BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-03-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Last month I received a phone call for my husband from XXXX XXXX XXXX saying he owed money and if I did not pay today it would be sent to litigation. The debt was Wachovia/wells Fargo, and account that we have never had. I had my husband call to get more information and they became very nasty with him. I called back asking for documentation on the debt because i did not think it was our debt and they became aggressive. They did email my husband something saying how much he owed, and I called back and asked to be emailed a copy, and the dollar amounts did not match. I called Wells Fargo and went over the above and verified that we have never had an account with them and I sent them the emails the XXXX sent to us and they started a fraud investigation. Yesterday I received another collections letter in the mail from the. Still trying to collect this debt. These people have my husbands full social security number ( we did not give it to them )

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 2018-12-06
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
GILA Corp ( XXXX ) XXXX  has attempted to collect a debt from me in the past that i found out was not mine at all. Upon my request, Gila Corp provided more details about the debt and i determined it was someone with my same name, but was not me. I proved this to them by telling them this person had a different birthday than mine, we only shared a name. The agent confirmed they would no longer call me or pursue this debt with me, but fast forward a couple years and now theyre back at it, calling my home 3 times a day. I do not feel that i should have to argue with them and prove to them my identity every 2 years in perpetuity, they need a better way of verifying identities of the people they harrass and not just blanket call everyone in the USA who shares the same name, hoping that theyre scare tactics will cause multiple people to pay a singular debt of someone they have the misfortune of sharing a name with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Affirm Holdings, 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:
The company who reported incorrectly gave the loan details to me in which also they never called me about a missing payment when I was clearly paying weekly. They were no help and reported payments missing though I attempted to call with no answer multiple times due to needing covid assistance with my purchase. 

I still paid everything off before they reported the account as delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am a new account holder with the American Express XXXX XXXX. I do not have a preset spending limit. When I applied for this card, I was immediately charged {$690.00} as the annual fee. I am not a frequent traveler so I probably will not reap much in benefits from this card. A couple of days ago, my card was declined during an in person transaction at a retail location, a rather embarrassing moment. I was never contacted by American Express to inform me that my card was on restriction due to a " high balance '' of over {$7500.00}. I have paid more than the minimum amount due in my monthly statement. With that being said, AE representatives informed me upon my call of inquiry to them that my card can not be used until a payment of over {$700.00} is paid. 

At no time did I ever receive a bill from AE for this high amount of over {$700.00}. In fact the billing has only been a minimum payment of approximately {$55.00}. I called today, XX/XX/21 and spoke to a supervisor. I could hardly hear him or understand him due to his accent. I repeatedly asked him multiple times to speak louder and slower so I could understand him. I am very upset that I have this account with such a high annual fee, but they restrict my spending. This was not disclosed to me when I applied for the account. I respectfully ask for your attention to this matter. My attempts to plea with AE officials have not been successful. In fact, they keep repeating themselves with the same answer to all of my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: LA
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 express my deep concern regarding the inaccurate information that has been reported on my consumer credit report. It has come to my attention that your agency has failed to maintain accurate records, which has had a detrimental impact on my financial standing. I have recently reviewed my credit report, obtained from your agency, and discovered several discrepancies that are grossly misleading and damaging to my creditworthiness. These inaccuracies in my credit report have had severe repercussions on my financial well-being. They have caused me to be denied credit opportunities, subjected me to higher interest rates, and hindered my ability to secure affordable housing and obtain favorable employment. Furthermore, I have diligently maintained a responsible financial track record, making timely payments and keeping my credit utilization low. Therefore, it is particularly distressing to find such erroneous information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a legal obligation to ensure the accuracy of the information they report. Section 611 of the FCRA grants me the right to dispute inaccurate information on my credit report and provides you with a duty to conduct a reasonable investigation into the matter. It is clear that your agency has not met this obligation. The FDCPA states you must cease collection activity until you have produced verification of the alleged debt if so requested. As per the FTC, this includes reporting to the credit reporting agencies, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it in the previous 4 months since it was requested. Also, when an alleged debt is disputed, a notation must be entered on the debtors credit report showing the item as in dispute. Again, this was not done. Im sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the XXXX XXXX XXXX XXXX XXXX. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.

