BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$860.00}.

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 2022-10-25
Company: Experian Information Solutions Inc.
State: NV
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 ordered a copy of my credit report and saw an account was opened fraudulently under my name with a company called XXXX XXXX on my credit report it shows a balance if {$6500.00} that was charged off. This is not mine, I need this to be removed. The account was opened around XX/XX/2021.

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 2022-03-15
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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: OK
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:
In accordance with the Fair Credit Reporting act 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

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 2023-11-02
Company: EQUIFAX, INC.
State: TX
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:
Please delete this fraudlent account, I did not authorize someone else to use my personal information to open this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
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 discovered that there is 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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any 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 : {$6400.00}

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 2023-08-30
Company: Experian Information Solutions Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
On numerous occasions I have contacted all XXXX credit bureaus regarding them reporting a public record on my consumer report. After each dispute they return that the court in which the public record is being recorded has validated the account which is incorrect. I have personally contacted the local court and they have sent me proof that they do not nor have ever validated this 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 2019-12-05
Company: EQUIFAX, 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:
I have sent 3 letters to all 3 credit bureau 's, ( XXXX, Equifax, XXXX  ), and the negative items that I have requested to have removed, still remain on my credit. They are required, under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. They have not provided me a copy of any original documentation ( a consumer contract with my signature on it ),  as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). They have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ). I have been told that they have properly verified the accounts but I have not received any documentation with my signature on it. I've also been told by a rep at Equifax that they don't have original documentation with my signature on it because keeping paperwork like that would take up too much space.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for mortgage assistance from my state. My mortgage company didn't follow through and the state never heard back. They were willing to help. Instead, the mortgage company put me on another remodification and lowered the monthly payment a little but the state was willing to pay the back payments. I'm still struggling because I'm waiting on social security XXXX. Social security is still working on my claim and may not be resolved until XXXX. I only work 2 days a week due to back problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, 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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX, XXXX XXXXXXXX, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXXXXXX, and XXXX XXXXXXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Experian Information Solutions Inc.
State: VA
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:
RE : Case # CFPB XXXX-XXXX FCRA Charge off Rules require accounts to be delinquent for 180 before charge-off. As per XXXX XXXX, " Once the account is sold no more activity is reported to the CRAs. So why does Experian have activity after XX/XX/XXXX on my credit file? 

This is what CFPB XXXX-XXXX  is reporting : XX/XX/XXXX ( no payment ) DOFD Charged off : XX/XX/XXXX Account Sold : XX/XX/XXXX ( XXXX ) Experian continues to report this account AFTER IT WAS SOLD to XXXX on XX/XX/XXXX from XX/XX/XXXX through XX/XX/XXXX as per Case # CFPB XXXX-XXXX ) experian continued to report this account. 
SEE ATTACHED EXPERIAN DIAGRAM. 

THE CREDIT LIMIT WAS ONLY : {$600.00} - YET THE DEBT is being reported opened as of XX/XX/XXXX, balance $ XXXX.by XXXX. ( SEE ATTACHED ) This report is in violation of the FCRA 's Furnisher Rule :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, I hope this message finds you well. I am writing to formally dispute the information provided regarding the account held by XXXX XXXX XXXX, which was originally associated with XXXX XXXX XXXX XXXX XXXX The account details are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2023 Balance : {$560.00} Balance Updated : XX/XX/2023 Status : Not Specified Past Due Amount : {$560.00} I am disputing the accuracy and validity of this account for the following reasons : Lack of Clarity : The provided account information lacks clear and comprehensive details about the nature of the debt, the transactions, and any associated terms. Without this information, it is difficult for me to verify the accuracy of the reported account. 

Timeliness of Reporting : The account was reportedly opened on XX/XX/2023, and updated in XX/XX/2023. I find it puzzling that this account could have been opened, updated, and incurred a past due amount within such a short span of time. 

Lack of Documentation : I have not received any communication or documentation from either XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX  regarding this alleged debt. It is imperative that I am provided with proper verification and documentation of this debt 's existence and validity. 

Discrepancy in Balance : The reported balance of {$560.00} does not correspond to any known transactions or financial activities on my part. I would appreciate a detailed breakdown of how this balance was calculated. 

Given the discrepancies and lack of substantiated information, I am requesting a thorough investigation into this matter. I kindly request that you provide me with the following : Validation of Debt : Please provide documented evidence that validates the existence and legitimacy of the debt in question. 

Detailed Account Information : Provide a comprehensive breakdown of the account activity, including any transactions, payments, and changes in status. 

Terms and Agreement : Furnish a copy of the original agreement and terms between myself and XXXX XXXX XXXX XXXX XXXX  that would support the validity of this account. 

Proof of Ownership : Demonstrate proof that XXXX XXXX XXXX has the legal authority to collect this alleged debt. 

I am committed to resolving this matter and ensuring the accuracy of my credit report. Your prompt attention to this dispute and provision of the requested information is greatly appreciated. Please consider this letter as an official request for verification under the provisions of the Fair Credit Reporting Act ( FCRA ) Section 609. 

I look forward to a timely resolution of this dispute and the subsequent correction of any inaccuracies on my credit report. Please provide all correspondence in writing to the address associated with this account. 

Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2022-11-22
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/ 2022 I opened both a checking and savings account with citibank as part of a promotional bonus program for credit card holders ( emails of both programs attached ). I met the terms of the promotion ( more than {$30000.00} on deposit since XX/XX/XXXX ) but have not received the bonus for my savings account. I called in early XXXX and was told that the amounts of my promotions would be present in my account on XX/XX/XXXX and XXXX respectively, confirming with the agent at this time ( on a recorded call ) that there were bonuses of {$700.00} for the checking and {$300.00} for the savings due to me. I spoke with customer service again on XX/XX/XXXX, provided the promotional code, and was told that the {$700.00} bonus was the only bonus due to me. Not correct. The dispute refernce number is XXXX. I had previously called around XXXX XXXX, 2022 to confirm that I was properly enrolled in both programs as I had only received an email confirming my enrollment in XXXX of the programs. I was told ( on a recorded line at that time ) that I was enrolled in both programs.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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, 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 an 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.

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND EXPERIAN XXXX XXXX, OR XXXX XXXX NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).

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 2017-03-04
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Experian received communication via notarized signed affidavit to NOT add any Fraud or OFAC alerts to my Experian report without my consent. Experian willfully and negligently added a Fraud Alert anyways on XX/XX/2017. Here is the XXXX tracking of the certified letter sent to them that CFPB can google, XXXX. I have attached the affidavit sent to Experian as a record to the CFPB. It does n't have my notary information listed for my privacy protection.

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 2019-09-30
Company: SYNCHRONY FINANCIAL
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a letter in the mail on XX/XX/2019 from " Synchrony '', XXXX XXXX XXXX  XXXX, XXXX, FL XXXX, dated XX/XX/2019 stating I had an " Account ending in : XXXX, and the reminder that <I> have a PayPal Credit account. The letter goes on to state how PayPal credit works, special financing basics, and how to contact PayPal or call Synchrony with questions. 

1. I, literally, have never heard of " Synchrony '' before this letter. 
2. I have never opened a PayPal account. 

This is a literal, physical, phishing attempt to glean private information -- fraud. 

I called Synchrony and spoke to their " Fraud '' department, who asked for the same information as Synchony 's automated voice system ; phone number then social security number. 

I verified my credit report does not show Sychrony or PayPal entries. 

Until an examples are made, there will be no depth 's that bad actors won't go.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notification from ShellPoint Mortgage informing me that they have purchased a lender-placed insurance policy on my condo property at a cost of {$4500.00} ( which is roughly 6 times for the insurance coverage I have personally. The evidence of insurance the mortgage company is looking for is secured and paid for by the HOA. I immediately responded by sending an email with accompanying proof of insurance - which by the way, all HOA provide access for this information through a web site. I received no response. After receiving another two notifications and corresponding email responses, once again, I sent in the insurance verification as instructed. I have left 9 messages, in addition to my emails, for a manager or supervisor to call me back. I have received NO calls as of this date. I have attempted to contact the insurance division of this mortgage company at least 7 times, each time having to disconnect after nearly 150 minutes. When I contact customer service, I am told that customer service has the same problem contacting the insurance division - my last call with customer service was at XXXX XXXX. on XX/XX/2023 ( all calls are apparently recorded ) speaking with XXXX XXXX in XXXX, Michigan. 

Apparently, as a result of failure to acknowledge receipt of evidence of insurance, the mortgage company has increased my monthly payment. My last payment ( for the month of XX/XX/2023 ) fell short by nearly {$70.00}. The company refused to acknowledge the payment ( although paid on time ) and has charged me a late fee of $ XXXX egregious act given the company 's failure to acknowledge or respond at least since XX/XX/2023, when I have evidence of my communications. 


Mortgage Company : Shell point ( a division of newrez ) account # XXXX property address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX You help and support can prevent this company 's egregious acts and fraudulent activities with other consumers. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation