BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-18
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:
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, XXXX, and Experian. 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: In progress
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: FL
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 sent the credit Bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 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. 

Accounts Disputed Listed 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 

I never opened accounts with any of the accounts listed above and it is being reported on my credit report inaccurately I sent the credit bureau multiple letters and proof from XXXX  XXXX even to today Ive also called each of the credit bureau to get help removing these account being improperly reported on my credit reports and I still have received the proper help or proof that these are my account i demand that these accounts be removed from my credit reports immediately or I will hire an attorney this week and will be force to seek legal fees and compensation for the stress and mental health issues the three credit bureau has caused to me and my family over this matter. The credit bureau violated multiple Fair credit reporting on Acts on my credit reports.

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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed above. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the 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 non-monetary relief
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: GA
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:
In late XX/XX/XXXX, I mailed a dispute with FTC documentation to Equifax disputing the inquiries below as unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX On XX/XX/XXXX, I contacted Equifax regarding the above unauthorized inquires on my credit file to no avail. There was sadly a language barrier issue involving the representatives that I spoke with at Equifax, and they did not resolve any of the issues on my credit report listed above resulting in me filing a complaint with the FTC regarding this matter. These inquiries have negatively impacted my credit, and adversely impacted my ability to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear [ Creditor or Credit Reporting Agency ], I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Synchrony Bank is sending me bills for things I never purchased.

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 2022-11-14
Company: Experian Information Solutions Inc.
State: OK
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:
I have sent a letter to Clarity to fix inaccurate information about my personal information. 

I sent my letter off to correct the " Names, Addresses, and Phone Number '' on my credit report. I have listed below. Also I have attached the letter I sent out. 

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
In this CFPB complaint, XXXX XXXX is requesting once more that the credit reporting agencies remove the challenged fraudulent accounts that are still shown on my credit record. According to Fair Credit Reporting Act Section 605b, the Credit Reporting Agencies are required to erase any accounts and information that were the result of identity theft. I was a victim of identity theft once more, and I'm requesting once more to have information gained through identity theft deleted from my credit report. In line with FCRA 605B ( 15 U.S.C. 1681c-2 ), any accounts must be deleted no later than four business days after XX/XX/XXXX. I had shared this report in my previous letter, and I'm publishing it again. I have my questions regarding the veracity of the information you provided on several accounts because I am UNKNOWN to you and REMOVED from other bureaus. My credit report should be cleared of the following accounts : XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXXXXXX Date AssignedXXXX Original Balance {$2900.00} XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Balance {$1300.00}. Despite their inability to send me copies of the proof of verification from their investigation, the Credit Bureaus kept the disputed accounts on my Credit File! Since the Credit Bureaus ' actions violated a consumer 's FCRA rights, the accounts should be immediately terminated.

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 2023-03-29
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a complaint, again, against National Credit Systems. I requested that they remove the collections from my accounts because my signature and that of my late husband, did not match ( not even close ) to the paperwork they have on file, I also filed an affidavit for Identity Theft as I have been dealing with that a lot more lately. 
They have removed the collections from my XXXX report, but not from XXXX and XXXX. why is that? Will they please just remove it already. According to XXXX, it was voluntarily removed by National Credit Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: National Enterprise Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has been harassing me and calling me daily, non stop. They have even called before XXXX, and refuse to stop. There has been no written notification of debt, so Im confused on why theyre even contacting me. If I dont answer they call from a XXXX number.

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 2023-12-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
I sent a Registered Security to Wells Fargo & Company after 2 weeks still not seeing the updates reflecting in 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 2023-07-03
Company: Apex Processing
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I signed up with this company to assist with consolidating my numerous student loans and to assist with The PSLF program. I feel like I was misled after speaking with both of my loan servicers today. I was told by a representative from APEX, that I would have a smaller monthly payment around {$400.00}, and most of my loan would be forgiven. I paid them {$1200.00} in 6 monthly installments, with the last one paid in XX/XX/2023. I had not heard anything from them since XXXX so I sent an email in XXXX to get an update. I was told that a message was given to the rep that was handling my account. I called back in XXXX and requested more information regarding the status and if I could get a letter regarding how much my payment was going to be. I was told my payments were going to be around $ XXXX at this time. I was told someone would be in touch. I did get a request for paystubs so I did send them and received an email they were received. 
I got another email from one of my student loan servers that an income driven application was received, but no income was received so it was denied. I also found out from the department of education that my loans were already supposed to be consolidated so they could be submitted for the income driven application. 
I have been warned I may have been a victim of a scam that was going on last fall with the PSLF applications. The only resolve that I would like is to have this company to stop all actions on my account and refund my money. I will communicate with the department of education and the loan servicer moving forward about this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: NY
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/XXXX I purchased a flight through XXXX XXXX. I used a XXXX account and the Citizen 's bank Debit card attached to it. The price was XXXX XXXX dollars. 

The amount was quickly withdrawn from my Citizen 's bank checking account. Simultaneously, a hold for an additional XXXX dollars was placed on my account, for a total of XXXX for my purchase for half that amount. 

I have called citizens, paypal, and the airline. Three times each. Each blamed the other in turn. I was told this is normal practice, and the hold will resolve on XXXX. In the meantime, my checking account is missing XXXX dollars that I can not access to pay my bills or make any purchases. 

I find it completely unacceptable that a company can withhold my money for double the amount. None of them can tell me even which is responsible for it. I was told if I dispute the hold I may lose my flights. So I have no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account was compromised on XX/XX/XXXX $ XXXX was taken out from my account I called to file a claim and today I found out my claim was denied because of no information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Genesis Credit management company has contacted me a number of times indicating that they are collecting a debt regarding for a property management company for an apartment I lived in from XXXX of XXXX - XX/XX/XXXX. I initially received a notice indicating that I owe {$830.00} to XXXX XXXX XXXX. Then I was told I owe over {$1000.00} to Genesis Credit Management. I've spoken to them on 2 separate occasions trying to understand why they believe I owed this amount of money and trying to determine a manageable payment plan while still disputing that I owe anything. I asked why the amount owed jumped from {$830.00} to 1060. One representative told me that they could settle for {$840.00} if I paid that day. The 2nd representative I spoke with today told me that the additional fees were interest fees. I advised that it's not customary for a debt collector to charge interest fees. He indicated that it should state that in my lease. I found my lease. I do not see that it mentions any sort of interest payments on a default in payment. When I told him that I felt I was being bullied and that there was no way I could come up with a lump sum payment of $ XXXX dollars, he twisted my words stating that I said I would never pay anything. If you listen to the " recorded line '' that he references, I state several times that I'm willing to pay what is owed. I requested for the 2nd time with the first being a phone call a month or so ago, an itemized list of what damages are being requested. He confirmed my email address, and told me that he would send me that document. I have received nothing. I'll also note that the company that they are alleging to collect the debt on behalf is no longer managing the apartment complex. I've reached out to the current management company, but they have no records of anything prior to their taking over that property. Therefore, there's no way to know if whatever document they supply is valid. I assert that Genesis Credit management is engaging in unethical business practices. They are trying to force me to pay a debt that they can't prove that I owe. They are charging me " interest '' when there is no documentation of them having the right to do so. They are using their ability to produce a derogatory remark on my credit to make me overextend myself financially to pay a debt I likely do not owe nor can they prove that I owe and have the audacity to charge " interest '' on said debt. This can NOT be acceptable. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/22 I received a letter from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX demanding that I pay on debt that is based on fraud. I've requested proof of contract, proof of their books and accounting stating proof of lost, equal consideration, and proof of my financial obligation to pay. neither of which was provided. As of XX/XX/XXXX, more letters are being received as threats to potentially reposes my property. Violation 15 USC 1692 ( D ) It is to my knowledge that 15 USC 6802 I was supposed to be given the right to opt out of my Nonpublic personal information being sold to nonaffiliated third parties which was not done and is a violation of {$1000.00}.

15 USC 1602 ( p ) unauthorized used to which I received NO BENEFIT. and 15 USC 1692 ( G ) as collections are still being reported during disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
Back on XX/XX/2021 i traveled out of the country to assist my mother who contracted XXXX XXXX and died a months later. After I returned to the US i noticed of a late payment fee from Kohls, I immediately paid it off, and then I questioned Kohls stating that it should be a problem with my automatic payment. A representative from Kohls told me that it should be fixed in 30 days. They came back days later to say that they would not reverse the late fee. Weeks later I realized that I did not have autopay set for this account since I did not use the card for several years and I only have it set for all credit cards that I use routinary and on top the purchase was made while I was out of the country between XX/XX/2021 and XX/XX/2021. I called Kohls again and I told them that I did not make that purchase, and I went into the same routing, they promised to investigate and get back to me in 30 days. I got a letter from them stating that the charge was valid, without any kind of proof on how the validated it. I requested a copy of the investigation and I never get one. I started opening disputes with the credit bureau and they had the same outcome, a letter or electronic confirmation without any proof other than a written letter. I asked the credit bureau how I could get a copy of the actual investigation, what are the proof or documents that support that purchase, and they told me that I had the right to request that from Kohls and to have a copy of every document and investigation they made. I been unsuccessful on getting anything from them from them. I did not made that purchase and they are not acting in good faith.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-24
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: Personal information incorrect

Complaint:
There are several names showing up on my credit report that have been reported in error and should not be listed. 

See attached.

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