BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: IN
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:
I am writing to inform you that theirs a negative items on my credit report have passed the statute of limitations and should be removed from my credit report immediately. These item is no longer legally collectible, and their presence on my credit report is unfairly impacting my credit score. 

The negative items in question is : XXXX. XXXX XXXX XXXX ACCOUNT NUMBER # XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to remove negative items from a consumer 's credit report after they have passed the statute of limitations. 

I have verified that the items in question have passed the statute of limitations in my state, and I request that you remove them from my credit report immediately. Their continued presence on my credit report is in violation of the FCRA and is unfairly harming my credit score and my ability to access credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hi, Back in XXXX I had to get a new business account due to fraud alerts. That business account was the account I used to pay my cards with. I had auto payments set up to pay my cards but since I had to open a completely new account that changed everything. 

When I was with the banker he said that everything would go back to normal and I didn't have access to my account for 2-3 days. To keep the story short, I was never notified about the late payment or that I even had a late payment due.

The other story was with XXXX with a car loan. I called in and declared them to send me the payoff of the vehicle. I sent them the amount that they told me over the phone and apparently it wasn't enough to cover everything. I was short {$110.00} on a {$270000.00} payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
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: Account status incorrect

Complaint:
Accounts on XXXX  and XXXX have been closed but still show as deliquent. There are inquires that should be on the reports. XXXX XXXX XXXX XXXX These accounts are not suppose to show

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: GA
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:
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.

has violated my rights. Or list of inquiries 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 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.

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 2018-02-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX is trying to sabotage my mortgage by refusing 2 payments that I made through XXXX XXXX in the amount of {$2700.00} on XX/XX/XXXX. 

I would only be one payment behind and one payment currently due but if they are allowed to refuse my payments then it will put my home into foreclosure. 

I have spoke to them in the past and they have admitted that they have the right to refuse my payments. They are therefore deliberately trying to force me into foreclosure. 

I spoke with XXXX the supervisor at XXXX XXXX and she stated on XX/XX/XXXX that it was returned because it wasn't enough money. 

I only owe for XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX On the back of my statement I boxed in the amount that I am past due. 

With the payment amount of {$2700.00} that I made I would only be late for XX/XX/XXXXand XX/XX/XXXX which I was paying an additional payment in the next week. 

I have attached proof of letter from XXXX XXXX of rejection and a scanned copy of my recent XX/XX/XXXX mortgage statement for XX/XX/XXXX. 

Let it be known that I stated in my previous complaint recently about Carrington MS that they were going to do something like this to push my family into the streets and foreclose on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I recently submitted a complaint regarding a delivery fee not being refunded by XXXX 's. I submitted the case on XX/XX/XXXX Case # XXXX. 

They resolved it by crediting me like {$220.00} to my XXXX 's credit card financed by XXXX XXXX. Even though I didn't get the {$220.00} I was promised. I rolled with it. 

Everything was okay until today XX/XX/XXXX. I received a call from a lady name XXXX stating that she was XXXX 's XXXX XXXX from the XXXX store. 

She threatened me and stated that if I didn't pay her the {$220.00} for the barstools and end tables. That she'll put this as a collections on my credit report. She stated that I did a chargeback with XXXX I better pay them or bring them the items back immediately. I told her she needed to call XXXX to understand what happened. XXXX explained that she won't call them since they gave me a credit. Due to me telling them I didn't make that purchase. 

XXXX better straighten this out right now, or I'm going to retain legal council. They have until next XXXX XX/XX/XXXX to update me, or I'm suing. This place is a scam and a rip off.

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 2020-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates, LLC is attempting to collect a debt from me that I do not owe. 
Portfolio Recovery Associates, LLC is alleging that I owe {$380.00} but is refusing to providing me a valid contract to show that I agreed to the terms of this debt. 
I did not signed nor agreed to a contract for the {$380.00} that Portfolio Recovery Associates, LLC is alleging that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dear Wells Fargo, I am writing to request a refund for an unauthorized XXXX transaction on my Wells Fargo account. I discovered a transfer of a total of {$3800.00} from my account to an unfamiliar recipient. I immediately reported the incident to Wells Fargo, providing all relevant information regarding the transaction. Wells Fargo is required to investigate all reports of unauthorized transactions. 

However, I am disappointed that the bank has declined to issue a refund, citing federal law as the reason. I believe that I am entitled to a refund under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. The EFTA and Regulation E state that a bank is liable for unauthorized electronic fund transfers if it fails to implement reasonable security procedures to protect its customers ' accounts. In my case, Wells Fargo 's own investigation revealed suspicious activity on the Client 's online banking account, with logins recorded from locations such as Texas, XXXX XXXX, and even XXXX. 

These findings strongly indicate unauthorized access and fraudulent activity. As a responsible account holder, the Client have always taken necessary precautions to protect my account information. I have never shared my account number or password with anyone, and I use a strong password that the client change regularly. The client also use two-factor authentication whenever possible. 

Given the circumstances of my case, The client believe that Wells Fargo is obligated to issue a refund for the unauthorized XXXX transaction on my account. I respectfully request that you reconsider your decision and promptly initiate the refund process. In the previous letter, the client was asked to provide new evidence regarding the claim, I have attached all the evidence regarding the claim, including the police report. Thank you for your time and attention to this matter. I look forward to hearing from you soon. Sincerely, 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 2023-07-31
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 following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Thank you. 
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 2020-03-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information has been compromised and used to access credit fraudulently on my behalf without my knowledge or consent. I applied for a homeloan and noticed several discrepancies. The accounts list as XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX. These are all accounts that I have never done any business with and are now hurting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response or any corrections from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation

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 2023-03-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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. 
Account name : XXXX XXXX XXXX Account Number : XXXX Account name : 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: PENTAGON FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
As of XX/XX/2023 XXXX reported back inaccurate info ( Pentagon Federal Credit Union ) of XXXX Days Late. PFCU has already made the correction on their end however XXXX customer rep claims they were never sent appropriate documentation from PFCU. Reporting inaccurate information is a violation of the FCRA under section 623 ( a ). To avoid a civil rights lawsuit, I am requesting XXXX to remove these late payments from within my credit reports, and to list this trade-line as paid as agreed and/or never late later than five business days or if not I will not hesitate to seek legal action against you.

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 2022-02-12
Company: Experian Information Solutions Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
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 submitted a idenity theft report regarding fraud on my Experian Credit report. I have reported this problem twice before to Experain and they failed to do a proper investigation and failed to remove the damaging fraud from my credit report while the investigion was to be done. 

The following account is fraudently reporting on my Credit Report and they have done NOTHING to remove it. 

XXXX XXXX XXXX  account # 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 2018-02-14
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: Account status incorrect

Complaint:
In XX/XX/XXXX, I received a phone call from XXXX XXXX, my mortgage company, about a disaster forbearance due to Hurricane Harvey. During that time I was told that no payments would be due on my account and that no credit reporting would done. At the end of XX/XX/XXXX I received a letter that stated my disaster forbearance would end on XX/XX/XXXX and at that time the total sum of my account would be due in the amount of {$1500.00}. Because XX/XX/XXXX was a holiday and offices were closed, I called XXXX XXXX on XX/XX/XXXX and paid the requested amount of {$1500.00}. On XX/XX/XXXX, I received a credit monitoring notification that there were changes to my credit report. When I checked my credit report, it was noted that XXXX XXXX  reported my mortgage account as delinquent 90-119 days past due. I then placed a call to XXXX XXXX and spoke to a manager regarding this matter. I was told that they were aware of the problem and an issue with their system prompted the system to subsequently report all customer accounts that were on disaster forbearance as delinquent for more than 90 days. I was then told that a task was sent on my behalf to their credit reporting department to have the incorrect reporting updated to adequately reflect no late payments. I was also given the name and fax number of a XXXX XXXX and was told that as an added measure, I could submit a letter to her in an attempt to expedite the matter, which I did. I made subsequent phone calls to XXXX XXXX regarding this matter to have the same answers regurgitated and no action taken. This reporting has dropped my credit score over 100 points and even further dropped my credit score by having my creditors reduce my credit limit on current accounts thus increasing my utilization rate on these cards. This has also made me have to put a needed car purchase on hold as my credit score, as it stands would cause me to have a higher than wanted interest rate and down payment. It has been past 30 days and my credit report continues to reflect an account that is 90-119 days late. 
A more thorough review noted that XXXX XXXX has reported my account as 30 days late for XX/XX/XXXX, which is also incorrect. 
I have disputed this information with the credit bureaus and submitted proof of the letter received and proof of payment, it has been past 30 days and nothing has been removed from my account

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 2023-08-15
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

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 XXXX XXXX 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 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.

I want the CFPB to publish this description on consumerfinance.gov so that

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 2023-03-12
Company: EQUIFAX, INC.
State: SC
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 a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there where still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX Account # XXXX XXXX which is an opened collection Account type. Has all kinds of inconsistencies where it is showing that it was opened with XXXX on XX/XX/ and Equifax XXXX  and never opened with XXXX I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX Account # XXXX XXXX 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. it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation