BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-09
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2019 my credit score was 679-690. I filled a dispute on Experian and XXXX to verify that an old XXXX account was in fact closed. After I disputed requesting proof that and old XXXX account was closed or if it was still charge off I was notified within 2 days by XXXX that account was still in charge off. That information was posted to my credit report and caused my score to drop 40 points. The information posted was no different than whats been on my report for years. 

Ive worked hard, really really hard, for 5 years to build my credit score up. REALLY HARD. For my score to drop like this over an account dispute is despicable and wrong. I contact Experian and XXXX  both were not helpful. 

I explained that I Only was trying to verify information. And they said they couldnt do anything to fix my score. But that, that shouldnt have happened because no, new information was being reported. They said to wait a month and see if it resolves on its own and brings my score back up to where it was. Its been a month. Nothing has changed. Please fix.

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 2023-02-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Wells fargo blocked a transfer I made on XX/XX/17 for XXXX without informing me. My trust account was removed. I was told to add I again, what difference will I make. I need to prevent these things from happening

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 2018-08-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is regarding XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I originated 6 loans with XXXX XXXX XXXX in XXXX XXXX South Dakota. I made all 6 XXXX and XXXX payments to XXXX XXXX XXXX. 

Sometime in XXXX, 3 of these 6 loans were sold to XXXX XXXX XXXX XXXX. On XX/XX/XXXX, at the direction of XXXX customer service agent, I signed up and created my credentials on XXXX XXXX Secure Messaging System Portal. Through this portal, I made all 3 loan payments. Also on XX/XX/XXXX, I enrolled into autopay for all 3 loans ( see attached confirmation emails ). 

On XX/XX/XXXX, our office received a call from XXXX XXXX XXXX XXXX collection agent. I returned the call on XX/XX/XXXX. I was told that I hadn't made payments since XX/XX/XXXX. The checking account enrolled with autopay maintains a very sufficient balance to cover all payments. I don't monitor this account, hence the function of autopay. 

I immediately inquired with the XXXX representative regarding their reporting to credit bureaus and was informed XXXX has been reporting the derogatory items to the credit bureaus. I informed them that I could make all payments immediately and requested XXXX retract the derogatory credit reporting items. I was passed back and forth between XXXX Departments. I was initially instructed that XXXX couldn't make any changes to their credit reporting and would have to contact the credit bureaus directly. Then another XXXX representative told me to write a letter to their research department and they'd look into it ( see attached letter & XXXX response ). 

Given the conflicting responses and lack of concern for my credit and my financial future, I declined making payments. I inquired with my legal counsel as to next steps and direction to resolve this matter. I was advised by my counsel to make payments and bring account current. On XX/XX/XXXX I made this payment and am now current. However, after receiving an update of address letter on XX/XX/XXXX ( see attached ), XXXX commenced foreclosure without any notice on 1of the other loans and XXXX now won't accept payment. Additionally, 5 days after my initial communication with XXXX, XXXX sent notice of foreclosure on this property. 

I have never received physical mail prior XX/XX/XXXX from XXXX XXXX XXXX XXXX nor had I received any notifications of cancelled auto pay via XXXX XXXX Secure Messaging Portal. 

I was told my a XXXX representative that XXXX was using the wrong mailing address and that their system had noted mail being returned from their mailing address on file. 

My closing disclosure documents with XXXX XXXX denote my personal home address as my mailing address. XXXX has my personal address in their files. 

I need XXXX to correct their mistake and remove all derogatory credit reporting. 

I've spent many hours trying to remedy this with no help from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to file a formal complaint against XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) pertaining to the Capital One account with the number XXXX on my credit report. 

Violations : Failure to conduct a reasonable investigation ( FCRA Section 1681i ).

Reporting inaccurate information ( FCRA Section 1681e ). 
Inaccuracies : Reporting Past Due on a closed Account Balance is incorrect account was charged off for full amount Consumer owes {$0.00} The date open is incorrect Payment History incorrectly reporting Balance updated date incorrect I have previously notified XXXX of these inaccuracies, but despite this, no corrective action has been taken. I believe that their non-compliance with the FCRA has caused significant harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX am submitting this complaint that : In accordance with fair credit reporting act.the list of account below has violated my rights and federally protected consumer report. 
XXXX XXXX  -account # XXXX In accordance Fcra 15USC 1681s-2 ( A ) ( 1 ) A Person shall not Furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
IC Systems reported a {$350.00} collection account on my credit report. Prior to the appearance of this account, I did not receive a notice of my right to dispute.

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 2023-11-15
Company: CITIBANK, N.A.
State: MO
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:
Company violated FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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'm writing this letter to delete and correct some personal information that is damaging my credit report and is NOT permissible by law, because it is not my information, and it SHOULD NOT be on my credit report. My current and only adrdress is XXXX XXXX XXXX, MI XXXX. My current and only telephone number is XXXX. I ask you this one and final time Please remove all of these incorrect and erroneous items that does not belong on my credit report, and that is not aforementioned above.

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 2023-04-05
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The account that was opened was fraudulent and I have tried to show the The police report and I'd theft .gov papers and the photo of me and my address and they still say it mine and it's not... I'm disappointed in all this to correct something that isn't mine and never was and was never in California

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: ALLY FINANCIAL INC.
State: WY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Previously I submitted complaint number XXXX. 
After this complaint I got a letter from " XXXX '' saying she will be taking care of this personally and I can call her with any questions issues concerns etc. I was initially starting to look up at this situation, until I tried to call her. I have been unable to contact XXXX although I've called and left multiple messages ( 4 ) across multiple days. I received a release of lien in the mail shortly after submitting the complaint, and a XXXX message from a stranger .... Telling me that they ( on the other side of the country ) received mail addressed to a " XXXX XXXX '' containing my title and all of my personal information. So now, My title is on the other side of the country, in the hands of a stranger, and I am unable to contact ANYONE at ally about it. This seems like a major breach of personal information and on top of it a further example of the horrendous, unprofessional and inappropriate actions of Ally Financial and Ally Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2023-05-03
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: Account information incorrect

Complaint:
Dear XXXX XXXX XXXX XXXX XXXX, I am writing in response to your recent correspondence regarding my dispute of the accounts ending in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. As I previously stated, these accounts were opened without my permission and have caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's XXXX XXXX. 

Your response did not fully address my concerns and I am disappointed to see that you believe that the account ending in XXXX belongs to me. I maintain that this account was opened without my permission and I demand that it be removed from my credit report immediately. Your confirmation that you are reporting accurate information is simply not sufficient. In accordance with the FCRA and CFPB guidelines, I am requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report within 30 days of receipt of this letter. 

I am also demanding that you remove all other accounts that were opened without my permission from my credit report immediately. I understand that you have asked the CRAs to delete some of these accounts, but I want to make it clear that I am demanding their removal as well. 

I want to remind you that reporting of inaccurate information is in violation of [ 15 US C 1681 section 604 A Section 2 ] [ 15 USC 1681 Section 602 ] [ 15 US code 5 1681b ] and other CFPB regulations. Your failure to comply with these regulations could result in legal action against your company. 

I expect a prompt response to this letter and for all accounts that were opened without my permission to be removed from my credit report immediately. Please provide me with a written confirmation of your actions and a copy of my corrected credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin XXXX Section XXXX of the XXXX XXXX XXXX Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA Section 1681c of the FCRA Section 1681g of the FCRA Section 1681i of the FCRA

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 2022-10-21
Company: EQUIFAX, 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:
This company has violated my consumer rights by sharing medical information on my credit report. 15 usc 1681a ( 3 ) ( a ) ( b ) ( c ) clearly states that medical information should NOT be shared on my credit report. I lost my XXXX  year and I have been having a hard time trying to move out of the house that we shared together, however, I am force to stay with the memories. I will be reaching out stating my demands if this is not removed my my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-07-09
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I contacted Citi card recovery company in regards to my account that was charged off. They informed me to contact the Client Services a collection company that they sold my account to, so as I contacted the Client Services we agreed on a settlement and they was supposed to draft it out of my account. Days went by and, I noticed that they didnt draft the funds from out my account so immediately gave them a call and they then informed me that they no longer have account in there system because it was fraud on the account so they sent it back to Citi Recovery. So I contacted Citi recovery again for the second time and told me the same thing that sold my account to Client Services I explain to them what the company told and the agent told me to allow her sometime to look deeper in my file and then she came back and told me to call back on the XX/XX/XXXX because the system will be updated by then. On XX/XX/XXXX I called back to Citi Recovery and now they are telling me that they no longer have my account it was sold in XXXX and they dont have the company name they sold it to. When I asked the agent can she send me a letter in the mail stating that they no longer have my file and they not sure what company it was sold to she acted like she couldnt understand me and then hung up the phone on.

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 2020-07-20
Company: Experian Information Solutions Inc.
State: AR
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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report

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 2022-12-14
Company: EQUIFAX, INC.
State: MI
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'm writing this letter to delete and correct some personal information that is damaging my credit report and is NOT permissible by law, because it is not my information, and it SHOULD NOT be on my credit report. My current and only XXXX is XXXX XXXX XXXX, MI XXXX. My current and only telephone number is XXXX. I ask you this one and final time Please remove all of these incorrect and erroneous items that does not belong on my credit report, and that is not aforementioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
There is a XXXX XXXX account on my credit profile for XXXX and Equifax for a secured loan I never took out that is paid in full. I have submitted Identity theft reports to Equifax and XXXX both respectively but they fail to respond back to me with results of the investigation and have this account that doesn't belong to me still on my report. It is hurting my credit report because there is a XXXX day past due for XXXX  XXXX payment but this is not my account and this is paid in full. I need XXXX XXXX with the Account # XXXX to be removed off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: EQUIFAX, INC.
State: AR
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 the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as posible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, 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:
Upon checking my reports I see multiple inquiries from the same companies on various dates and timelines. I was not aware nor did I authorize with oral agreement/ written signature any of the following companies to review my credit profile and send information to the bureaus.I need these inquiries verified and proof provided for the validation of each inquiry. If none is given then I request that each inquiry with no proof of authorization be removed Here are the companies and dates of occurrences : Equifax : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX 1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation