was taken over by US Bank I was told that if I go over or don't have enough funds they would supply a {$50.00} XXXX, that has not happened I was told US Bank has real time transfer I transferred {$50.00} to XXXX around XXXX this morning and the money still has not hit account??? Now I'm being told that it will take XXXX business days so I am without money until possibly Tuesday. 
Fraud I never reported anything fraudulent but as of XX/XX/23 every transaction is flagged fraud without my authorization. I can't get in contact with customer.

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: Experian Information Solutions 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:
I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.

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 2021-06-08
Company: SYNCHRONY FINANCIAL
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI XXXX ; Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2022-12-18
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had fraud on my account, my bank is wells Fargo, i received information about my card being used without my permission so I logged in, looked through my statement and found fraud on my account so I opened a claim. i filed the claim on XX/XX/XXXX over 10 days had passed and the temporary credit wasn't posted to my account like wells Fargo claims they do so I just let it roll through, then my claimed was denied saying that all the transactions were valid because my pin ( personal identification number ) was used. I called wells Fargo and had to explain to them that I hadn't used my card and the person who was helping me kept saying that the research proved I was the one using it, then he said that I had given this person permission to use my card to make these purchases and that the bank wasn't responsible for returning my money the total amount on this claim is XXXX, then I had to file 2 more claims that instantly got denied the following day after filing them so here I am taking the next steps having to use cfpb to file a complaint hoping to get my money back because wells Fargo wont take responsibility for fraud on my account. and the employee who was on my call wasn't listening to me hung up on me because I kept saying that there was fraud on my account and it was their responsibility to take this further and return my money. then I had to further explain that after i did my own research to see what was used not every transaction was used in a store that some were used online where my pin ( personal identification number ) wasn't necessary so how could all the transactions be verified by my pin and his response was still they are not responsible.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Reviewed my credit report on XX/XX/XXXXXXXX  and noticed inquiries that were not authorized by me and addresses as well, that I have not ever resided at. Please see the attached FTC report with all inquiries and addresses. 
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 OK XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX Sincerely Yours 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 2020-12-31
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After having my mortgage modified, This is my new contract 51 years to repay at 3.125 % interest rates. I've tried to refinance without getting assistance due to these terms. How can this be corrected? 


PHH Mortgage Hello XXXX My Loan My Loan Your Loan balance is {$160000.00} 3.125 % Rate | Conventional | 51 Years Term How your recent payments were applied 32 % of your principal and interest payments Year to Date were applied towards principal. Making additional payments to your principal balance will reduce the amount of interest you will pay over the life of the loan. 
68 % Interest Select a period of time. 
Year to Date 32 % Principal Your Loan Started XX/XX/XXXX Your Loan Ends XXXX XXXX Remaining Payments 172 Prepaid Principal {$2200.00} You can own your home faster Learn more Prior Yr Principal Paid {$2000.00} Prior Yr Interest Paid {$4400.00} Some Things To Consider Having trouble paying your mortgage? 
How can I contact PHH Mortgage? 






What is the mailing address for sending an overnight payment? 









When will I receive my year-end statement? 
What are some of the common fees that may be charged or assessed to me during the servicing of my mortgage? 
Looking for alternatives to foreclosure or to help with budgetary issues? 
Payment History Show All Mortgage Escrow Advances Reversals Other Mortgage Payment Applied : XX/XX/XXXX {$950.00} Escrow Advance XX/XX/XXXX {$820.00} Tax Disbursement XX/XX/XXXX - {$820.00} View all Taxes and Insurance Current Escrow Balance As of XX/XX/XXXX Learn More - {$540.00} Escrow Account Payouts Show all Upcoming Year to date XXXX Tax XX/XX/XXXX {$840.00} Tax XX/XX/XXXX {$830.00} Tax XX/XX/XXXX {$830.00} Tax XX/XX/XXXX {$820.00} View details Thinking About Refinancing? 
XXXX is here to help you find the right home loan for your needs. Call us at XXXX to hear your options or get started online today. 

Learn More PHH Mortgage PaymentMy HomeMy LoanMy NeighborhoodGoalsEducationTerms of UsePrivacy Policy XXXX PHH Mortgage All rights reserved Sent from my XXXX, XXXX XXXX smartphone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX XXXX : {$8500.00}

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 explanation
Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In the beginning of XXXX I wrote a complaint about XXXX XXXX XXXX, XXXX and experian not correctly reporting an account on my report. On XX/XX/2020 XXXX XXXX XXXX seemed to have corrected the issue by showing the account closed and in collections, however on XX/XX/2020 the account is now showing on my XXXX report as open and current bringing my score back down! According to the fair credit reporting act they are to report accurate information on my credit report and have not done so! If need be I will seek legal representation from a consumer attorney!

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 2023-09-25
Company: Experian Information Solutions Inc.
State: WI
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 am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: WELLS FARGO & COMPANY
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:
Dear Wells Fargo Bank, N.A., and all of its subsidiaries. 
The purpose I am writing this letter to you today respectfully is in regards to inaccurate information being reported to my credit report. On varies occasions Ive disputed these claims to both the credit bureaus and to Wells Fargo Bank, N.A at XXXX XXXX XXXX XXXX XXXX, IA XXXX. 
The credit bureaus response to me is always verified by creditor ( W.F ) and Wells Fargo Bank never response with a letter back. I have personally gone into local Wells Fargos branches who have assisted me in calling Wells Fargo customer service line on two separate occasions. Moreover no credit card account has ever existed or has been verified. 
It is very unclear to me as to why Wells Fargo Bank, N.A of XXXX XXXX XXXX XXXX XXXX, IA XXXX. Is reporting a debt owned of {$1100.00} to my credit report when I have never had a Credit Card or Credit Card at a Retail store associated with Wells Fargo Bank. 

For the record I am aware under the ( FDCPA ) the original creditor ( W.F ) does not have to provide a Debt Validation request. If the original creditor chooses not to. But under the Fair Reporting Act ( FCRA ) I have the legal right to dispute and receive evidence on what being reported against my credit report from the original creditor. So please mail me any evidence as to why this is being reported to my credit report if any exist.

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 2020-12-31
Company: EQUIFAX, 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:
I disputed fraudulent inquiries on my credit report to Equifax and attached a copy of my police report via postal mail. I contacted the company on XX/XX/20 to check the status. The representative told me there's was nothing that could be done and that I would have to wait 30 days. I then asked could I speak to a supervisor. The sup came on the phone and basically said they are not going to do anything about the fraudulent inquiries until the creditors reach out to them and inform them that they are in fact fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Lendmark Financial Services
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I contacted the above loan company and spoke with XXXX, branch manager and explained that they were in violation of my consumer rights by not providing me a clear and accurate understanding of the loan. I issued the a an affidavit, demanding the name, address, phone number etc for the original creditor. 15 usc 1692g. She stated that they didnt have to because they were not in violation of any federal rights. They then repossessed my vehicle by coming on to my personal property, in my driveway, and took my vehicle, causing my children to cry historically. I explained that they could not process the repossession while the account is being disputed. They never sent a letter stating they where my vehicle was or who had it. A police report was filed. I made a misinformed decision by obtaining this loan. I never received a separate notice letting me know that I could resend the contract, and obtain another. These transactions were all reported to the 3 credit bureaus, which violated my consumer rights to privacy. Remove account from 3 credit bureaus as soon as possible.

Company response to consumer: Closed with explanation