BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have been dealing with Experian about my XXXX XXXX XXXX that's on my credit report. I have called them and disputed with then about this item plenty of times and now finally they update where it says collections for 2 years now XXXX XXXX XXXX XXXX was paid for using my irs funds back in 2017. On my credit XXXX  with Experian it does not show the On Record date when it will off my credit report all other accounts show the On the record date I have asked Experian to delete for not showing accurate info. If they will not delete I will sue them for damaging my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: WELLS FARGO & COMPANY
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 made several request to have information reported on the credit report corrected due to COVID-19. Accounts with XXXX XXXX and XXXX report my accounts as being 30 to 60 days past due during the COVID-19 Pandemic. I made a request for hardship agreement with the creditors to have my payments deferred. I submitted proof of the agreement. The Creditors report my Account Payment History as being past due some XX/XX/XXXX andXX/XX/XXXX. I agreed to make payments during our agreement and complied by paying the account off in its entirely. The Creditor XXXX XXXX and XXXX continues to report the account past due when the accounts were brought current and some paid off. 

According to CFPB, If an agreement is made while your account was already delinquent and your " BRING YOUR ACCOUNT CURRENT '', the creditor " MUST REPORT YOUR ACCOUNT IS CURRENT ''. The account with XXXX was brought current and the account history still reports as 30 days late. For XXXX XXXX, my accounts were paid off in full and they still report the accounts as being 30 days late for XXXX and XXXX. 

In regards to " Timing '' the Cares Act Amends section 4021 covers consumers from XX/XX/2020 to 120 days after the Pandemic.  Although the Cares Act was not signed until late XXXX, the covered period begins retroactively from XX/XX/2020. Although I was effected since XX/XX/2020, the above creditor did not start offering agreements and taking applications until XXXX. 

Although it is clear that the effective date for COVID-19 relief was XX/XX/2020, the creditor are not complying with the policy even during the month the president signed the Act XX/XX/XXXX which is still being reported as last on my account. 

As a XXXX military and military spouse, this has case an effect on our family in obtain a VA Mortage and to loose out on the opportunity of purchasing a home. 

I have attached the policy and rules regarding the above.

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 2022-12-02
Company: EQUIFAX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
This is simple. I opened both a checking and saving account on or about XX/XX/2019 with this firm. There was no place that said there would be a service charge monthly maintenance fee of {$15.00}. 

If this was clearly disclose, I would not have opened such an account. 

It really XXXX me off, they charged {$15.00} for a {$50.00} balance on this saving account ending in XXXX on XX/XX/2019. 

Therefor, I want this account closed as I transferred the remaining little balance to my checking account. Since I have SSA XXXX payments being made to BBVA and can't change that for several months, I had to wait to that ends then I want to close everything with this bank. 

It's totally internet based and being on XXXX it's outrageous they are charging me {$15.00} a month for XXXX service and fees. 

Again, if I knew of these, I would look elsewhere, which I have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Designed Receivable Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a debt collection letter in the mail from Designed Receivable Solutions for an unknown creditor. The letter did not indicate any creditor information but gave a phone number to call. I called the number and they immediately asked for my personal information- my birthday and my social security number for " verification '' purposes despite my providing the account number assigned to me on their letter. I asked the agent who the creditor was, and she replied that she couldn't provide me with that until I gave her my personal information- which I did not. I ended the call and looked up their payment website. The website either did not exist or had an issue as it did not show up in my browser.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: ENOVA INTERNATIONAL, INC.
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a continuous debt collection that resulted in Identity Theft with a provided Police Report when Net Credit ( try to collect ) as of XX/XX/XXXX XXXX. CFPB Reference Complaint NumerXXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX has made several attempts to Collect and pulling hard inquires report my credit report trying to collect a pay day loan that was a result of identity Theft ( XXXX XXXX XXXX 

I have disputed this numerous of times and it was resolved in XXXX. The Debt Collection Agency again as of XX/XX/XXXX is trying to collect. 

Reference of Older Case in XXXX ( Resolved As Not My Account do to identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: CITIBANK, N.A.
State: NY
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:
I have purchased and moved into a condominium. I still get credit card promotional letters for previous occupants of the condo, addressed to them. One persistent one is Citi Bank, advertising their credit cards. 

I have called Citi Bank and asked them to take my address off their mailing list for this previous occupant. However, once transferred to the calling center that would remove addresses off the mailing list, they told me that I needed an account to go further. I don't have a Citi Bank account or credit card. 

I literally said " So I need to be a customer in order to ask you to remove my address from your mailing list for promotional letters? '' and they literally said " Yes ''. To me, this is ridiculous. 

I understand that I can follow the instructions here XXXX XXXX XXXX XXXXXXXX And call the OPT-OUT number and the XXXX. However, that will remove my name. How can I remove previous occupants from the mailing list for my current address? Shouldn't the company be able to do this for me even if I am not a customer?

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 2023-06-14
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: Account status incorrect

Complaint:
MY MONTHLY MORTGAGE PAYMENTS TO XXXXXXXX XXXX IS SENT BY BY BANK XXXX XXXX. THESE PAYMENTS ARE SENT ON TIME FOR CREDIT IN THE MONTH IT IS DUE. I RECEIVE AN EMAIL FROM THE BANK THAT MY PAYMENTS FOR XXXX, XXXX AND XXXX, 2023 BEFORE THE END OF THE CURRENT MONTH. 
AS A RESULT I DISPUTE THAT I WAS LATE.

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 2023-08-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2019-09-02
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 reported to credit bureaus, local law enforcement and creditors the errors/fraud reporting on my credit report and nothing has been done. I'm filing a complaint to have fraudulent accounts deleted from my credit report upon receipt of this notice. I contacted the court and they do not have a record of a Bankruptcy Chapter XXXX for my name. So I am requesting it be removed from my public record. XXXX XXXX, XXXXXXXX, Dept of Vet affairs, Social Sec Admin, XXXX XXXX, US Dept of Ed, XXXX XXXX, XXXX XXXX, are all fraudulent accounts that I did not authorize, benefit from or was aware of. Please remove them permanently as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was informed that an account was fraudulently opened with Chime Bank on XX/XX/2021, using my personal information, after receiving a card in the mail. I immediately contacted Chime Bank to report the identity theft and was advised they would 'escalate the case ' and I would get a call within 24 hours. I did not get a call. I called again to inquire about the status of the identity theft case, and I was advised 'the case was not set up properly '. I was again advised I would get a call within 24 hours. I never received any response. 
I then mailed a fraud packet to Chime Bank to formally report the identity theft again. This packet included a 609e letter ( a request for records ), a fraud affidavit issued by the Federal Trade Commission, my police report information, a copy of my government issued ID, proof of my Social Security Number and proof of my address. The fraud packet was delivered to their office by USPS Certified Mail on XX/XX/21. 
In my letter to Chime Bank, I requested the account be closed as fraud, or to have my SSN removed from the account so I am not liable for the account or balance. I also asked the appropriate reporting agencies to be notified of any correction to the account associated with my personal identifying information. Lastly, I requested a letter, or email, be sent to me outlining the results of this dispute at the completion of the investigation. Chime Bank still has not closed the account nor have they responded to any of my requests to date. 
I expect Chime Bank to address the identity theft issue and to close the account as fraud/identity theft. I would like my information flagged so it can not be used again in the future, and I would like a confirmation letter acknowledging the above requests be sent to me for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I was a victim of Identity theft and after checking over my credit report with all 3 bureaus I have noticed inquiries that I am not familiar with. I have submitted letters to XXXX, XXXX, and Experian, as well as to each of the creditors to try and get the inquiries removed because I did not authorize my reports to be pulled. I believe they may be a result of my identity being used by someone else. I have placed fraud alerts on my reports. I am now in the process of cleaning up my reports and taking the proper actions to try and get everything resolved. These are the inquiries I do not recognize. 

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 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

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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-05-21
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home was in Default my servicer is PNC Bank i was behine 12 months my house was headed for auction i finley caught up with the payment before that happen i had an agreement with them for all of the fees inclueded late fees lawyer fees all of the adminstrion fee which came out to be XXXX that was suposed to be the full amount in in clueding everything to bring my account current after i went to XXXX XXXX XXXXXXXX XXXX got a cashier check sent them the total amount and after i made the XXXX payment said that i own a XXXXIf i own the extra amount have been in clueding in the restatment i ask serval time whats the total amount which i would sent that to them not after the. 
Im not going to pay those fee if i dont get this resoved will seek an lawyer.Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: STERLING JEWELERS, 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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against Jared Galleria Of Jewelry located in XXXX, OH. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Jared Galleria Of Jewelry has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My First & Last name are as follows : [ XXXX XXXX ] My XXXX XXXX Address is as follows : [ XXXX XXXX XXXX XXXX, SC XXXX ] After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

My current address is : [ XXXX XXXX XXXX XXXX, SC 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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$15000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXXXXXX Balance : {$130.00} ; XXXX XXXX Balance : {$630.00} ; XXXX XXXXXXXX Balance : {$930.00} ; XXXX XXXX Balance : {$890.00} ; XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXX Balance : {$210.00} ; XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} 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 non-monetary relief