BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
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: Account information incorrect

Complaint:
For XXXX XXXX Recently , I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my 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 2018-07-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Around XX/XX/2018, I received a letter from Portfolio Recovery Associates in regards to a debt they acquired from XXXX XXXX, accounts ending in XXXX and XXXX. Within 30 days I responded with debt validation. During the period of dispute Portfolio sent a letter on XX/XX/XXXX attempting to collect. Violation # 1 per CFPB. Letter is  attached. 

https : XXXX Portfolio can NOT deny that I sent a letter to dispute because on XX/XX/XXXX their Dispute Department sent verification documentation which asked if I would like to request additional information to VALIDATE. 

Only XX/XX/XXXX Portfolio Recovery sends out a letter stating that they have reviewed my dispute and WRONGFULLY used FCRA to consider this matter closed. 
They also state that if they receive anything else regarding a dispute they will considered the inquiry answered. Letter attached ALSO, on  XX/XX/XXXX stated in letter that they previously requested additional information so that they could complete their investigation. THIS was sent THREE days after the letter I received on XX/XX/XXXX. In this letter they state that they will not complete the investigation. Letter attached HOW CAN A CONSUMER RESPOND TO SEND ADDITIONAL INFORMATION IN A THREE DAY TIME FRAME? 

Portfolio has not only violated my rights under FCRA but have also violated FDCPA laws. This company is using unethical and shady tactics to deter the dispute process that I have EVERY right to as a consumer. How am I suppose to handle said alleged debt if the company is not in compliance from the start?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Some inquiries pop up on my credit report that I did not do or apply for it was fraud I would like to dispute them 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 all of these are fraud I would like it removed please

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 2021-08-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The escrow amount on my mortgage changed and I didn't know it had changed. I have automatic payments setup in my XXXX  XXXX XXXX account and have NEVER been late on a mortgage payment. My normal payment of {$1200.00} was received by 53rd bank on time as it always is but because the mortgage amount had changed and I didn't know, they did not post my payment to my mortgage. The difference if {$32.00} was only a change in the escrow amount yet they didn't apply my payment and hit my credit report with a late payment, which I was not late. 

I have been in the process of refinancing my mortgage, but I can not do that now due to the late mortgage payment report and the subsequent 200 point drop in my credit rating, which has been Excellent. 

I am very upset about this and it is costing me the opportunity to refinance my mortgage and save {$300.00} per month with the lower rates. 53rd Bank 's negligent handling of this is impacting me financially. I also would like to purchase a used car but will not be able to now due to the credit damage they have caused. 

I would like the late payment entry removed entirely from my credit report and my credit rating restored to Excellent immediately. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 2020-06-02
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: Their investigation did not fix an error on your report

Complaint:
( 1 ) Experian has taken fraudulent actions to destroy all my efforts to improve my credit score by falsely reporting multiple charge offs ( in the double digits ) on an account with XXXX XXXX XXXX. 
Account - XXXX The charged off amount of {$1900.00} on a [ secured ] credit card of {$1500.00} is inaccurate. 
Without providing proper documentation from XXXX XXXX XXXXXXXX as to WHY Experian has recorded multiple COs on my credit report, the credit reporting agency conducted a FALSE " re-investigation of my initial disputes ( two of them ) and again inaccurately made reports on my credit file. 
The latest result of my third dispute with Experian is Report Number XXXX Generated on XX/XX/2020. 

Experian has refused to provide proper validation paper documentation/s from XXXX XXXX XXXX that it ( Experian ) utilized to update my credit report and credit score in the unlawful and illegal manner in which it did, in clear violation of my fair credit reporting rights under federal law and the laws of the State of California. 

The contact number that Experian purported to have utilized to contact XXXX XXXX as of XX/XX/2020, i.e., XXXX XXXX XXXX is a non-working number. Nor has Experian sent me any documentation sent from the address for XXXX XXXX it lists on its Re-investigation Result. That address is XXXX XXXX XXXXXXXX, XXXX XXXX, NY XXXX, which I strongly doubt is a XXXX XXXX XXXX address. 

( 2 ) Experian has refused to remove XXXX XXXX XXXX from my credit report despite having concluded a pay for delete with XXXX. Experian knows this for a fact as it now records a XXXX balance on both XXXX accounts and also knows that XXXX [ always ] does a pay and delete in similar situations.

