BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
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: Account status incorrect

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

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.

I 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 below.

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 listed below.

I demand that the following account be verified or removed immediateLY

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 2023-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Bank of America XXXX  months ago. I deposited my check bc they told me that XXXX  days prior to me coming in they changed their rules not to mention I called before hand and they told me it was okay. Hmmmm now is this bc Im women once I came in???? Not sure! I then spoke either XXXX XXXX the market manager he assured me theres no issues my funds will be available tomorrow I said okay I trusted him seemingly that he was a market manager for this branch I then logged into n XXXX  account no funds their holding it for XXXX  days this makes no sense Im a single mom I work hard for my money XXXX  mortgage is due theres no way I should have been treated or mislead this way Im in a tight spot I need XXXX  money I will be closing my account I will also be filing a complaint with someone higher up were not in times to be takjj in h advantage if n Ive had enough!

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 2023-05-26
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian makes it difficult to place a credit freeze on personal accounts. On their website they try to upsell their paid products. When trying to place a standard freeze ( in my case due to identity theft and fraudulent NYS unemployment and use of my SS # and name ), one is directed to an external page, where after attempting to enter my ID details, an error occurs and I am directed to send a certified letter with a number of copies of documents. This was not the case with XXXX I suggest you investigate Experian, and hopefully others won't be pushed to upgrade to their paid products.

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 2021-05-11
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Navy Federal is stopping me from access to my account due to and identity issue of me using a ein and not a social security number. 

I have been stop from doing the works of my Heavenly Father. 

Privacy Act of 1974 552a note ( Disclosure of Social Security Number ) ) provides that : It shall be unlawful for any Federal, State or local government agency to deny to any individual any right, benefit, or privilege provided by law because of such individual 's refusal to disclose his social security account number. Sec. 7 ( a ) ( 1 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, 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:
I've filed XXXX disputes with Equifax. An account from XXXX XXXX is too old to be on my account. The date of my last delinquency has been over XXXX years and they are still reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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'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 and I am filing this complaint about 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 2023-10-31
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 do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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 2022-10-17
Company: Experian Information Solutions Inc.
State: WA
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 from erroneous reporting in my file are listed on my credit report : XXXX  Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX Account Number : 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 2023-06-27
Company: Experian Information Solutions Inc.
State: AL
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:
This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2023-02-11
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:
In accordance with the Fair Credit Reporting act XXXX Account # ending 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

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 2020-12-23
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX PHH/OCWEN XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Washington, DC XXXX To Whom It May Concern, I would like for this letter and documentation to go on record. On XX/XX/XXXX XXXX EST I spoke to a representative of PHH/OCWEN by the name of XXXX and he instructed to submit a letter stating my only source of employment is with XXXX  and no other entities, which I have attached. 

As my conversation continued with XXXX, he stated to me he was instructed along with his other colleagues to cease and decease contacting me requesting documents for my modification application. XXXX, stated to me I have to contact PHH/OCWEN and inquire what documents are needed in order to move forward with my modification request. This does not make sense to me since I am the consumer and they are the processors. How would I know what documents are needed if they dont initiate the request? 

I have attached a letter of explanation stating I am only employed by the XXXX  XXXX  XXXX  as a XXXX XXXX. On XX/XX/XXXX I emailed my XXXX Income Tax document along with my last two pay stubs from XXXX  and the application for Mortgage Assistance for re-modification. 

On XX/XX/XXXX, I applied for a refinance loan instead of a modification. I paid for an appraisal, submitted several documents to the refinance department under XXXX XXXX, three months went by and no one told me that my forbearance had to be brought current before I can apply for refinance. I submitted several emails to XXXX XXXX, wrote several complaints to CFBP, and Federal Trade Commission to get someones attention. After several complaints from me I received a response from XXXX XXXX, Manager of the Refinance Underwriting Department who explained to me she would have to close my refinance application file because my forbearance was not brought current. For the past 14 years I had my loan with OCWEN/PHH mortgage and it has been nothing but chaos and unethical practices with their unreasonable timelines and threats of foreclosure. 

I have forward a copy of this letter to the listed below. This is not first encounter with OCWEN/PHH Mortgage as the company continues to undermine their customers During the forbearance process OCWEN/PHH repeatedly request the same documents, therefore dragging out the process until stated deadlines have passed and disqualifies me for possible mortgage assistance. 

XXXX XXXX XXXX Cc Department of Housing Fair Act US Department of Housing and Urban Development District of Office of Attorney General XXXX XXXX Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have have contacted this company by certified mail to request the verification of the negative items they are reporting. In pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I have requested " ALL '' of the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor.

The original application for this account with my signature.

A copy of the agreement authorizing your company to collected on their behalf of the original creditor.

FULL detailed accounting history on the account and the calculations on how they reached the amount owe.

Provide verification on any judgments connected to this account.

Provide your license to collect in my state and your registered agent name with their address.

Please show proof that the Statue of Limitations has not expired in my state for this account.

Provide the date of the last payment on this account. 

They are listing the items in question to credit bureaus from : XXXX. XXXX Bank XXXX. XXXX Bank XXXX. XXXX XXXX This company has " FAILED '' to provide me with " ALL '' of the items requested above. They have also repeatedly harassed me by phone, mail, and have had individuals show up at my home in attempt to serve me with a lawsuit.

I have never gone into a signed agreement or contract with this company and do not owe them for any debt.

I am in complete distress due to them violating my right to privacy, and reporting the companies listed in this complaint without my written permission, written consent, or written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with written permission, written consent or written instructions to report these items on my credit report. They are breaking the laws set in place by the Fair Credit Reporting Act.

They have broken the following Fair Credit Reporting Act laws : 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 Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. I am requesting that they discontinue reporting and remove all negative information that they have reported to the credit bureaus in regard to the companies listed in this complaint, and for any other companies that they might have associated with my name. 

Best, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I submitted a credit card application with Chase on XX/XX/2021. After a few days I called to follow up on the status, and they said they needed documents from me, drivers license, business license, EIN etc. Chase provided a link and uploaded all the documents that were requested. I followed up again, and a customer rep said they need proof of address. I recently moved and my drivers license shows my previous address. I provided a utility bill from the beginning and the customer service rep confirmed they had received it. But he said they still need other information at the time another link was sent to me requesting a copy of my drivers license. I was confused and sent it again. I called again to follow and another customer service rep at the time said my application had been denied because my drivers license wasnt valid. She was rude and not helping. I had to question her further to get to the bottom of the issue that it was the address on my license doesnt match my current address. I told her there were other ways to verify my address, she said I could fax or go to a chase branch and they could fax my utility bill. I went into a branch and they faxed my electricity bill. I called back and they said they had received and there wasnt anything else needed from me. Then, I got a letter saying that the document I provided ( my electricity bill ) did not provide the information they need it ( proof of address ). Even though a utility bill is aceptable proof of address per their email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$720.00} XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2023-01-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
They keep trying to report this debt to my credit bureaus. This apparently was a credit card that someone opened in my name. This company needs to verify and validate this debt. I tried resolving this with them but they do not respond back. I would like to see the paperwork showing the purchase of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I keep getting denied credit cards due to unable to verify identity adverse action and would like any hindrances to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was charged fees by Wells Fargo unknowingly and the original charges werent even authorized by me as I had made several complaints to them about. Wells Fargo moves very slow when it comes to helping customers with issues and actually resolving the issue. Im always on hold for hours. They take long and on top of that most that Ive spoken with get an attitude or barely let me speak. I want to switch to a different bank very badly but EVERYTIME I open my account something is negative because of THEIR fees!

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 2021-05-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I have an account which I previously disputed and I got no response on the issue it is marked not paid and or charged off which is not true see letter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief