BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: PA
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2022-05-21
Company: CITIBANK, N.A.
State: NJ
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, the following companies below has violated my rights. 
XXXX. BEST BUY/CBNA Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. THD/CBNA Account # : XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i do not recognize the account " XXXX XXXX '' represented by Portfolio Recovery. Previous research indicates this charge was initiated in Florida. I believe this account belongs to someone bearing a similar name to me. I do not have knowledge pertaining to this account. I don't know if it is a credit card, a store card like XXXXXXXX XXXX or XXXX XXXX, or personal bank or revolving charge account. I've filed a complaint with XXXX  and it was removed by the credit reporting agency to my account. I filed a complaint with XXXX today. Discrepancies are date opened XX/XX/XXXX, date of last payment I never made XX/XX/XXXX. Date of first delinquency XX/XX/XXXX and date reported XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: AES/PHEAA
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: Account status incorrect

Complaint:
AES/ XXXX XXXX XXXX XXXX is reporting five open accounts as closed to equifax credit bureau while reporting the same accounts as open to XXXX and XXXX XXXX I contacted the creditor regarding this matter but was not properly assisted. This erroneous reporting has greatly impacted my credit score and prevented me from retaining new lines of credit from other creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I were struggling to pay the mortgage ; I was out of work and I had XXXX  and my spouse was a new attorney looking for a job. I contacted Wells Fargo and they offered me and my spouse a modification plan. My refuse to sign the paperwork and filed for divorce. He would not help me with the payments. I had to borrow money from family members to obtain an attorney in addition recover from XXXX. I obtained employment and I was told that XXXX couldnt help me unless my spouse signed a quick sale to me the home. He refused. I couldnt afford the back pay and they put my house on the foreclosure list. I had to file bankruptcy to keep my house.

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 2022-05-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
EXPERIAN IS COMMITTING PREJUDICE AGAINST ME NOT WANTING A CREDIT CARD. THEY KEEP TRYING TO SELL ME CREDIT CARDS TO BUILD UP MY CREDIT PROFILE. EXPERIAN IS SCORING A PAID ACCT AS POTENTIALLY NEGATIVE AND WILL NOT ALLOW ME TO DISPUTE DUE TO PREVIOUS DISPUTES OF ACCOUNT BEING FROM OVER 6yrs AGO. THEY WILL NOT UPDATE MY CAR LOAN FROM XXXX WHEN I MISSED PAYMENTS DUE TO COVID-19 PANDEMIC. THEY WILL NOT ALLOW ME TO DISPUTE DUE TO A PREVIOUS DISPUTE THEY DID NOT VALUE NOR CHANGE. I AM BEING CRIMINALIZED BY A CONGLOMERATE RAN BY XXXX XXXX LABELING ME AS A CREDIT RISK DUE TO REFUSING TO PURCHASE CREDIT CARDS, DISMISSING DEBT FROM OVER XXXX AND MARKING PAID IN FULL ACCTS AS POTENTIALLY NEGATIVE WHILE TELLING ME POTENTIAL CREDITORS WILL NOT LOAN TO ME DUE TO A THIN PROFILE MAKING ME A CREDIT RISK UNLESS I PURCHASE A HIGH XXXX CREDIT CARD FROM THEIR LISTED PARTNERS!!! I AM BEING VICTIMIZED BY EXPERIAN HOLDING MY FICO SCORE TO POOR ON ACCTS FROM XXXX THAT ARE CLOSED BUT THEY LIST IN RED POTENTIALLY NEGATIVE!!! EXPERIAN IS VIOLATING MY FREEDOM TO NOT CHOSE TO USE CREDIT CARDS AND REFUSING TO TAKE OFF DEBT FROM OVER 5-7 YRS DUE TO KEEPING PARTNERSHIPS WITH DEBT BUYING COMPANIES SOLD AFTER COMPANIES FILED BANKRUPTCY!!! EXPERIAN IS CRIMINALLY DEFRAUDING MY CREDIT REPUTATION WITH AN INACCURATE FICO SCORE THAT DOES NOT INCLUDE MY RENTAL NOR BILL HISTORY. I HAVE NO EVICTIONS, BANKRUPTCIES AND PAY ALL MY BILLS ON TIME. EXPERIAN HAS LABELED ME AS A POOR CREDIT RISK WITH A FICO SCORE OF XXXX USING XXXX CLOSED STUDENT LOANS DATED XXXX, AN OUTDATED PAYMENT HISTORY ON XXXX XXXX, XXXX BOUGHT DEBT OF {$610.00} DATED XXXXDISPUTE IGNORED, XXXX PAID BOUGHT DEBT FROM XXXX ALL LABELED POTENTIALLY NEGATIVE!!! I HAVE CLOSED MY XXXX XXXX XXXXXXXX CREDIT CARD ONCE IT WAS PAID IN FULL AND THEY REDUCED MY CREDIT SCORE BY XXXX XXXX KEEPING ME AT A POOR CREDIT RISK. EXPERIAN IS FORCING ME INTO PREDATORY CREDIT VULTURES WITH THEIR CRIMINAL TACTICS WITH THEIR DEBT BUYING PARTNERS AND VICTIMIZING ME BECAUSE I REFUSE TO PUT MYSELF INTO DEBT BY PURCHASING CREDIT CARDS!!!

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 2022-02-09
Company: NAVY FEDERAL CREDIT UNION
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In 2020, I opened a secured credit card account with Navy Federal Credit Union. One of the perks for the card, was to establish credit/repair ones credit. Provided the following is met : keep account in good standing, pay on time/ no late payments, have at least {$60.00} dollars on the card by 19th of the month, before account is reported to all ( XXXX ) three credit bureaus. And because I have XXXX checking accounts, I would transfer every ( XXXX ) weeks, money to my credit card from my checking account to pay my credit card. I have never been late I find it real strange, that its going on ( XXXX ) two years that Ive met ALL of these requirements. Plus, when I opened this account. I had No credit cards. Ive sense obtained ( XXXX ) XXXX credit cards, due to my good history with Navy Federal reporting to all ( XXXX ) three credit bureaus. 
Ive contacted Navy Federal, about this situation several times. They couldnt give me an answer. However, ( on one of my calls to customer service complaining about this problem ) one customer service person said, she had in countered such a problem like mines before. She said, the customer applied for a regular credit card and was approved. Why, should I do that?? I would like to cancel this account. But, it would get me a negative mark on my credit report. I hope you can help. XXXX XXXX XXXX, ( XXXX ) XXXX, XXXX. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
There was over XXXX dollars take out my account due to frauds and scams this monthly paystub this happened recently this week

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 2021-11-04
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: AL
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 had existing loans through XXXX that were valid, but there were fraudulent loans showing on my account that I did not authorize or know where they came from. When I realized the loans were showing on my account and showing as past due, I contacted XXXX and disputed them. When XXXX would not do anything with my dispute, despite certification that they were fraudulent transactions, I attempted to dispute them with Experian. To avoid further damage to my credit report and because the loan was a small amount ( less than {$1000.00} ), I paid the loan while I tried to resolve the dispute. 

XXXX claims to have verified the information on my report, but will not verify that the transaction was disputed and was fraudulent. Experian continues to keep the late payment on my credit report even after I filed a dispute. 

The documentation available on my account indicates that the account was fraudulently opened in my name using a stolen credit card number and an old address that I have not lived at for over 2 years. I dont know who or how my information was obtained to commit this fraud, but I do know that it wasnt mine. I have verified, repeatedly, with Experian and XXXX that these are fraudulent.

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 2022-12-15
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:
I am a victim of I Identity Theft. I have sent in FTC Affidavit relating to the XXXX XXXX and EQUIFAX data breaches with addresses, names, XXXX, and accounts that were not mine While waiting for remedy, a new collection from XXXX XXXX appeared in the mist of dispute showing a new account had opened. I never consented or knew of this debt. this debt was disputed previously deleted and has illegally reappeared as a new account. I have never consented nor ever had applied for account. 
FRCA laws and U.S.C 1681 states reaging and knowingly reporting inaccurates and fraudulant are a violations. to my consumer rights. 
Also the XXXX late payment showing from XXXX XXXX should been deleted for during the XXXX XXXX XXXX, credit agencies may not report adverse payments to a consumers report. I have spoken to bank and they updated to good standing but Credit agencies still showing incorrect and misleading info. 
I am requesting these acccounts to be deleted. 
XXXX XXXX XXXXXXXX {$2700.00} date opened XX/XX/2022 XXXX XXXX XXXX XXXX {$120.00} date XXXX XXXX XXXX XXXX paid off XXXX XXXX XXXXXXXX XXXX off XXXX XXXX XXXX XXXX  XXXX off XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company is a horrible collection agency, they wont quit calling while I am at work. They keep sending me medical bills that have already been paid through another agency in XXXX, XXXX XXXX years ago. This collection agency keeps threatening me to sue me. I wrote them in XX/XX/2021 to get dates of service, what the debt was for and they will NOT respond. I wrote them a XXXX notice letter which is attached. Medical bills are not suppose to be on your credit report under the federal trade act so they are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Ive received a property tax exemption for my home mortgage due to being a XXXX  % XXXX XXXX, after submitting my updated information multiple times to PHH mortgage, XXXX XXXX XXXX XXXX XXXX nj, multiple phone calls which get disconnected or transferred out to call centers as well as the operators hanging up, lacking proper information about my account, and unable to assist me, as well as a reimbursement check from The previous end of year quarter never received. 
This company has over 430 one star negative reviews, and yet continue to operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/22 I transferred my entire balance of {$4000.00} from my Truist Checking Account to one of my XXXX XXXX XXXX checking accounts. On XX/XX/22 Truist closed the checking account at my request, and sent me a letter confirming the action. I never received the funds in my XXXX  account. On XX/XX/22, I attempted to find out where my money went. Truist Client Center told me that for unknown reasons, XXXX  XXXX XXXX rejected the transfer. Since my Truist account was closed, there was no where to put the money. It is important to note that Truist never informed me of this fact, and still has not provided my funds.

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 2021-09-06
Company: Westlake Services, LLC
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:
In my situation, I have a satisfaction letter from a debt collection agency that was given to me. I have taken this and disputed all 3 credit reporting agencies. The results of their investigation has been unchanged and updated. I am trying to resolve a closed account under my credit report that is stating as a Charge Off/Collection from a repo and it needs to be changed to a settled debt. I have contacted all 3 parties and their managers of credit bureaus, westlake financial ( original auto loan lien holder ) and XXXX  XXXX XXXX which is formerly known as XXXX XXXX XXXX XXXX ( debt collection agency who purchased the debt ) to see what they can do. They all give me the runaround saying that there is nothing they can do to update my report. Here is my satisfaction letter attached to this complaint. I settled the account for less than the full amount of {$1500.00} for it to be closed. 

When I have spoken to XXXX XXXX, and XXXX  's dispute center over the phone their response for the unchanged status of that closed account is that they are only a reporting agency and that they have received a satisfaction letter but give this information to Westlake Financial to verify. They said to contact Westlake. I have contacted Westlake and spoken to a supervisor over the phone named XXXX XXXX and she advised that there was nothing she can do as once the debt has been charged off and sold to another lender they wipe their hands clean with it essentially. As I contact the general manager XXXX of XXXX XXXX XXXX through his direct phone number he says that this scenario has never happened to him and that they do not report to the credit bureaus. He say 's " he acknowledges the debt has been settled as he knows i have the satisfaction letter but there was nothing he can do and to then further contact the bureaus again. 

The status under these accounts still are under Charge-off/collections and not settled. At the time all of these parties were contacted were the date of 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 explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I CHECKED MY CREDIT REPORT AND NOTICED I HAD UNAUTHORIZED COLLECTION FROM XXXX XXXX XXXX XXXX WITH ACCOUNT NUMBER : XXXX OPENED ON XX/XX/2023 FOR {$7900.00} ON XXXX XXXX XXXX ACCOUNT NUMBER : # # # # # # # # XXXX ON XX/XX/2023 FOR {$7900.00} AND ACCOUNT NUMBER : XXXX ON EXPERION ON XX/XX/2023 FOR XXXX. THAT I DO NOT RECOGNIZE I BELIEVE SOMEONE MAY HAVE APPLIDED FOR SOME THINGS IN MY NAME AS FRAUDULANT.

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 2023-10-26
Company: Experian Information Solutions 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 been distressed with misleading, inaccurate, and incomplete information on my credit report. This has been hurting me financially for years. This is a violation of FCRA and the credit reporting agencies must delete the requested information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: IN
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-15
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX Flagstar Bank ran a hard inquiry on my credit without my consent. My mortgage is already with this bank and has been since XX/XX/2022. There was no need in my opinion for them to run my credit now, and they certainly didn't have my permission to do so.

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