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 2022-11-03
Company: Telsa Motors Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On or around XX/XX/XXXX, I leased a vehicle from Tesla Finance. At the time, I was a XXXX XXXX and I took possession of, and registered, the vehicle in XXXX. To date, I am in full compliance with my lease agreement, having timely made every monthly payment. 

In XXXX, I relocated to XXXX. Pursuant to XXXX law, I am required to register the vehicle in XXXX within 30 days of relocating. In order to do so, I need a copy of the title from Tesla, along with a power of attorney or other document authorizing me to register the car. 

On or around XX/XX/XXXX, I wrote to Tesla requesting the necessary documentation to register the vehicle in XXXX. In response to the request, I was told I should have the documents in about 4-6 weeks. To date, I have still not received the documents and have not been able to register my car in XXXX 

I have attempted on numerous occasions to contact Tesla to find out about the status of the documents. When calling the only phone number that is public, I was directed to send an email and/or leave a voicemail on a " general '' mailbox. I have left numerous messages ( both voicemail and email ) and the only responses I have received have been non-specific, with statements on the order of " Its probably some delay at DMV. '' Despite my requests, I have not even been provided with anything to confirm when ( or even if ) any request was actually made by Tesla to have the title documents pulled from DMV and sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Veros Credit, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ask them to send 1099c since it was written off and they was paid thru profit and loss. The debt is now income and must send a 1099c now thats its taxable income which is not reported to bureaus. Also could I get where I signed to have my credit reported by them. Because their LLC is different from car dealer. Id like it in writing and also the 1099c

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: MA
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:
DEAR XXXX  XXXX XXXX ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: FIRST CENTENNIAL MORTGAGE CORP
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  Account # XXXX, XXXX XXXX Account # XXXX and First CentennialXXXX account # XXXXhas violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I requested validation/verification on multiple occasions. I was told by the credit bureaus representatives that the company simply saying its verified is enough to mark it as verified. Federal law states that if This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Creditors and other furnishers of credit information are required to remove and block the information. Credit information must be reported consistently across all credit reporting agencies. I have provided proof as seen in the attachment of the inconsistencies and fraud and its still being reported.

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 2020-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery has incorrect accounts listed on my credit report with all 3 credit bureaus. I have reached out to Portfolio Recovery without success and/or response. I have written Portfolio Recovery to remove the two erroneous accounts. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20
Company: Experian Information Solutions Inc.
State: PA
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 noticed fraudulent and inaccurate information on my report. Please delete and update 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 2023-06-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and METRO 2 compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.

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 2020-04-07
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
The due date on my Citi credit card is the 1st of every month and the reporting day is the 5th of every month. As previously established and carried out. 

I paid the balance of {$210.00} in full on the 4th and on the 5th Citi cards notified the credit bureaus that I have a full and OVER THE LIMIT balance of {$210.00}!!! This dropped my credit score During this pandemic it is extremely important to have correct information reporting. This balance needs to be corrected and updated immediately. 

I already reached out to them and they are not being proactive with assisting me with the false claim as they are required to BY LAW.

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 2020-04-07
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On my XXXX  report, there two medical bills that have been paid by my insurance carrier, and its still reporting that I owe

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is NOT a duplicate complaint. There are multiple accounts under the same creditor reporting to my consumer report that I am disputing. I am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. In accordance with the fair credit reporting act *XXXX* XXXX account number # XXXX has violated my rights and 15 USC 1681 section 602A. States I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am not a third party I am representing myself. Every piece of information on this account is NOT reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % ACCURATE! I have attached a report from XXXX to show PROOF that this creditor is in direct violation in accordance with the Fair Credit Reporting Act ( FCRA ). The dates of last payment and the dates last active are DIFFERENT with all three credit bureaus. The account status is DIFFERENT with all three credit bureaus. The dates for " Date Opened '' are DIFFERENT with all three credit bureaus. And again... all of this is PROVEN in the file attached to this complaint.

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 2023-10-17
Company: EQUIFAX, INC.
State: CA
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Mr Cooper transferred a negative escrow balance to my new servicer, XXXX. Please review all prior escrow complaints. I understood the escrow to be corrected, and there should not have been a negative balance. I want Mr Cooper to correct the balance to the correct amount.

Company response to consumer: Closed with explanation