BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: WELLS FARGO & COMPANY
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:
On XX/XX/XXXX, two unauthorized charges were made of the amount {$860.00} and {$860.00} ( totaling {$1700.00} ), both for " PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CARD XXXX. '' I did not authorize these charges and was NOT in XXXX XXXX. I received an email at XXXX CT that these charges were made and called Wells Fargo approximately 15 minutes later on XX/XX/XXXX to report this unauthorized charge. Wells Fargo mislabeled the issue as " Don't remember this transaction '' and I called Wells Fargo claim department again on XX/XX/XXXX to follow up so that I could clarify that I never made the transaction in the first place. In my statement, I specifically stated that I did NOT have the card with me in my possession when these transactions were made. Finally, XX/XX/XXXX the claim was closed and I was not given back my funds. In the process, not once did they reach out for questioning or more information. I called on XX/XX/XXXX to request the claim be reopened and was told simply that the purchase must have been authorized because the chip was used. However, the card was NOT in my possession when the purchases were made, I was not in XXXX XXXX, and further, I contacted XXXX and individuals of the age of XXXX are NOT able to rent a car from XXXX in 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 monetary relief
Consumer complaint received 2023-01-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
PLEASE SEE THE ATTACHED LETTER THAT WAS SENT LAST MONTH TO PORTFOLIO RECOVERY. I AM ASKING FOR VALIDATION BECUASE THIS ACCOUNT DOES NOT LOOK FAMILIAR TO ME AND I HAVE BEEN COMPENSATED FOR A DATA BREACH SO THIS MAY BE THE CASE. ALSO, I DONT SEE THAT PORTFOLIO RECOVERY IS LICENSED IN THE STATE OF TEXAS TO COLLECT DEBT. I CAN BE WRONG BUT PLEASE REFER TO THE LETTER AND PROVIDE THE REQUIRED INFORMATION. IF NOT, PLEASE CONTACT THE BUREAUS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS IMMEDIATELY. EITHER WAY, I AM EXPECTING A RESPONSE REGARDING THIS ACCOUNT. PLEASE SEE THE ATTACHED LETTER DATED AND TIME STAMPED FOR YOUR REFERENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: VA
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:
On XXXX/XXXX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 60 days since I sent my letter and I have yet to receive a response. I'm not sure if my disputes are being ignored and I am being taken advantage of. It is stated in section 611 ( a ), that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. It has been over 60 days so they should be deleted at once. I demand these accounts be deleted immediately or I will have to file for litigation. This situation has caused stress and has negatively affected my living situation. I feel that these accounts are adversely affecting my credit report and costing me countless dollars in interest. My information was also impacted by the XXXX Data Breach and may have got into the hands of the wrong person.

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 2023-01-10
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
According to the Fair Credit Reporting Act, 15 United States Code 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 United States Code 1681 section 602 : states I have the right to privacy. 15 United States Code 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 United States Code 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 



I'm requesting Debt validation with United States XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX : 1. A copy of the original contract with MY SIGNATURE for the debt listed below.

2. Full payment history from original creditor 3. The name and address of the original creditor 4. Proof that you now own or assigned the debt to collections I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. You have NOT provided me a copy of ANY original documentation required under 15 United States Code 1681 Section 609 ( a ) ( 1 ) ( A ) & 15 United States Code 1681 Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 15 United States Code 1681 Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 United States Code 1681 Section 617 if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the Fair Credit Reporting Act. 



I demand the following accounts be verified or deleted immediately. Account Account Number Provide Physical Verification United States XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX Please remove all non-account holding inquiries over 180 days old. 



Please add a XXXX Suppression to my credit file. 



Thank You, 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 2021-03-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: FL
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:
I have attached 2 FTC reports with inquiries I did not authorize or recognize, please delete

