BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-13
Company: Braviant Holdings, LLC
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX whose reporting a collection amount of {$2000.00}. This collection agency is performing unfair practices, in which this keeps the account reporting as open/ current and does not display a closing date on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section XXXX of title XXXX Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX XXXX, 2020, my FICO credit score was reduced by 17 points because XXXX  XXXX XXXX XXXX my credit card company ) reported that I have made a late payment. The balance owed on my account was {$0.00}. I dont understand what am I supposed to do exactly? Send a check for {$0.00}? I dont understand why they reported me. 

I tried calling the company on XX/XX/2020 to resolve the issue. They stated that they will remove the report, but have not done so. 

This is a malicious practice that they are doing needs to stop. I will pursue legal action if I have to.

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 2023-03-08
Company: EQUIFAX, INC.
State: MD
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 reached out XXXX times over the last XXXX years, requesting information be suppressed, that were made on my account fraudulently. I complied with all FCRA guidelines, regarding what I needed to send in, including, but not limited to a identity theft report. The credit bureau has not acknowledged receipt of the suppression request ; have not given me a reason as to why the suppression has not been granted, nor communicated with me, within the legally obligated XXXX XXXX. I have certified receipts of the mail being delivered as of XX/XX/XXXX, XXXX business days ago. This is the exact non-response from XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter to XXXX, Experian and XXXX regarding inaccurate and unknown things on my credit report. 
To this day 90 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 90 days so it should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-10-05
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I opened the account and I wasn't told about their overdraft fee nor was I told that they will go into my account and transfer money out of one of my accounts without my prior authorization and place it into another account to recover any other fees. This is fraud and this is theft. Navy federal made my account negative because the transaction was posted to my account Last week and then Navy federal posted the money back to my account for availability so I did not know the transaction wasn't completely making me in the negative balance. But this just occurred on XXXX XXXX, and the next day on XX/XX/2022 they Fraudulently transferred my money out of my account. Send me an email with a response as well as an ACH deposit to my account for the Consumer violations within 5 days of receipt of this letter. The mailing address is XXXX XXXX XXXX XXXX Mississippi XXXX. My Location of Information is the above mailing. I have XXXX XXXX XXXX XXXX MaXXXX because that is my area of location where I work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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:
Hi I am submitting this XXXX XXXX  this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-01-23
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
COVID hit California and my son was enrolled in XXXX XXXX XXXX University and the University shut down and the students were sent home. XXXX XXXX XXXX took my Son out of the Deferred Status to the Repay Status. So, XX/XX/XXXX we made the payment of XXXX on time. Then in XXXX I paid in advance for XXXX, XXXX, and XXXX of {$200.00} ( when XXXX, 3 months so I overpaid by XXXX ). Still in XXXX the continued to bill me at XXXX, then billed me for XXXX another XXXX. So XX/XX/XXXX I paid the XXXX, Then I paid a payment on XX/XX/XXXX another {$100.00} Still ahead by XXXX, now add XXXX of which was included in my XXXX payment of the {$200.00}, so now I am ahead by {$140.00}. I pay over the phone and choose the advance pay option, but they obviously are not noting the account. So, they keep billing me the XXXX, I don't make another payment until XXXX of {$160.00} because I have paid in advance for XXXX and XXXX, still leaving reserves. The automatically billed me for XXXX and XXXX of which the payments were returned because I did not know they signed me up for automatic payment. Should not matter because I was already paid through XXXX, then in XXXX I paid {$260.00} because they said I owed them the money, but in fact at this point from XX/XX/XXXX to XX/XX/XXXX I paid a total of {$780.00} which is {$96.00} over the payment schedule they gave me of XXXX each month.

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 2020-09-30
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I submitted a request via email to Dovenmuehle because forbearance had been in accurately reported on my mortgage loan and my credit report. I followed up with Dovenmuehle on XX/XX/2020 with 3 phone calls and I was told my issue would be resolved within 10 business days. During one of my calls that days I requested information on how my loan was put into forbearance status without my knowledge or consent and what actions I needed to take to ensure this was resolved. I was not given any information but I was advised a supervisor would look at my case and call me back within 2 business days and I  never received a call back. I called again XX/XX/XXXX and was told the same information once again. Again after waiting 2 days I never received a call back. I then placed another call and I was told Dovenmuehle mailed out documents to me and the week before and to wait to receive the documents. The mail I received from Dovenmuehle stated they were researching my issue. I've continued to call Dovenmuehle several times a week and in some cases several times a day and it has now been over 90 days with no resolve. I have received 2 letters stating they are researching my issue but I have yet to see any follow up or correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
In an effort to purchase a home, I had to unfreeze my credit through all three credit report bureaus, of which Experian was one. I was eventually able to gain access to my account through Experian, and managed to release the credit freeze on the system which I had committed around the period of the last large data breach ( XXXX ). 

I do not recall purchasing or seeing my consent placed on purchasing a {$21.00} a month Credit Report Subscription which I did not need nor did I want. There may have been wording that described a free trial, but all I needed to do was gain access to my account and release the credit freeze. 

My surprise came when my credit card was billed twice for their service for which I do not recall seeing a charge or fee described for. It is insulting that an agency I have to deal with can tack on a surcharge and bury it so as to trick consumers into paying for an altogether unnecessary service. 

For others contending or about to contend with their credit report : Assume all the credit bureaus are going to charge you for a " product '' and make it very difficult to determine if you are being charged for it or not.

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 2023-11-13
Company: Auto Credit of Virginia Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
As per Complaint XXXX. I Informed them to stop all communications in regards to a debt that does not belong to me. And yet, they sent another email threatening legal action if the debt is not paid. I have never received anything to confirm that this debt was mine in the first place, and years ago They used the same scare tactics and threats to get me to sign something I did not believe belong to me. Nothing to confirm my signature agreeing to the said " XXXX XXXX ''. There was no contact in 2020 for them to close out the account and start a new one. Please see screenshots that show they still have the account listed as a car loan on my credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: MS
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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 2022

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 2020-12-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Due to me being a victim of identity theft I spoke with XXXX at Experian on XX/XX/XXXX about the unauthorized accounts that appears on my credit report I request the following accounts to be delete and removed off my Experian credit report : XXXX XXXX XXXX open date XX/XX/XXXX amount {$7200.00} account # XXXX. " XXXX XXXX XXXX XXXX '' open date XX/XX/XXXX account number # XXXX closed account. XX/XX/XXXX at XXXX about an unauthorized account " XXXX XXXX XXXX XXXX '' open date XX/XX/XXXX account number # XXXX closed account. On XX/XX/XXXX I spoke with XXXX about an unauthorized account " XXXX XXXX XXXX XXXX '' open date XX/XX/XXXX account number # XXXX closed account.Doing the trouble sometime of Covid 19 when acquiring funds to sustain everyday life is crucial, These unauthorized accounts has severely hindered me I am requesting that all above unauthorized accounts be removed immediately from 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 explanation
Consumer complaint received 2020-02-06
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered into a short sale process on my home with XXXX  XXXX XXXX in XX/XX/XXXX. I took the time to submit all required financial statements, all documents requested, appraisal was done on the property, and in XX/XX/XXXX before providing a decision on the short sale XXXX  XXXX XXXX transferred my loan to SLS. All of the documents were transferred over to SLS for them to begin their review. After providing any additional information, it took months for SLS to finally approve me for a short sale which they did. Now they have to approve the contract that is in for the property which we were told could take up to 30 days. More than 30 days passed and SLS still would not issue a decision and requested another appraisal be done. A BPO agent went to the property on XX/XX/XXXX to do the appraisal requested. I have still not heard anything regarding a decision from SLS and Fear that I am going to lose the buyer due to their continued lack of attention to this case. I feel that SLS is intentionally delaying the short sale and is acting in bad faith. They have had everything they need to issue a decision for quite some time now. I have now been waiting for 7 months for a decision - 5 of those have been with my file is the hands of SLS and in the meantime my credit continues to suffer and my property continues to decline as it is no longer being maintained.

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 2023-11-24
Company: Experian Information Solutions Inc.
State: FL
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:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-20
Company: DISCOVER BANK
State: FL
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: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Sunday XX/XX/XXXX I accidentally added a XXXX dollars to my Cash App account. I added it twice because I received a error message stating ( My transaction could not be completed they I I would be notified when it was completed ) on the first attempt. I sent XXXX to my friend and requested a cash out on the other XXXX. I was prompt to pay XXXX for instant deposit and free if I waited until Tuesday. I chose to wait and my other money was sent to an account that I havent used in since XXXX. I explained that to Cash app customer service reps and they continue to act like This is my fault and when I asked for there supervisor or any information they hang up. I still dont know how to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Aqua Finance, Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Called up companies that are reporting negative activity on my credit profile requesting information on the accounts. I havent received documentation however when I dispute the accounts with the credit bureau it comes back as valid. These accounts are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: NY
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:
Wrong address listed on file and employee XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ny XXXX wrong address XXXX XXXX XXXX # XXXX, XXXX TX XXXX wrong address XXXX XXXX wrong employer The right employer is XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute a debt collection account that is appearing on my credit report. Under the Federal Fair Credit Reporting Act ( FCRA ), it is required that all information on a credit report be accurate, complete, and verifiable. However, the debt collection account in question has not been verified, and I believe that it is inaccurate and incomplete. 

According to the FCRA, debt collections can only remain on my credit report for up to 7 years from the date of the original delinquency. In this case, the debt collection is beyond the allowed time frame and should be removed from my credit report immediately. 

I request that you investigate and remove this account from my credit report as soon as possible, in accordance with the FCRA. Additionally, I request that you provide me with an updated copy of my credit report once this error has been corrected. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have not been able to go back to Ohio where I get my mail because of COVID and XXXX issued me new card and charged me a fee for it which I didnt know about. I have not been using this and for a long time and didnt even know about it. They are now saying I can cancel the card but still have to pay the fee.

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