BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened a XXXX XXXX credit card in XX/XX/XXXX. And was closed at credit Grantors request shortly after. The amount of the debt when account was closed was {$7300.00}. I have a copy on a credit report from XX/XX/XXXX that shows on record until XX/XX/XXXX. 
In XX/XX/XXXX the debt was purchased by Portfolio Recovery Associates who reported the debt amount of {$7300.00} and reset the date of the original debt. I disputed the debt multiple times with all three credit bureaus. XXXX deleted the account but XXXX and XXXX only tell me that they updated the account but no information shows to have been changed. I have also repeatedly requested documentation to validate the increase in the debt amount that occurred when the debt was purchased, years after the account was closed, but Portfolio Recovery Associates has failed to provide any requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: MD
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 sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 explanation
Consumer complaint received 2023-05-19
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:
XXXX XXXX XXXX XXXX account XXXX was suppose to been closed because I lost my card i called and reported the card lost or stolen it was supposed to been cut off some way the card was being used they were supposed to dispute the charges they were fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: NV
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 recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX : {$330.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I was listed as an authorized user on a XXXX account. I didnt give permission. This account is not mine and should be reporting 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 non-monetary relief
Consumer complaint received 2023-05-19
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: Public record information inaccurate

Complaint:
I have sent Equifax disputes letters on XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX disputing this bankruptcy and I get no responses or even an updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX BANK XXXX # 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 a 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 2023-05-19
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I took out a 60 month installment loan in XXXX with Wells Fargo Bank. At the time, I provided Wells Fargo with my home address at XXXX XXXX XXXX, XXXX, IL XXXX. I still live at this address to this date. I made each installment loan payment on time since inception. In XX/XX/XXXX, as I was approaching the final installment payments on this loan, I stopped receiving statements in the mail. When I realized that Wells Fargo had failed to send me statements to my address, I called the bank in XX/XX/XXXX to see what had happened to my statements. Wells Fargo customer service informed me that they had sent my statements to an address in Florida. When I inquired as to why, they could not provide an explanation. I stated that did not live in Florida and still resided at my address of almost 30 years in XXXX, IL. I stated that I wanted to pay off the entire balance of the loan immediately over the phone, which I did, and to have them correct any erroneous late fees AND any late payments they had reported on the account with the three major credit bureaus, XXXX, XXXX, and XXXX. Customer service took my payment paying the balance off and stated that they would make sure that any late payment reporting to the bureaus would be corrected and the account would reflect timely payments, as the problem had been created through their error. I followed up on XX/XX/XXXX by checking my credit reports with all three bureaus and the problem was not corrected. I was still being reported 30 days late for XXXX and for XX/XX/XXXX. I contacted Wells Fargo and was eventually transferred to the Office of the President where I was told that they were refusing to correct the late payment reporting. I am seeking to have my report corrected to reflect timely payments for all payments including XXXX and XX/XX/XXXX. I paid ALL payments timely and was receiving statements to my address in Illinois for the entire term and NEVER requested that they mail statements anywhere else. This is clearly the bank 's error, to which they admitted and promised to fix, when I made my last payment over the phone to pay off the entire remaining balance.