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 2022-02-16
Company: Mr. Cooper Group Inc.
State: RI
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:
I am writing for two reasons. I was not informed or included in a legal settlement with CPFB and Nationstar Mortgage, dba Mr. Cooper. I believe that I should have been included in the damages paid for Mr. Cooper 's fraudulent practices because I have been complaining for years about their fraud in my mortgage account. Secondly, I am including documentation that shows Nationstar fabricated my credit report by reporting late payments when I paid on time. The discrepancy in my payment and the mortgage amount is because of Mr. Cooper manipulating my escrow account and changing my mortgage payment frequently without adequate notice starting XX/XX/XXXX and continued unit XXXX. I have never been 30, 60, or 90 days late for any mortgage payment. Nationstar has a routine practice of changing escrow with less than 30 days notice then holding timely payments in a separate suspense account and not giving credit for the payments made on time. The amount of the differences were less than {$100.00}. Nationstar routinely made adjustments then penalized mortgagees and damaged my credit for no reason other than manipulation of my account. The statements that I am providing were created more recently and were never provided to me at the time of the alleged late payments. The statements show payments being received by Nationstar when they were reporting my payments late but in fact where deposited into a suspense account. This should have been part of the litigation settlement which I should have been a part of. I did request a forbearance which I received because I temporarily lost my job during the Great Recession. The problem I have is that Nationstar has refused to remove the negative credit report because of their malfeasance in manipulation of escrow. Regular and frequent escrow calculations are not the norm in any other mortgage servicer and XXXX did so out of fraud. I have attempted to get clarification from Nationstar but they have never provided a full accounting for why the escrow frequently changed from month to month from XX/XX/XXXX until XX/XX/XXXX. In addition, Nationstar has frequently reported payments made on time as late which has damaged my credit score for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have written the 3 bureaus to investigate and remove XXXX XXXX XXXX XXXX XXXX XXXX from my credit file, I never gave them written permission to furnish this information on my credit report. 

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
I am requesting the following specific information related to your investigation : Proof of Investigation : Please provide documentation or records showing the steps taken during the investigation process to validate the accuracy of this account.

Parties Investigated : Please specify the entities or individuals that were investigated in connection with this account, including the creditor and any other relevant parties.

Investigation Timeline : Provide a detailed timeline of when the investigation was initiated, conducted, and concluded. 
It is essential for me to have access to this information to ensure that the reporting of this account on my credit report is accurate and complies with the Fair Credit Reporting Act ( FCRA ). 
I understand that you have a legal obligation to respond to this request within 30 days of receipt, as per the FCRA. If you can not provide the requested documentation within this timeframe or if you find that the account is not verifiable, I request that you delete the account from my credit report immediately. 
I appreciate your prompt attention to this matter and your compliance with the provisions of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
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:
After looking over my consumer report I've noticed that Experian is reporting accounts and information that's in violation of multiple consumer laws. I mailed them a letter asking them to investigate and remove these accounts that's illegally reporting. The companies listed in the letter are companies who I have no knowledge of and not sure why they have my personal information. I never gave them permission to share my information with anybody which violates my right to privacy pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. How can I owe a debt if there was never an agreement for a balance to occur. This account shouldn't be reporting anyway without proof and verification in which it has to be removed pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( 5 ) Treatment of inaccurate or unverifiable information.

Violations committed : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681e - Compliance procedures

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: GA
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:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. XXXX, XXXX, & Equifax assumed this role without permission not only that they did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise their grave responsibility, & is unfair, & partial. XXXX never had a permissible purpose Under 1681 b number 2. I never instructed XXXX to furnish this report and I never consented to this report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
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: Information is missing that should be on the report

Complaint:
I uploaded all documentation of my current address and I called 3 times each time the reps assured me that they are attaching the docs and it will be updated, they even wrote on XXXX of the outcomes that the address change requested was updated. 
Now since my address got off my report ( a few months ago ) I can not obtain a credit report for my mortgage lender... I am XXXX! 

I tried 3 times as mentioned I hope they will help me now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To Whom It May Concern, XXXX XXXX has a paid collection that appears on my credit report. I have tried to get this account removed several times and I can't understand why the company has all this power to damange my credit and I have no power to correct it? Why is their word superior to mine? I paid this account before it was a collection ... yet it still shows on my report as a paid collection and that is not right! Why can't I get this fixed?

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 2021-09-28
Company: EQUIFAX, INC.
State: NY
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Mr. Cooper Group Inc.
State: MI
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:
To XXXX XXXX of Mr. COOPER and calls answered by night as Nation star and that you responded to my complaint of loan no. XXXX in an email dated XX/XX/21 at XXXX unfairly to me. First, prior to our phone discussion that I had already called your company several times and by giving my identifiers to them about my loan above. They all confirmed it was my loan but said that there were no property attached. Then I spoke to you whom promised to research and provide details from the papers I faxed to you and please share those papers with the CFPB. After you received my papers and I called everyone started saying the loan number did not exist in your system. Then you sent to me, BELOW, Hi XXXX, This document explains that prop was purchased in another name of another through XXXX XXXX. 

I would call XXXX XXXX as we no longer have anything to do with this loan. 

Mr. XXXX you promised me to be straight and honest with me about the Fraud you now know is exactly what your looking at and trying to conceal it. I demand that you reveal all factual evidence to the CFPB so that they can deal with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that 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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation