BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
Company: Bridgecrest Acceptance Corporation
State: VA
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:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 


XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There was an unauthorized withdrawal from my checking account on XXXX/XXXX/2020, someone impersonated Wells Fargo and text me a link to click on saying that I needed to verify my identity, I clicked on the link and entered my log in information and they withdrew money from my account by using my stolen debit card information at an ATM without my card by using an access code. The first transaction was for {$200.00} and the second one was for {$780.00}, I immediately called Wells Fargo to report the fraud claim within 30 minutes but now they denied my claim and wont refund me the money that was stolen from my account. My claim number is XXXX. Please help me.

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 2022-08-08
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: Personal information incorrect

Complaint:
Hello, I have sent Experian credit service. XXXX letters to remove an address that is incorrect. i also asked Experian to mail a copy of my report. Experian credit service fail to mail a copy of my report on 3 request. Under the fair credit act. credit reporting companies. must furnish credit reports and after all disputes. under the fail credit act USC 15USC1681 all information on my report must be factorial. Its very frustrating, Experian is the only one reporting my incorrect address. XXXX and XXXX have my correct information list and have mail me copies of my report. please have Experian make the correction immediately. I will enclose a copy of my driver license and copy of a utilities bill showing my correct address. all of address should be removed. 

Thank you, 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 2021-01-05
Company: Experian Information Solutions Inc.
State: MO
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 an accounts reported by your company in the file you maintain under my Social Security number XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX/XXXX  I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

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 2023-11-16
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to request the removal of late payment entries associated with my account. I understand the impact of accurate credit reporting on my financial standing and am seeking your assistance in rectifying the information on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or their customer service representative. I recognize and take responsibility for the late payments. While I understand the importance of adhering to payment schedules, I believe that the removal of these late payments would better reflect my overall creditworthiness. I am aware that your company follows certain policies and procedures, and I am prepared to provide any necessary documentation or information to support my request. If there is a formal process for disputing or requesting the removal of late payments, please guide me on the steps required.

Company response to consumer: In progress
Consumer complaint received 2020-06-03
Company: PNC Bank N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I opened my XXXX account on XX/XX/2015 and was able to connect my first, original PNC account just fine. For the past two (  maybe three ) years, I wanted to close my XXXX  account, but I am unable to connect my XXXX account with my new PNC account. 

I just want to withdraw my money from my XXXX account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: SERVICEMAC, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We closed in the purchase of our home i XXXX, XXXX. Since then our loan servicer has changed twice. We are required to escrow our property taxes, PMI, school taxes and home owners insurance. In XXXX XXXX New York our school taxes are due XX/XX/2022. Our taxes went unpaid, in the amount of : {$3100.00}. They were not paid as of XXXX XXXX so i called customer service and was assured it was an oversight and they would be paid. In XXXX we received our property taxes, now, including the school taxes and late fees, and our property taxes which are approximately {$890.00}. I again notified our mortgage Company. Who paid both the school- which will be rejected- because the taxes are included on the property tax. I have several issues : 1. I contacted the loan servicer by email, phone and no one understands what im talking about. 2. i should have to pay late fees that were the fault of the servicer. 3. I have received zero explanation 4. Now, because they dont understand how taxes should work, they have over escrowed us by {$5000.00} for the XXXX  year-and thats not correct. It increases my monthly payment and will directly influence my ability to pay.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting Act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. I know I have the right to fair credit report there is alot of inaccurate information provided also stating that per FCR LAW is valid and that is false. I also know I have a right to privacy and a consumer reporting agency can not furnish a account without my written instructions. I also read that a consumer reporting agency can not furnish a account without my written instructions. 

