BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration with Experian for their blatant disregard of the law and their continued inaccurate reporting of an alleged identity theft account on my consumer report. 

Despite following all the required steps outlined in your laws 15 USC 1681 C-2, Experian has failed to block the information related to the alleged identity theft account. This is preventing me and my household from accessing credit and causing severe damage to my reputation and character. This is unacceptable and can not be tolerated. 

On XX/XX/XXXX, I notified the creditor of the identity theft pursuant 15 USC 1681 S-2 ( 6 ) ( a ). I also sent notice to Experian, and they were supposed to block the information after XXXX days of notice. I provided them with an FTC identity theft report proving that the account came from identity theft. 

Consumer Law 15 USC 1681e ( b ) states that consumer reporting agencies have an obligation to maintain accuracy. Experian 's behavior is unacceptable and indicates they feel they are above the law. If the CFPB does not take action against them, they will also be liable for willful and negligent noncompliance with the FCRA. 

Experian 's willful and negligent failure to comply with the FCRA is evidenced by their failure to block the alleged identity theft account on my consumer report. It is outrageous that Experian believes they are above the law and continue to violate my rights. 

These credit bureaus have faced lawsuits for identity theft, including the following cases : The XXXX XXXX XXXX v. XXXX XXXX and Experian - Lawsuit filed in the XXXX XXXX XXXX  In XXXX, Experian faced a class-action lawsuit for allegedly selling consumer data to identity thieves. 
As the gatekeeper, it is your responsibility to hold these consumer agencies accountable and ensure they are abiding by the law. I am demanding that the identity theft account be immediately blocked and deleted from my consumer report and that Experian be held accountable for their continued violations. 

I demand that the CFPB takes immediate action and holds Experian accountable for their negligence and willful violation of the FCRA. It is your duty as the governing body to ensure that they are abiding by the law and that my rights are being protected. Failure to comply with my demands will result in legal action being taken against Experian and the CFPB. 

It is imperative that you understand the gravity of the situation. Failure on the part of the CFPB to exercise its authority over Experian would be a willful and negligent violation, and they will be held accountable. Thank you for your prompt attention to this matter.

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 2023-06-22
Company: PLANET HOME LENDING, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My ex husband got a house in my name. he XXXX XXXX  me i filed for XXXX  and the magistrate ordered him to refinance to get in his name in XXXX XXXXHe didnt do the magistrates order, I had to take him to court for contempt and finally won in XX/XX/2023. I need this removed from my credit. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The bank was contacted regarding my Paypal Mastercard ending in XXXX at the following number : XXXX on XX/XX/, resulting in an 25 minute phone call with overseas agents. The purpose of the call was an unrecognized transaction dated XX/XX/ for {$110.00}. After the lengthy phone call speaking with multiple overseas agents the following was supposed to have occurred : A provisional credit for the aforementioned {$110.00} and a new card number issued to be sent using a rush mailing status. On XX/XX/XXXX XXXX XXXX I personally reached the merchant for the mentioned charge, and they immediately issued a refund of {$110.00}. Upon checking the most recent account activity on XX/XX/XXXX XXXX  for the above card, no provisional credit was issued, the merchant refund is not appearing and the {$110.00} was charged a second time to the account on XX/XX/XXXX XXXX XXXX The payment on the account for {$600.00} dated XX/XX/3 has not been credited to the account, rather it was charged to the account as an adjustment on XX/XX/XXXX XXXX  for {$600.00}. Attached as proof is the following : payment on the account for {$600.00} dated XX/XX/XXXX XXXX XXXX proof of posting of the payment to the XXXXXXXX XXXX  account for {$600.00} posted XX/XX/, proof of the merchant issuing a {$110.00} credit on XX/XX/XXXX XXXX XXXX Paypal Mastercard account history as of XX/XX/.

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 2022-05-26
Company: JPMORGAN CHASE & CO.
State: PA
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, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: EQUIFAX, 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:
I XXXX XXXX ; XXXX and writing you today as an aggrieved man. I pulled my credit report with Equifax and there are many fraudulent, unauthorized items on my report. Ive notified Equifax that my identity was stolen, and fraud perpetrated upon me. I did not apply for credit anywhere at any time. Yet there are 6 Hard inquires on my report. I never applied or authorized an application for credit with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXX-XXXX, XXXX XXXX. I repeat I did not authorize anyone at any time to apply for credit in my name. I demand these fraudulent inquires be removed from my Equifax report immediately. I also have reported to Equifax many times I have never had a school loan with XXXX College. This fraudulent account has been disputed and removed from every credit report but Equifax. If Equifax does not remove this fraudulent account from my report, I will be filing an action against them in federal court!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, 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:
This complaint is from me a human person XXXX XXXX not a company or any other thing like that this is a formal complaint i used the templates provided by the ftc. I submitted a identity theft affidavit to the credit bureaus asking them to remove accounts that are identity theft, its my understanding that per the fair credit reporting act they have four days from the date of receiving those letters to remove those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: AMERICAN INTERNET MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had disputes about how AIM Loan handled our escrow accounts ( XXXX houses with them at the time ). They made double payments for our property taxes. As a result, we had access payment on our escrow account which they refunded to us ( {$5800.00} ) and closed our escrows. We misplaced the checks and called them on XX/XX/XXXX to reissue them. Today as of XX/XX/XXXX, we have not received them. 

Below are our attempts to contact them with no solution. 

Called on XX/XX/XXXX XXXX PM The normal timeline is XXXX days from XX/XX/XXXX Called on XX/XX/XXXX at XXXX AM They saw the request is still pending. Will accelerate. XXXX XXXX business days to cut the check. 

Called XXXX/XXXX/XXXX XXXX PM XXXX XXXX status > Still pending but will escalate 10 days. XXXX XXXX is there. 

Called XX/XX/XXXX XXXX PM Check Status > Refund checks should be ok regardless of a new servicer Called on XX/XX/XXXX at XXXX PM Still in process, recently escalated. 
XXXX ( supervisor in the cust svc dept ) will rush the checks & follow up call back with the request. 
Promised to call back on XX/XX/XXXX, at XXXX PM around this time from number XXXX but never heard from them. 

Called XXXX Customer Service Department on XX/XX/XXXX, at XXXX AM Tried to speak with XXXX XXXX with XXXX. She looked at the history XXXX sent an email 2 days ago. Will follow up with XXXX and then call me back. Will try to find out what took so long. The confirmed total amount for the check : XXXX of them : {$3000.00} + {$2700.00} + {$16.00}. 

As of XX/XX/XXXX Never heard back from either XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Alliance Collection Agencies, Inc.
State: WI
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 had an old medical bill that has been paid directly to the original creditor. This debt is still showing on my credit report even after disputing it, and showing proof of payment. I would like you to investigate this or else I will sue the credit reporting agencies for Libel.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DPT ED/XXXX  Account # : XXXX Account Name : DPT ED/XXXX  Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Affirm Holdings, Inc
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I recently applied for a loan with Affirm through XXXX, was denied based on payment history. The payment history I believe includes non payment of a loan applied for through XXXX, in which case, the item was returned back to merchant and XXXX tracking number provided to Affirm several times in prior CFPB complaints. The merchant, XXXX, initially verbally agreed to refund order, their rep said he would refund and when I attempted to follow up, calls were not answered from XXXX.. Most recently, I called again, spoke with XXXX, claimed the order was placed directly on XXXX site in which case, it was not, it was placed via third party link and terms of sale including return policy not disclosed.. XXXX claims the item is final sale, not eligible for return, in which case it was not advertised as such ... Unfortunately, we were unable to come to resolution and messages left for the owner, XXXX, remain UN-returned to date.. Further, the item, a Mens pair of XXXX XXXX jeans, XXXX not returned back to me. It appears XXXX may have sold the item, in which case, I believe they would need to refund but refuse to do so ... As stated before, Affirm refers to this order as payment history and reason for decline, in which case, item was returned and should not be included in credit decision

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
These accounts were recently added to my credit report without any advance opportunity to dispute it with this company. They have not validated the debt or that there is not a HIPPA violation.

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 2023-08-30
Company: Resurgent Capital Services L.P.
State: FL
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:
LVNV Funding Inc and XXXX a system whom I dont know is trying to collect a debt I dont owe from XXXX different accounts and amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have already explained that the manager at the time had a record and was fired for illegal account activity and falsely making records. I explained this in my disput to the credit bureau but this company continues to update and hit my credit that I owe money even after my proof and her being fired for illegal account abuse. I have proof of last months payment, payment of remaining utilities and the sign off of the apt by manger ( XXXX ) after  doing a walk thru of the apt and signing off on saying I didnt owe anything. This company is calling and pretending to be other companies and spoofing my phone number. I will also be making a small claims report if this situation is not handled through this avenue. Please see company and credit report info below : Updated PROCOLLECT , INC Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

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 2022-05-26
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing a complaint against Wakefield & Associates. Wakefield & Associates have improperly placed a collections in the amount of {$2800.00} and they refuse to remove it even though I have provided ample proof that I am not responsible for the negligence of the original creditor XXXX XXXX XXXX XXXX. 

I was in a XXXX XXXX XXXXXXXX. I was transported to the hospital via ambulance. At that time, I provided the ambulance company all of my insurance information. In XXXX of XXXX ( 4 years later ), I saw that the paramedic company had sold the collections account to XXXX XXXX. I was surprised and I called my insurance company- they stated by law XXXX XXXX ( original creditor ) was supposed to bill for the service provided to me within a year from the date of service. XXXX XXXX did not bill until XXXX years after the date of service. They then received a denial and explanation of the bill - stating they were then supposed to write off the balance because it was not filed in a timely manner. It is not my fault that XXXX XXXX was negligent and waited over XXXX years to bill my insurance. I am not responsible for payment as I was and still am insured. Once I provided XXXX all of the necessary documentation XXXX removed the collections from my account. However, instead of resolving the matter they sold the account to Wakefield & Associates. Wakefield has now placed the collections back onto my account and refuse to remove it even though, I have provided ample proof that I am not responsible for XXXX XXXX 's billing negligence. As I mentioned above, I was fully insured and had XXXX XXXX billed within a timely manner ( the legal amount of time they have ) they would have been paid by my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bill Pay Service with 53rd Bank Effective XX/XX/XXXX, most of our bills are being paid via checks. 

This is causing a delay in our bills being paid on time. Due to late payments, one of credit cards assessed late fee of {$27.00} and another of {$37.00}. 

The checks are taking 1 to 3 weeks to clear. 

Most recently, our auto insurance bill was due on XX/XX/XXXX, the check cleared XX/XX/XXXX. 

We schedule our bill payments up to 5 days in advance of due dates and the funds are always available. 

I have reached out to 53rd Bank on 7 occasions on these 3 different payees. 53rd is only addressing 1 payee. Each time we are requested to provide same information over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EdFinancial Services
State: ME
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:
These loans are from attending University from XXXX. First serviced by XXXX XXXX XXXX then transferred to EDFinancial around XX/XX/XXXX. While serviced by XXXX XXXX in XXXX, on a leave from college I had applied for deferment when the loans began payment due to being a less than part time XXXX. During the time the application was being processed and eventually approved, I was being penalized for several 90-120 days late payments. This still affects my credit report to this day. I believe these negative marks should be removed from my credit report. Secondly, in XX/XX/XXXX my loans were transferred again to XXXX after applying for PSLF. Since XX/XX/XXXX I have been attempting to get EDFinancial to report my loans transferred and closed to the credit bureaus. I have been successful with XXXX student loans. I have included letters and spoken with representatives to no avail. I have suffered the consequences of derogatory credit reporting that is simply incorrect.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-12
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: Information belongs to someone else

Complaint:
I XXXX XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX XXXX XXXX AND TransUnion ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXXXXXX 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 2023-09-28
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account was settled with XXXX, I am requesting my credit report be updated to reflect the changes.

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