BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: IL
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:
requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate have past due balances PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS - XXXX XXXX XXXX XXXX Balance {$10000.00} Account # XXXX Violated MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages all violations to metro 2 compliance i Demsnd : - Original Contract - Creditor info - Payment History - Requesting for documentation that gives me the options to opt out to a non affiliated third party prior to them reporting it 15 USC 6802

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 2023-04-15
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:
Copy of Email sent on XX/XX/XXXX to XXXX XXXX XXXX  EST To the investigation team for identity theft and fraud, I submitted a screen shot from XXXX XXXX XXXX showing that the following two accounts are under DISPUTE a SECOND TIME because they are identity theft as requested by XXXX XXXX  member customer rep who created the CASE ID on XX/XX/XXXX approximately at XXXX XXXX 

I was supposed to receive FOLLOW UP by the XXXX INVESTIGATIVE TEAM by XX/XX/XXXX. I receive NO FOLLOW UP VIA EMAIL. 

I emailed XXXX  again on XX/XX/XXXX included the requested screenshot dispute page from XXXX and still received NO FOLLOW UP. 

I called the XXXX customer phone center twice due to not being able to hear the representatives speak without repeating cutting in and out on the phone and asked to escalate to a supervisor XXXX who repeated a script about needing to resubmit due to me receiving no follow up and that it takes 3-5 business days to receive follow up. 

I had to disconnect the phone call with supervisor XXXX because I could not hear him any longer. 

I had multiple fraudulent accounts opened with XXXX  all in collections without my consent back in XXXX of XXXX which I discovered in XX/XX/XXXX when I received an updated credit report from all three credit reporting agencies and was experiencing identity theft. 

XXXX  reported in XX/XX/XXXX to XXXX dispute that I filed that ALL accounts were indeed fraudulent except for TWO ACCOUNTS : That begin with XXXX AND XXXX with balances remaining even though the accounts were all closed by my request and still causing major damage to my credit report and FICO score. 

This is the reason for opening CASE ID XXXX to dispute the remaining two XXXX  accounts as equally fraudulent. 
It is iLLOGICAL that these two accounts would remain on my credit report due to XXXX  but all others all opened in XX/XX/XXXX without my consent using my personal information would be legitimate. 

I am extremely upset with the delays and system of XXXX  to give me scripted answers and no appropriate follow up for a simple matter where these accounts should also be immediately reported as fraud to XXXX so they can also be removed from my credit report. I did not OPEN ANY XXXX  ACCOUNTS IN XX/XX/XXXX AND I AM NOT FINANCIALLY RESPONSIBLE FOR THEM. 

However, Until XXXX  confirms these last remaining accounts are also fraudulent like all the others they confirmed fraud, my credit report suffers and it shows me responsible and that they are in collections! 

Who will step up in XXXX  and take responsibility to do the right thing? 
I am reporting this situation to the CFPB Consumer Financial Protection Bureau. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
Company: Affirm 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:
Copy of Email sent on XX/XX/XXXX to XXXX XXXX XXXX  XXXXXXXX XXXX EST To the investigation team for identity theft and fraud, I submitted a screen shot from XXXX credit agency showing that the following two accounts are under DISPUTE a SECOND TIME because they are identity theft as requested by XXXX AFFIRM member customer rep who created the CASE ID on XX/XX/XXXX approximately at XXXXXXXX XXXX 

I was supposed to receive FOLLOW UP by the AFFIRM INVESTIGATIVE TEAM by XX/XX/XXXX. I receive NO FOLLOW UP VIA EMAIL. 

I emailed affirm again on XX/XX/XXXX included the requested screenshot dispute page from XXXX and still received NO FOLLOW UP. 

I called the affirm customer phone center twice due to not being able to hear the representatives speak without repeating cutting in and out on the phone and asked to escalate to a supervisor XXXX who repeated a script about needing to resubmit due to me receiving no follow up and that it takes 3-5 business days to receive follow up. 

I had to disconnect the phone call with supervisor XXXX because I could not hear him any longer. 

I had multiple fraudulent accounts opened with AFFIRM all in collections without my consent back in XXXX of XXXX which I discovered in XX/XX/XXXX when I received an updated credit report from all three credit reporting agencies and was experiencing identity theft. 

AFFIRM reported in XX/XX/XXXX to XXXX dispute that I filed that ALL accounts were indeed fraudulent except for TWO ACCOUNTS : That begin with XXXX AND XXXX with balances remaining even though the accounts were all closed by my request and still causing major damage to my credit report and XXXX score. 

This is the reason for opening CASE ID XXXX to dispute the remaining two AFFIRM accounts as equally fraudulent. 
It is iLLOGICAL that these two accounts would remain on my credit report due to AFFIRM but all others all opened in XX/XX/XXXX without my consent using my personal information would be legitimate. 

I am extremely upset with the delays and system of AFFIRM to give me scripted answers and no appropriate follow up for a simple matter where these accounts should also be immediately reported as fraud to XXXX so they can also be removed from my credit report. I did not OPEN ANY AFFIRM ACCOUNTS IN XX/XX/XXXX AND I AM NOT FINANCIALLY RESPONSIBLE FOR THEM. 

However, Until AFFIRM confirms these last remaining accounts are also fraudulent like all the others they confirmed fraud, my credit report suffers and it shows me responsible and that they are in collections! 

Who will step up in AFFIRM and take responsibility to do the right thing? 
I am reporting this situation to the CFPB Consumer Financial Protection Bureau. 

XXXX XXXX XXXX AFFIRM DISPUTED ID THEFT XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Prince Parker & Associates
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received an email this month from XXXX XXXX that said a derogitory mark had been placed on my credit report. 
I had been badly scammed XXXX XXXX so I always look and make sure things are ok. 

When I looked it shows I had a derogitory mark added to my credit by a Prince Parker & Associated per XXXX XXXX XXXX XXXX XXXX. I had to have XXXX XXXX in XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX. I had picked up an entire box of copy paper put it on my shoulder and walked upstairs to our offices. Well turns out this caused a couple discs in my neck to rupture/break not sure the medical term. This became a WC Case. 

XXXX set me up on a payment plan and the first sign of being turned into collections I called and was told notes were put on my account that it was a pending WC case and would not be sent to collections. 

As soon as I received the settlement from my case I paid XXXX in full on XX/XX/XXXX {$1.00}, XXXX! 

Then in XXXX they add it to my credit report?! It was the evening when I found this out so I pull out my folder of all my documents and receipts from my XXXX and WC case. I start calling XXXX the next morning left messages and received no return call. 
Called again the next day and got someone. I told him what was going on and I was told he could see in my notes that it was WC and not to be sent to collections as well it was paid in full. The rep said he had to speak with his manger. When he came back to the line he said it was a mistake and they were going to call Prince Parker and have it removed. 

In the mean time I XXXX the Prince Parker agency and called. I spoke ith a XXXX who said pending WC cases are not to be sent to collections. She said it may take up to 30 days and it would be deleted and would be like it never happened. Well when the collection was placed on my credit my score dropped XXXX points! 
So if it was a mistake and it would be like it never happened I feel my score should go back to what I worked hard for it to be! 
After speaking with XXXX I immediatly got a call back from XXXX that they got emailed by Prince Parker. I said yes because I called them also.

I feel your credit score dropping XXXX points due to someone at a billing office making in error is huge! XXXX at Prince Parker made it sound like a huge mistake! 
Well it certainly didn't take 30 days it was removed the day after. 
The days I spoke with XXXX and Prince Parker was XX/XX/XXXX. It was removed from my report on XX/XX/XXXX. 

However, it is not like it never happened. My report says removed account settled and my score did not go back up XXXX points. If it was like it never happened I should not be able to be it and my score should be reinstated! That is my complaint! 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX A roommate used my private information to say his electric bill was mine. I only stayed at his apartment for a few weeks the bill is over XXXX dollars of which I'm not responsible for.

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 2023-03-19
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX has illegally reported a total count of nine late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Affirm Holdings, Inc
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/2023 I bought a XXXX XXXX in TV thur Affrim via XXXX. On XX/XX/2023 I returned the TV XXXX has to come back to pick up the TV as they where not aware that the back door even though a sighn is posted all deliveries at the back door due to the front door being rented by upstairs and down stairs being rented by us. I opened up a claim that got approved for a lost item. I was told bye bye XXXX I had to wait 60 days to report this a lost item and my money was supposed to be refunded to me. XXXX admitted to the driver not scanning said item and issued me a claim number of XXXX, unfortunately I need a account number in order to upload payment documents. I have call Affrim 3 times about this a 22 times into XXXX. XXXX with them stating theirs nothing they can due nor Affrim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
When I started receiving phone calls from Portfolio recovery in 2020 in continually told them to stop calling me but send all correspondence by mail only but they continue call my phone at least 5 days a week even on Sundays I have yet to receive any letters showing proof they own my debt. 

I have now received a summons from the XXXX XXXX courts that they intend to sue me on behalf of A XXXX, XXXX XXXX XXXX. They have not supplied any proof that I have signed a contract with Portfolio Recovery or that they own this debt. In their proof attached to the summons it only shows an account statement from XXXX XXXX. 

Portfolio Recovery is using this tactic to receive money I do not owe them before the statute of limitations end for my state of California. 

They have not complied to the Fair Debt Collection Practices Act,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 2023-04-15
Company: Financial Accounts Service Team Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the account with XXXX XXXX XXXX in full as everything was due up front before a dental procedure was done because they were out of network with my insurance. I then noticed months later on my credit report there was a listing for Financial Account Services Team for {$670.00} with the original creditor. I disputed it three times through XXXX and XXXX and the third time, I received a call from the company. I asked them to give me dates and to send an itemized statement showing me exactly what it was for. They threatened legal action but refused to send proof of the charges and still refuse to remove from my credit report. Ive attached an itemized statement dated XX/XX/23 showing XXXX balance due, nothing past due and that the {$670.00} is showing as a credit that was applied to the balance putting the account as paid over what was owed in the amount of {$20.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2021 we booked 4 rooms at the XXXX XXXX XXXX using our Barclays card. Our scheduled stay was from XX/XX/2021 to XX/XX/2021. Due to XXXX XXXX we stayed only one night in 3 rooms. Prior to arriving I cancelled the 4th room on XX/XX/2021. We cancelled the remaining nights on XX/XX/2021 morning. Our family was trying to get a XXXX test but was unable to so we travel back home to be tested. The hotel was fully aware and we were advice we would receive a call from the manager. We never received a call back after several calls. We informed XXXX and disputed the additional nights. Upon receiving our bill we had additional charges we never agreed upon. We disputed with XXXX and the denied our claim stating we agree with all charges. Was advised to write a letter which I did. Sent via fax and postal services. Called to check status in XX/XX/2021. Was advised received and still reviewing. Reviewing old statements and realized today this was never fully resolved. 
Charges on XX/XX/2021 {$700.00}, on XX/XX/2021 {$710.00}, on XX/XX/2021 {$40.00} ( dont know what this charge is for ).

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 2023-04-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Consumer Financial Protection Bureau : Wells Fargo has been mismanaging my mortgage for the past year and a half. On top of this, they have assessed additional fees and interests without any notifications or approval on my end. These faulty errors are causing me a loss in the excess of {$50000.00}. I am surprised that they have sent letters about escrow shortages, even though I have constantly been consistent. I am also on a fixed rate mortgage, therefore the interest should not be fluctuating as it has. My bill from when my mortgage started to how it is will serve proof as to how my mortgage is being handled. I am saddened that XXXX XXXX  gave them my account and I could not choose what lender bought it, otherwise, I would not be having to face the mismanaging. I work too hard to be cheated. 

Not to mention, much of my states assistance funds I received during XXXX in XXXX were not been allocated and disbursed correctly. Rather than correct these issues as well, all of the agents did not understand any of what was going on with my account. In an effort to maintain my mortgage they forced me to pay an escrow shortage over the phone and they had me disclose my routing and account number over the phone. They stated that it was necessary or I would be at risk of foreclosing. Something illegal seems to be going on. Whether it is an automated issue that is going on or intentional harm, I ask that these damages be recompensed by applying these considerations back into my mortgage account. 

Attentively, 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