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 2021-11-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have mailed my driver 's license and social security card to XXXX XXXX, XXXX, and Equifax. ( XX/XX/ } certified to prove my identity and address. On my XXXX, an Equifax has duplicate names including the last name XXXX that do not belong to me. I understand also soft inquiries are not an issue, but it is to me ; I have not applied for any utilities such as XXXX XXXX XXXX XXXX, XXXX, etc. it's over XXXX inquiries I am doing my responsibility on my part so, what is the credit bureaus responsibility? They're not doing their part. Yes, I understand we are in a pandemic but are they even taking the time or just do not care about us consumers. We do have rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 explanation
Consumer complaint received 2021-03-10
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The XXXX XXXX Branch has had an ongoing problem with the ATM XXXX. On four specific occasions while using the machine all of the sudden the machine took my card and would not return it. I could not withdraw any money in my account and literally had to go without adequate money for the weekend. Each time I confronted the Branch Manager and he indicated he was sorry, but he did not bother to fix the problem. I did contact the Corporate in XXXX XXXX, MN without any success. By not allowing me access to my money the Bank in essence had financial gain since it was able to keep my money during and make interest on it at a time that I needed it. This is an act of Fraud.

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 2022-02-11
Company: Valentine and Kebartas, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
We received an attempt to collect a debt from Valentine & Kebartas , LLC through the mail on XX/XX/XXXX. We disputed the debt and requested that they no longer contact us for purposes other than verifying the debt, this letter was mailed to Valentine and Kebartas on XX/XX/XXXX. Valentine & Kebartas , LLC made no attempt at verifying the debt, instead the next time we heard from them was on XX/XX/XXXX when we received yet another letter attempting to collect the debt and ignoring our request not to do this until they could verify the debt first. I sent them a second letter in response that was mailed out on XX/XX/XXXX reiterating our dispute of the debt and the need for verification before any attempts at collection continue. Again we did not receive any attempt to address our dispute or verify the debt. Instead, on XX/XX/XXXX we received a third letter from Valentine & Kebartas attempting to collect on the same debt despite us requesting on XXXX separate occasions not to do so until they could verify the debt. On XX/XX/XXXX we mailed them a XXXX response notifying them we are still disputing the debt, we still expect not to be contacted for purposes other than verification and also notified them that they are now in clear violation of the CFPBA and I would be reporting their violations to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : 11 XXXX ) XXXX, XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) 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 2023-08-26
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/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 2023-06-28
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 explanation
Consumer complaint received 2020-01-03
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage has refused to give back almost {$3000.00} due to the family after the passing of the father and the sales of the house and settlement of the estate. They issued a check incorrectly in the name of the deceased which could not be cashed as it was not written ( as directed by the estate attorney ) to the Estate. After multiple attempts to resolve the issue, we escalated with the ConsumerFinance.gov website and received an incorrect resolution summary document ( attached ) from ShellPoint Mortgage which FALSELY states that funds were distributed via EFT, which they were not. No funds were distributed to any estate or personal bank accounts via EFT, and no checks were issued to the estate.

Multiple subsequent attempts to reach the bank for reply have gone unanswered. XXXX XXXX in the ShellPoint Mortgage compliance department has not returned multiple phone calls to the number that was outlined in their response ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
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: 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 explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$39.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021 Citibank closed an account with pending ACH credits totaling at least {$2000.00}. Citibank refuses to confirm the account balance that will be sent as a check and will not completely close the bank account in order to try and collect fees until the account balance is {$0.00} ( basically steal money ). They keep saying the account will be closed in 60 days but the account is already closed since it is restricted. By waiting these 60 days they will try to collect fees such as inactivity or monthly fees in order to steal money.

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