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 2018-12-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Respected Sir/Madam, I AM requesting to help Me in the situation of My mortgage. 
The mortgage is on My primary home which provides shelter to 6 people including My two old parents. 
I have been XXXX XXXX  costumer for years, On XX/XX/XXXX i got a letter from XXXX XXXX XXXX., in mail that my mortgage is being trasferred to a XXXX XXXX XXXX XXXX XXXX, with a wrong principal balance.so i thought it was a scam. 
I was really surprised as XXXX XXXX had never notified Me, I called XXXX and the REPSENTATIVE HAD NO CLUE WHAT I WAS TALKING. AS SHE COULD NOT FIND ANYTHING.SO I ASKED TO SPEAK TO A SUPERVISOR AFTER SEARCHING FOR LONG HE WAS ABLE TO TELL ME YES MY MORTGAGE WAS TRANSFERRED, UPON ASKING WHY WAS NOT NOTIFIED HE SAID WE ARE GOING TO SEND LETTER THE OTHER MORTGAGE COMPANY RUSHED TO SEND IT. I INQUIRED ABOUT MY MORTGAGE NUMBER WITH NEW COMPANY AND THEIR PHONE NUMBER HE GAVE ME THE INFO. WHEN I CALLED THAT NUMBER THEY SAID THEY HAD NO INFO ABOUT THIS MORTGAGE. 
THEN I RECEIVED ANOTHER LETTER DATED XX/XX/XXXX BY THE NEW MORTGAGE COMPANY STATING THAT THE PREVIOUS NOTIFICATION MAILED HAD WRONG BALANCE INFO.IT ALSO STATED .THE ASSIGNMENT SALE OR TRANSFER OF YOUR MORTGAGE LOAN DOES NOT EFFECT ANY TERM OR CONDITION OF YOUR MORTGAGE. 
ON XX/XX/XXXX I GOT LETTER FROM XXXX ABOUT THE TRANSFER OF THE SERVING OF MORTGAGE, IN BETWEEN EVERY TIME I CALLED SELECT PORTFOLIO COMPANT THEY SAID THEY HAVE NO INFO ON MY MORTGAGE AS TRANSFER IS NOT DONE 100 PERCENT, I WAS ALSO BEEN TOLD THAT I WILL RECEIVE A PACAKGE ABOUT MY MORTGAGE PAPER WORK WHICH I HAVE NOT RECEIVED IN TODAYS DATE. 

oN XX/XX/XXXX FINALLY I WAS ABLE TO LOG IN THE SYSTEM AND CREATE AN ACCOUNT WITH NEW MORTGAGE COMPANY, UPON REVEIWING I SAW MY AMORTIZATION SCHDUELE DATE WAS WRONG FROM WHAT XXXX ACCORDING TO XXXX I SHOULD BE DONE IN XX/XX/XXXX .AND THEY ARE SHOWING AS MY DATE AS XX/XX/XXXX. SO I CALLED AGAIN, THE LADY SAID SHE CAN NOT DO ANYTHING I NEED TO SEND PAPER WORK TO THEIR FLORIDA OFFICE. ALSO THAT THEY CAN NOT DO BIWEEKLY LIKE XXXX XXXX. WHERE IT CLEARLY STATED THAT MY TERMS WILL NOT CHANGE FROM MY OLD MORTGAGE. 
I REALLY NEED HELP, IF POSSIBLE IF I CAN GET IN TO HARP AND MAKE MY TERM SHORTER I HAVE NEVER BEEN LATE IN MY PAYMENT. I AM XXXX YEARS OLD I CAN NOT CARRY MY MORTGAGE FOR SO LONG I WOULD LIKE TO PAYOFF MY HOME SOON. PLEASE HELP ME. 
THANKYOU. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit reporting 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:
This account and inquiry are not mine they was made without my permission, consent. Inquiry and account. Synchrony Bank TJ Max Inquiry : XX/XX/XXXX, XXXX is and are fraudulent and according to The Court FCRA this account violated my rights in many ways this account is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681 u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish my account without my written instruction or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit plan as a late payment for any reason the inquieres must be removed immediately thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: MD
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 have sent multiple letters to Experian regarding two Bankruptcies on my consumer report. They have constantly sent notification that they have been verified. I have asked for methods of their verification and they stated that they received verification from the actual court. Please tell me how can they received verification from the court and the courts do not verify or validate information. I have sent them notification regarding the bankruptcy courts and they said that they verified it through Clarity Consumer Reporting who are affiliated with Experian. Upon pulling my Clarity Consumer Report there is no bankruptcy listed on the entire credit file. They are in violation of 15 USC 1681b ( 2 ) I have never given them written permission to furnish any information within my credit file. They are also in violation of 15 U.S. Code 1681 ( b ) regarding the accuracy of the report. I will also be filing a report with the FTC.

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 2018-08-07
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 have filed disputes with Equifax since XX/XX/2017 and I have spoken to several people at the Consumer Affairs Office who state that they were going to delete and remove these fraudulent accounts from my credit report. I have talked to XXXX as well Mrs. XXXX at Equifax office who promised to remove to remove these accounts immediately. 

The following accounts are fraudulent and need to be removed immediately : 1. XXXX XXXX XXXX   2. XXXX 3. XXXX XXXX XXXX  XXXX  4. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received a credit reporting notice that a late payment was reported on my credit report. I investigated and found that Kohls reported a late payment to my credit report. I looked up my account on the Kohls charge card site to find that the autopay that I had previously setup was no longer setup and my payment wasnt processed. This resulted in a 30 day late payment being reported to my credit file. I spoke with Kohls credit card customer service and they will not fix the 30 day late payment and have refused to acknowledge that my autopay was cancelled by them when my account balance had been at a {$0.00} level. I was not notified of the late payment until after the 30 days had passed. See attached screenshot showing the only notification that the payment was late, this was a voicemail that I received on XX/XX/XXXX, 1 day past the 30 day late mark.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I've disputed a negative item furnished by XXXX XXXX XXXX on all three of my consumer reports multiple times. 

I requested and received a validation letter of the item from XXXX in XXXX, 2022 where they admit to not being able to confirm or deny the accuracy of the item. 

Yet all 3 bureau 's keep allowing them to update this item as verified, despite XXXX 's admission in writing that they do not have the capability to verify the infromation. If a proper investigation and reinvestigation was really done by the bureaus I wouldn't have to write this complaint. 

As stated in 15 USC 1681i 5 ( A ). Equifax, XXXX, and XXXX are all required by law as Consumer Reporting agencies to promptly delete this unverifiable information to keep the accuracy of my reports in tact and protect my rights to fairness in reporting. 

I am attaching the letter from XXXX to this complaint,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr Cooper continues to not answer my questions and have multiple supervisors not call back. But they never forget to send threatening letters, even 24 hours after I have an hour+ long conversation with one of the supervisors. I got a hand delivered letter to my house. I immediately called the representative named XXXX at XXXX. I never received a call back. I called again with no response. 

Every time I talk to someone, they tell me different information. Previous CFPB complaints contain factual errors and mis-statements about the issues. I can't get one person to answer my call or return my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Avant Holding Company, Inc.
State: TN
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:
Avant has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I, XXXX XXXX XXXX, was denied an extension of credit by Chase and I understand that " credit '' is the right granted pursuant 15 USC 1601 ( f ) and I am the " creditor '' pursuant 15 USC 1601 ( g ). When I applied for a Chase Sapphire Card in good faith I exercised my right to credit in which I intended for my personal, family and household use and was discriminated against pursuant to 15 USC 1691a ( 3 ). I understand that no personal information shall be taken for public use without equal and or just compensation pursuant to the US Constitution. entered into a consumer credit transaction with Chase by submitting an application which became an asset when I entered my name, address, phone number, email and social security number which secured an account in which I received No Benefit. Since I received No Benefit pursuant to 15 USC 1602p this is an unauthorized use of the consumers social security number/credit card pursuant to 15 USC 1602l . I have enclosed a copy of the adverse action letter which evidences unfair, deceptive and abusive practices pursuant to 12 USC 5531 in which I have highlighted. 

Since the letter you sent me on XX/XX/2022 is both proof and evidence that I have been discriminated against, you are also criminally liable. I demand that Chase resort to reasonable procedures to rectify this affair and compensate me for the use of my personal information along with my social security number and all the proceeds it generated in the application/asset. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. Silence is Acquiescence, Agreement and Dishonor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TD BANK US HOLDING COMPANY
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and TD Bank USA/Targetcred, XXXX XXXX, and XXXX XXXX. The Account Opened is TD Bank USA/Targetcred Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6200.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
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 explanation