BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-08
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I obtained a mortgage payoff for a refinance. I bought the home for {$59000.00} in XXXX. In XX/XX/XXXX I owed {$50000.00} on the mortgage. When the payoff arrived, it was inflated to {$64000.00}. Wells Fargo claimed this was for escrow. I have records where the payments were applied to escrow. So it's not possible that I owe {$64000.00} when the loan balance is {$50000.00}

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 2023-06-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Complaint Regarding Unrecognized Account and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized account. Additionally, I have reason to believe that these account may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized account listed on my credit report, which I believe to be a consequence of identity theft, are as follows : XXXX XXXX  XXXX XX/XX/2022 I have taken immediate action by reporting the identity theft to the relevant authorities. However, it is alarming to find these unauthorized ACCOUNT on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being.

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized account. I urge you to consider the impact of these account on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In the spring of XXXX, I paid off my Lane Bryant credit card balance over the phone with Comenity Collections. Somehow, after payoff I was charged late fees and finance charges. Since I had paid off the card and was asked the payoff amount, I did not realize this occurred so on XX/XX/XXXX I had a balance due again that was in collections with Comenity. Over the phone, I specifically asked for the payoff amount to avoid having this happen again. I accepted responsibility and paid the account balance I was told and informed the representative of my concern that " additional '' costs would be applied like last time and I wanted to avoid that. I was told to call Lane Bryant in about XXXX weeks to check the status to make sure everything was clear. I received an email notice that I had a bill but for some reason could not open my account by my phone as usual ( screen disappears as soon as I select card instead of shop ). 
Therefore, I called Lane Bryant Customer Service at XXXXXXXX XXXX on XX/XX/XXXX and was told that there was no balance on my card. I thought I had taken care of everything. On XX/XX/XXXX at XXXXXXXX XXXX, I received a text message from Comenity Bank indicating I need to make a payment to XXXX. I called Lane Bryant but the call went to the Collections. I was told I had a finance charge and XXXX late payments to pay. I told them I was not paying finance charges and late payments on a bill I paid off a second time, especially after taking the necessary steps to make sure I was paying the account in full, and calling as I was instructed to do. After a XXXX phone call of us going back and forth ( them refusing to clear my charges, me telling them I wanted the information to file a dispute ), I was never given the information to file a dispute and then all of a sudden the representative came back on the line and kept saying, " hello are you there? XXXX XXXX are you there? '' I kept responding but she kept repeating that for about 1-2 minutes ( although we had no previous call issues for XXXX minutes ) and then reported, " XXXX since you are not answering, I'm hanging up the phone. Please call Lane Bryant back if you have more questions. '' I tried to sign into my card account today from my laptop to find the details of payments to write my dispute and it appears as if I no longer have an account and I can not tell if I still owe the money. I'm concerned this is still being reported to the credit bureau and I have been unfairly reported for 2 months for a balance that I should have never been charged. 

I have copies of my phone records to show the calls were made to Lane Bryant. I also have the Comenity charges in my XXXX XXXX account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-29
Company: Credit Systems International, 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: Account information incorrect

Complaint:
This collection agency is reporting that I owe a debt, but I never had an obligation with this company. Please send me the forward flow agreement as I have this right as a consumer. I will also like a copy of the contract bearing my signature as well as a copy of my proof of identity. Also, this account was added to my report within the last 30 days and I was not mailed anything prior informing me of this. Please attach the letter that was mailed to me. If you can not furnish the information requested remove the following account from my credit report immediately : XXXX XXXX XXXX In XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: GOLDMAN SACHS BANK USA
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: Information belongs to someone else

Complaint:
These accounts do not belong to me. Please remove the negative items as soon as possible. 

1. Identity Theft XXXX XXXX  Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft GS BANK USA Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is in reference to previous complaintXXXX. 
I am enclosing XXXX and XXXX year summary for the credit card ending in XXXX. 
my previous correspondence, required an answer to WHY i WAS CHARGE IN THE MONTH OF XXXX 5X 40 = {$200.00} " returned check/bank declined transaction "!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRUIST FINANCIAL CORPORATION
State: MD
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 CFPB Team, I hope this email finds you well. I am reaching out to you as I have recently discovered a note on my credit report that has inaccurately stated that there was a late payment in XXXXXXXX XXXX XXXX from XXXX. I would like to bring to your attention that this information is incorrect and that I would like it promptly removed from my credit report, as it could potentially hurt my credit score and overall financial status. 

According to the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and complete information to credit bureaus, and must investigate and correct any errors that are brought to their attention. This Act clearly states that consumers have the right to dispute any inaccuracies and have them corrected in a timely manner. 

I have already contacted XXXX  and have informed them of this mistake. However, they have yet to act on my request to remove the erroneous information. I believe this is a breach of FCRA regulations and it is unfair for me to be penalized due to their mistake. 

I take my financial responsibilities seriously, and it is crucial that my credit report accurately reflects my payment history. Therefore, I am urging your team to take the necessary steps to ensure that this error is corrected as soon as possible. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon. If you require any further information or assistance from me, please do not hesitate to ask. 

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 2021-12-20
Company: Experian Information Solutions Inc.
State: PA
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:
These two accounts are supposed to be immediately REMOVED BLOCKED DELETED. This a FRCA law violation the information is not displayed across all three bureaus.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be fraudulent. The disputed inquiries do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the inquiries are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX  IN XXXX Balance : -, XXXX XXXX  XXXX XXXX XXXX. XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize to open a line of credit with XXXX XXXX, my information was given to them without my authorization by XXXX technicians and used to open accounts with them. This resulted in a Hard Inquiry on my credit and a Line of credit showing up my credit reports, in which I did not authorized.

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 2022-12-07
Company: Experian Information Solutions Inc.
State: PA
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 this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX Card- Account Number XXXXXXXX XXXX XXXXXXXX As XXXX know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 

I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 


Best Regards, XXXX : XXXX XXXX XXXX XXXX Prejudice, All Natural Inalienable Rights Reserved

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 2021-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company did not have permissible purpose to furnish anything on my consumer report. I did not give this company my written instructions to furnish anything on my consumer report. Furthermore, I did not engage in any consumer credit transaction with this company therefore they should not have any of my information. They have infringed upon a consumers right to privacy by obtaining my information without my consent. Moreover, the account is with CAPITAL ONE BANK, which contains a finance charge and a finance charge is the sum of all charges, thus this account was paid in full when the company obtained my credit card ( social security number ). Under federal law, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account shall not contain a balance nor should it be listed as a collection/charge-off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, 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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My Identity may have been compromised because my vehicle been stolen a while back and my personal information was taken out of the car.

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 2023-06-14
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Synchrony bank has mishandled the allocation of my monthly payments towards promotional " no interest '' if PIF purchases. Initially I was told via phone that my automatic payments were going to my oldest promotional purchases first. Later I was told over the phone that I needed to call in every month and explain to a representative how I wanted my payments allocated. Synchrony did NOT allocate my payments as requested every payment month. This was an intentional act on Synchronys part in order to cause my promotional purchases to default so they could collect interest. At no point should any of my promotions have gone into default. Each one was set to be paid in full before the promotions expiration date. Synchrony was willfully negligent in distributing my payments. I called Synchrony again to try and resolve the issue on XXXX/XXXX/XXXX. A supervisor refused to share phone records and told me to subpoena them if I wanted them. I have my cell phone records that show phone calls to their XXXX phone number that last anywhere from 15-30 minutes. These records show outgoing calls I made every month where I request allocation of my payments to older promotions so they would not default. During these calls I was assured each time my payment was being distributed as requested and my promotions were in good standing with no chance of defaulting. I have paid my remaining balance to Synchrony bank in full minus the accrued interest they are requesting. I have since closed my account and Synchrony continues to change interest after they broke their agreement to distribute my payments to the promotions I requested. They are obligated to remove any interest accrued on this account. Their previous response was unacceptable and it further illustrates my point. They could not locate phone records. Also the response did not provided a contact email or phone number from the responding representative.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Case Number : 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 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 2023-10-04
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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