BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-02
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: Their investigation did not fix an error on your report

Complaint:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 90 plus ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) The date of last activity on this account was on XX/XX/XXXX. It would be impossible to be late on an account where no payments have been made since XXXX. Also, there is a new reporting date of XX/XX/XXXX. It is a violation of the Fair Credit Reporting Act to re-age an account and change the account number to report as current. The FCRA is mandated to report accurate account information on a credit report. This false reporting of a chargeoff account with lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-12-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2023-09-05
Company: U.S. BANCORP
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Log in Weve accepted your deposit. 
Status : Accepted Your deposit should be available within one business day. In most cases you will have access to at least the first {$220.00} right away. In some cases, it will take one business day to make the entire deposited funds available. 
Date : XX/XX/2023 Amount : {$200.00} Account ending in : XXXX Hold on to your check. 
Wait to shred your paper check for at least 2 business days in case we need more details. You can view images of your check in your apps mobile deposit history. 
If you have questions, visit our mobile check deposit FAQs for help. 



















XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX U.S. Bank XXXX XXXX XXXX XXXX, MN XXXX Dear XXXX XXXX XXXX : This is the second letter in 30 days I am writing to you and the issue has yet to be resolved. Again, I am being taken advance of ( maybe because of age ) and another late fee applied. 
I will follow up with a complaint to the Comptroller of the Currency 's ( OCC ). 
Yesterday I received a call from US Bank stating again my account was past due! 
Wrong, I made the payment five days ago XX/XX/2023. Enclosed is a document. 
My phone number XXXX, check your incoming calls. 
I was lied to again and the phone calls on XX/XX/XXXX and XX/XX/XXXX should be reviewed by your staff and Comptroller of the Currency 's ( OCC ). 
US Bank has such a cavalier attitude or maybe because I am XXXX XXXX XXXX. 
I know this will effort my credit score. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, NC XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX U.S. Bank XXXX XXXX XXXX XXXX, MN XXXX Dear XXXX XXXX XXXX : This is the second letter in 30 days I am writing to you and the issue has yet to be resolved. Again, I am being taken advance of ( maybe because of age ) and another late fee applied. 
I will follow up with a complaint to the Comptroller of the Currency 's ( OCC ). 
Yesterday I received a call from US Bank stating again my account was past due! 
Wrong, I made the payment five days ago XX/XX/2023. Enclosed is a document. 
I was lied to again and the phone calls on XX/XX/XXXX and XX/XX/XXXX should be reviewed by your staff and Comptroller of the Currency 's ( OCC ). 
US Bank has such a cavalier attitude or maybe because I am XXXX XXXX XXXX. 
I know this will effort my credit score. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2023-09-08
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/23 I transferred {$1800.00}, via Zelle XXXX XXXX ) based on an e-mail that I received from my XXXX. E-mail was a standard method of communication between us. Per the e-mail I submitted the 50 % down payment to " his accountant '' ( I referenced my XXXX 's name and the project details in the title and memo section with Zelle XXXX. On XX/XX/23 I met with my contractor at the project site. My contractor indicated that someone must have hacked his e-mail account and that he did not send me the e-mail. The history of the e-mails I received shows his valid e-mail address. My contractor filed a police report as did I. 

I immediately called my bank, XXXX, to report the " mislead scam ''. I provided them with all of the information over the phone, including details for them to confirm that this was a " mislead scam ''. I offered to provide additional information, if they needed it. At no point did they ask for additional information. They ultimately rejected my claim indicating that " they processed the Zelle transaction as requested ''. I immediately called XXXX again to provide them with additional information to show " mislead scam ''. They ultimately rejected the second claim under the guise of " they already rejected my initial claim ''. 

I then contacted my XXXX XXXX XXXX and sent him copies of the two police reports and all e-mail correspondence with my contractor 's e-mail address. A few days ago they rejected that claim solely on the basis that there were no longer funds in the receiving bank account ( we all know scammers immediately move the funds ). I initiated more research and found out that Zelle/XXXX XXXX  implemented new procedures regarding " mislead scams '' that XXXX quality for. However, as of today ( XX/XX/23 ), XXXX refuses to get the receiving bank to send the funds back to XXXX. My understanding is that member Banks ' terms of service should have changed that allow for this provision. Yet, XXXX continues to reject my claim. I believe that XXXX committed material misrepresentations to me by saying " they have to reject my claim because there are no longer funds in the receiving bank account ''. 

My contact at XXXX is XXXX XXXX ( XXXX VP Wealth Market Leader, XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
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:
I repeatedly asked for evidence from XXXX, TransUnion, and XXXX to support their reporting, but yet again, they failed to provide me with a copy of any viable evidence submitted by the Bankruptcy courts substantiating their claims, which is an additional violation of The Fair Credit Reporting Act 611 ( a ) ( 7 ). Given that I believe that they are acting in bad faith, and have not complied with the FCRA. I have attached proof from the courts that they do not provide any information to credit agencies. And I have maintained records of all actions. The agencies claiming to get information from a court, when its actually obtained from an unnamed 3rd party that could be easily be considered false information on my report. I repeatedly requested for the Bankruptcy be removed from my report because it is an inaccurate unverified account.

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 2023-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Personal information incorrect

Complaint:
I noticed on my XXXX Credit Report that there was an address that I have never lived in. This one address is XXXX XXXX XXXX XXXX, CA XXXX. I have never lived in this address. I don't know this address. I don't know anybody who lives in this house. Please remove it from 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 non-monetary relief
Consumer complaint received 2022-11-18
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX and 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2020-09-18
Company: Experian Information Solutions Inc.
State: MA
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 was shocked when I reviewed my credit report and found late payment on XXXX of XXXX and XXXX of XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2022-11-18
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2019 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Early Warning Services, LLC
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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The Company : 1. has refused to provide me with validation and assignment of debt documentation. 

2. has threatened legal action and threatened to ruin my credit 3. asserted that I was a liar and that they will feircely collect on a debt their client claims to be valid. 

4. has given no credence to the fact that this debt does not belong to me 5. is essentially using bullying tactics contrary to the law. 

6. blatant refusal to provide me with contractual proof of debt evidences there unlawful collection practices. 

7. company has called my phone despite clear instructions not to. 

8. is in violation of the FDCPA, FCCA It is to be noted that this bully tactic will not work with me, nor will I sit back and allow an unscrupulous company to infringe upon my rights. Law suit is imminent. 

cc. State Attorney Office, CFPB, FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Consumer Portfolio Services, Inc.
State: TN
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:
Wednesday night XX/XX/18, I got an alert from XXXX XXXX saying that I had a new credit inquiry from Consumer Portfolio Services. I knew right away that I did not apply for credit or authorize that inquiry. I then submitted a dispute on XXXX, which is the bureau this inquiry appeared on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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:
I disputed all of these issues directly with Equifax regarding all inaccurate information. Ranging from wrong names, wrong addresses, wrong identity, etc. I provided proof of my identity to the bureau as they requested. No actions taken by the companies as of yet All addresses are wrong with the exception of the updated address. 

This is a different XXXX XXXX. I have never received service from this place. Verify and validate and remove immediately, please. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX {$4300.00} Date assigned XX/XX/XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original amount owed {$75.00} Original creditor XXXX XXXX XXXX XXXX Date assigned XX/XX/XXXX Agency XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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
Consumer complaint received 2022-11-18
Company: Account Management Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter in the mail from ACCOUNT MANAGEMENT SERVICES, Inc. XX/XX/2022. I contacted the company via their web site XXXX XXXX XXXX and requested that the company validate this debt on XX/XX/2022. ACCOUNT MANAGEMENT SERVICES, Inc. never responded to my request to validate the debt. In XXXX of this year, I checked my credit report and seen that ACCOUNT MANAGEMENT SERVICES, Inc. is reporting negative account information on my credit report as of XX/XX/2022. ACCOUNT MANAGEMENT SERVICES , Inc. has done a great deal of damage to my credit and have violated all of my consumer rights under the Fair Debt Collection Practices Act 15 U.S.C 1681. I have provided the details I submitted on ACCOUNT MANAGEMENT SERVICES, Inc's., website along with a screenshot of that submission from XX/XX/2022.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I wish to file a complaint with the Consumer Finance Protection Bureau ( CFPB ) against PHH Loan Servicing. We purchased our home from XXXX XXXX XXXX in XX/XX/XXXX for {$440.00}, XXXX. XX/XX/XXXX, we signed a loan modification with PHH in the amount {$450.00}, XXXX, which is {$11.00}, XXXX more than we paid for our home 14 years ago. This increased amount to our mortgage loan is not accurate. I have made mortgage payments for 14 years ; we get a loan modification and the modified amount is higher than the original loan for our home. Where did the money go from the payments that were made over the past 14 years? I placed a call to a PHH Relationship Manager to inquire why the loan modification amount was higher than the original loan amount. The relationship manager could/would not tell me why the loan modification amount was higher and that it didnt matter because I signed the loan modification. In XX/XX/XXXX, a loan audit was conducted by XXXX XXXX XXXX, ( located in XXXX, MD ) on my current PHH mortgage. The audit report revealed errors in the calculations of the loan modification amount ( see attached audit report ). PHH was provided a notarized copy of the audit report via certified mail on XX/XX/XXXX and was required to respond to the affidavit within 30 days. PHH did not provide the requested breakdown of the loan modification amount as requested in the mortgage audit report but provided me an amortization payment schedule of the loan modification ( see attached dated XXXX ). I did not request an amortization schedule as I know what the payment dates and amounts of my loan are. I specifically requested a breakdown of the loan modification amount to reflect where the increases were, if any. I received a response letter from PHH dated XX/XX/XXXX, again PHH that did not explain/provide the information that I had requested. The response letter showed that {$69000.00} was added to my loan on XX/XX/XXXX ( see page 4 of the Customer Account Activity Statement included in the PHH response letter ). Why was this amount added to my loan? I have attached all documents that were forwarded to PHH as a result of the mortgage audit, and you can clearly see what information was requested and what was provided to me. I look forward to hearing from your office. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-09-05
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
I opened a credit card with Citibank a few years ago as a way to build my credit. I successfully kept up payments and utilization ratio. After a year I was offered an upgraded credit card. Unfortunately recently there were fraudulent charges that were flagged. I told them that it was indeed fraudulent. They said they needed to send me a new card and would need to close the current account. I was confused and asked how would it affect my credit score, since closing an account is terrible for your credit score. They said it would have no affect since it was due to fraudulent charges. I gave them my addressed 3 separate times, and 3 separate times it was rejected. I dont understand as I get mail and packages all of the time. I decided to check my credit score today and it dropped by XXXX points. I feel wronged as they lied to me and caused me harm. I did not ask for fraudulent charges nor for my account to be closed nor for this to be reported and cause harm to my credit score. Now I will be unable to get an apartment or mortgage. I have no idea what to do and should not have to shoulder the responsibility of fixing this. Citibank needs to fix it.

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