1-XXXX  ACCOUNT # XXXX 2-XXXX  ACCOUNT # XXXX 3-XXXX  XXXX, XXXX ACCOUNT # XXXX 4-XXXX ACCOUNT # XXXX 5XXXX ACCOUNT # XXXX 6XXXX ACCOUNT # XXXX 7-XXXX  ACCOUNT # XXXX 8-XXXX  XXXX  ACCOUNT # XXXX 9-XXXX XXXX ACCOUNT # XXXX 10-XXXX  XXXX  ACCOUNT # XXXX 11XXXX XXXX ACCOUNT # XXXX 12-XXXX XXXX ACCOUNT # XXXX 13-XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) ACCOUNT # XXXX 14XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT # XXXX 15XXXX XXXX ( Original Creditor : XXXX XXXX  ) ACCOUNT # XXXX 16XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) ACCOUNT # XXXX 17XXXX ACCOUNT # XXXX 18XXXX XXXX  ACCOUNT # XXXX 19XXXX ACCOUNT # XXXX 20XXXX XXXX  XXXX ACCOUNT # XXXX 21-XXXX XXXX XXXXXXXX ACCOUNT # XXXX 22-XXXX XXXX ACCOUNT # XXXX 23-XXXX ACCOUNT # XXXX 24XXXX ACCOUNT # XXXX 25XXXX XXXX XXXX ACCOUNT # XXXX 26XXXX XXXX - ACCOUNT # 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 2020-12-26
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently put up a copy of my credit report I saw a bunch of inaccuracies on my reports. I immediately reached out to the bureaus about this issue. I have read online that the bureaus have 45 to 60 days to do a investigation and I have waited patiently. I sent my letter dated XXXX I have still not heard anything back from the From the bureaus letting me letting me know that they have even started on my dispute. I believe this information is in accurate and whatever it has not been validated must be deleted according to the FCRA section 611 please Reech to to them and help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY CARD AND USED MY IDENTITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH FEDERAL AND LOCAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: ADIR INTERNATIONAL LLC
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I first received a notice of a new account appearing on my credit report in my name on XX/XX/2022. I then checked my credit report and a new account had been added but from a company I had never heard of. I sent an email to the company ( Curacao ) regarding this fraudulent account but never received a response. On XX/XX/2022 I received an invoice in the mail from Curacao and on XX/XX/2022 I called customer service and spoke with XXXX at XXXX regarding my issue and she stated that she had started a fraud ticket and that the fraud department would be in touch with me. While waiting I froze my credit accounts and also sent a dispute letter with a copy of the invoice via certified letter on XX/XX/2022 and it was received on XX/XX/2022. But I received no response. I then received a physical credit card in the mail from Curacao and I then called customer service and spoke with XXXX on XX/XX/2022 at XXXX am where he told me that the account had been blocked and not further purchases could be made. I then inquired where the actual fraud took place and he told me at their store location in XXXX, Arizona. I filed a police report immediately with the XXXX Police Department regarding the identity theft and it was approved XX/XX/XXXX. On XX/XX/XXXX I was then contact by XXXX regarding the disputed account and both XXXX and I both spoke with XXXX, the fraud analyst from Curacao, on the phone. She informed me that she would be sending an affidavit that I would have to fill out and get notarized so she could further investigate. I received the affidavit on XX/XX/XXXX, but she also required several other documents in order for the claim to be further investigated. On the letter it stated that, " You must respond within the required time frame, or our company will consider that you accept full responsibility of this debt. '' I sent the forms required on XX/XX/2022 and they were received on XX/XX/2022, why weren't all these forms required when this account was opened in my name? I sent an email to XXXX on XX/XX/XXXX regarding the certified letter that I sent and she responded saying that she would follow up once she received the certified mail. I sent another email on XX/XX/XXXX and I have not had any emails or voicemails from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I am in the process of purchasing my first home and my loan is contingent on the 3 collection accounts on my credit report not having any dispute Verbiage on the remarks. These collection accounts were disputed directly to the credit bureau over a year ago and all came back as verified, however the creditors or the credit bureau continue to put that these accounts are currently being disputed by the consumer which they are not. In an attempt to resolve this matter myself i called all 3 credit bureaus and explained the situation and they all stated they removed the dispute verbiage, however when my lender ran my credit again the dispute verbiage was still there. I then called all 3 credit bureaus again and was advised that this is being placed on my credit from the creditors when they report monthly. I call each individual creditor and they all apologized and stated they updated their records for reporting except for Fair Collections & Out, when i called them today on XX/XX/23 @ XXXX Pst I first spoke to XXXX XXXX XXXX who advised me that once the account is disputed, they always report it as disputed regardless which is highly illegal. I asked to speak to a manager in which XXXX XXXX got smart with me and refused to transfer me then i was magically disconnected. I then called back and spoke to collections XXXX XXXX XXXX who advised me XXXX XXXX was correct once account is disputed, they always report it as disputed to the credit bureau. This practice is a violation as you can not report that the consumer has an active dispute when you have no proof. this has not only costed me money it's causing me a decrease in my credit score as my lender has to repeatedly run a Hard mortgage inquiry to see if the dispute verbiage has been updated correctly or not in which is hasn't been. The credit bureaus and creditors are playing a blame game and me the consumer is paying for it. I am in the process of getting my own legal counsel to assist in resolving these issues, but I was advised by a friend to file a complaint with CFPB since I am getting the run around from the credit bureau.

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 2020-12-26
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1. My credit bureaus account shows I am not a home owner with Peoples United Bank. 

2. I have a XXXX/HUD for {$50000.00} in my name attached to my home. I do qualify for forbearance moratorium. 
This loan is still active on my title as 2nd mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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: Account information incorrect

Complaint:
XXXX  consumer incorrectly reported 2 late payments on my credit and I want it removed immediately. I am currently speaking with a lawyer and I will file a lawsuit if they continue to falsely report activity on my credit report. Inaccurate information needs to be removed immediately or I will continue with legal action. I want the two late payments removed immediately. I will also be contacting law enforcement for financial harassment by XXXX if the late payments are not removed by the end of XX/XX/2023.

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 2022-10-09
Company: Experian Information Solutions Inc.
State: DE
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 for account number 1.Department of Education acct XXXX XXXX 2.XXXX XXXX  acct # XXXX 3.XXXX acct # XXXX XXXX. XXXX acct # XXXX Has violated my rights 15 USC 1681 section 602a states I have the rights to privacy 15 USC 1681 604a section 2 consumer reporting agency can not purchase account without my written instruction.

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 2023-11-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I called in XXXX to try to resolve the issue and still nobody resolved the issue we now in XXXX of XXXX  and it's still the same issue I sent documents they told me they see half of my documents they can't see my ID and all this other stuff and it's not making no sense because how many times can I submit the same documents do I submit my police report and still nobody fixed this a supervisor goes and tell me it was a error made from our end and I'm gon na fix it and then come to find out it was never fixed months later and every time I try to put in an application to we get replacements of credit cards that the laws the application get blocked due to the fact of Experian not updating my file

Company response to consumer: In progress
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: NJ
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:
This information is incorrect, fraud, please delete this information. all inquiries is fraud. 
THIS INFORMATION IS INCORRECT IS FRAUD DELETED INFORMATION PLEASE. XXXX XXXX XXXXXXXXXXXX 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 2021-01-05
Company: Experian Information Solutions 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 an accounts reported by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the item was deleted from my credit report. XXXX, XXXX XXXX XXXX XXXX Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

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