BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: I.C. System, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please delete this account from my credit report. The account is close and is showing past due. By law no account should ever show any pass due amount because its a violation of consumers privacy rights. This information on my credit report is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. Also the Creditor is not the original creditor and i did not give this company permission any written consent to furnish my information publicly

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 2021-10-23
Company: U.S. BANCORP
State: OH
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID 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 non-monetary relief
Consumer complaint received 2020-06-09
Company: The Bureaus, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX THE XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious THE BUREAUS INC XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Central Portfolio Control Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a text message that I owed a debt to either call. The phone number are going onto the website. I went to the website and I was confused because I was trying to find the original debt to contact them to find out what I even owed money for. I then called the phone number, and the Lady told me out of debt from XX/XX/2015 for {$60.00}. I asked if she could please tell me the providers name address or phone number so I could get in contact with them about the debt. She told me the only thing that she saw on the note was that it was located in XXXXXXXX XXXX. I had explained to her that I had only lived ever in XXXX XXXX XXXX, and I have never visited XXXX. She told me that XXXX was a headquarters office. I asked if she could please provide me with a paper copy of the debt and she told me one was sent back in XXXX. I had informed her that I did not receive anything in XXXX could you please send me a paper copy of my debt. She told me that she could either email it to me or she could send it to me in a text message. I asked her if she could please send me a physical copy to my address since I had not received the one back in XXXX she informed me that it is not their responsibility to keep sending copies out to the homes of people who lost them. I told her that I never originally receive the one from XXXX, that I am working on paying all my debts so I would not have lost it. I asked again for the third time to please have a physical copy sent to my house and she told me thats not gon na happen because their company loses too much money on sending out notices. I asked her if she could please provide any more information and she told me to XXXX it. She told me that she XXXX XXXX XXXX XXXX XXXX and it came right up. I asked her for the phone number that she XXXX and she told me that is my responsibility to look this information up. She gave me my invoice number of XXXX. She said she had my intake form with all my information on it. And to me thats a violation of HIPAA. She was very rude to me and she kept trying to rush me off the phone saying if thats all that I can do for you then thank you and have a nice day. I said I really would like a physical copy of my debt sent to my home, she said she was not going to do that. I told her it was her responsibility to send me one per request or I could report this. She said, who am I gon na report her to and she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have recently reviewed my credit report and I have noticed several late payments on XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1666b -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX XXXX XXXX XXXX pandemic during the covered period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: The CBE Group, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a call from a number identifying themselves as a representative of XXXX XXXX XXXX XXXX asking for my social security number. I was uncomfortable providing my personal information to a number and company I didn't recognize and asked for mail correspondence to confirm their existence. I received that letter on XX/XX/2020 indicating that I had owed XXXX ( account XXXX ) nearly {$150.00} for an unidentified service. I contacted XXXX to understand what the charge was for. I called multiple times and went to two of their local stores, each time being told that I did not have an account with XXXX. I filed a dispute letter with XXXX XXXX sent XX/XX/2020 and received by certified mail on XX/XX/2020 explaining that I had no services through XXXX except for my parents ' phone plan, but that my parents covered that bill and it would not be charged to me. 

I did not receive a response within 30 days nor have I received any response thereafter, and I allowed XXXX XXXX an additional month due to delays that may have occurred during the pandemic before filing a dispute with the 3 credit reporting agencies on XX/XX/2020. I learned following the filing of the dispute letter that this debt collection action was reported to the credit reporting agencies. I am awaiting a response from those credit agencies within the next few weeks. 

However, I received a letter on XX/XX/2020 from a group identifying themselves as CBE Group trying to collect the same debt. I am initially concerned that XXXX XXXX is trying to skirt the protections of the Fair Debt Collection Practices Act by assigning the debt to a new company after receiving my dispute letter, which put XXXX XXXX on notice that it could not make attempts to collect on the debt. I guess I now will have to dispute the debt with CBE, taking additional time and money. 

This complaint was further motivated by a call I just received today ( XX/XX/2020 ) from an individual identifying them self as a representative of CBE from phone number XXXX XXXX. This individual began trying to confirm my identification by listing part of my social security number and address without first confirming my identity. I told him that I was uncomfortable continuing the conversation and that all future communications should be by mail. I am VERY concerned that my personal information is being misused and may easily fall into the hands of others. 

I still have not received any information that I owe XXXX any money, and they have confirmed to me by phone and in person that I do not have an account with them. I have not received any services from XXXX outside of my parents ' phone plan. Now, my personal information is potentially being compromised, and I am dealing with 2 debt collection agencies without having been apprised of the grounds for the debt collection action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
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:
XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-12-22
Company: Experian Information Solutions Inc.
State: DC
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:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.

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 2023-01-04
Company: Experian Information Solutions Inc.
State: AZ
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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file.

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.

A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA, and have done so many times successfully prior to this. 
I demand the accounts in the letters attached to this complaint be deleted immediately, along with all hard inquiries, and adjustments to late payments be made in accordance with the instructions in the letter.

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 2022-05-30
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
DURING THE PANDEMIC I REQUESTED TO A MODIFICATION LOAN AND INSTEAD THE OFFERRED ANOTHER LOAN THAT WOULD INCREASE YER AFTER YEAR. MY LOAN AGREEMENT DID NOT INCLUDED THAT. I FORGOT WHAT LOAN WAS, BUT DID NOT HELP MUCH. THEY CONTINUE INCREASING MY MONTHLY PAY. I HAD ENOUGH. FAY SERVICING IS THE MORTGAGE COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: NY
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 this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C 1681 Section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date. The A accounts listed below are in violation of the law ; 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 2021-06-30
Company: HOPE BANCORP, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last summer I took advantage of an offer from the Bank of Hope to suspend payments for 3 months due to challenges related to COVID. Per the signed agreement with Bank of Hope I did not pay for XXXX, XXXX and XXXX of XXXX. In XXXX, I began to pay double payments. I paid double payments for XXXX, XXXX and XXXX per my agreement with XXXX XXXX to ensure that by the time the XXXX payment was made, the account was current. 

In late XX/XX/XXXX I realised that Bank of Hope thought that I had missed a monthly payment. I began to interact with XXXX XXXX and XXXX XXXX in their loan servicing department. XXXX XXXX commented on the phone that because of the COVID repayments he thought one of my double payments had been misallocated. I have an e-mail from XXXX dated XX/XX/XXXX where she says she opened up a ticket with the research department to have this sorted out. On the phone several times she said that the reversals of my late charges would be made and that the account would be brought up to current. I asked for a print out of how all of my charges to date had been applied to the account which she never sent. 

The next payment coupon and the next after that continued to show that I was a month late on payments. XXXX XXXX also opened up a ticket and I again asked for a print out of how all of my charges to date had been applied and sent e-mails detailing the records of my payments which I made via the Bank of Hope 's online system asking for them to point out where I had missed the payment. I never got a final response from XXXX. 

After several calls and e-mails through XXXX and early XXXX, I connected with XXXX XXXX who was able to show me a spreadsheet of exactly how my payments had been allocated and that he agreed with me that my account was actually current. He said he was in the process of creating the reversals. Unfortunately, Bank of Hope transferred servicing of my loan to XXXX before those reversals could be made and XXXX are now showing that I am one month late on my mortgage payments. I have made repeated calls to XXXX but I am not able to connect them with XXXX XXXX and in spite of promises to " raise a research ticket '' it's been 2 weeks and nothing has happened. 

I spoke today with the XXXX mortgage service team who acknowledged that no ticket has been opened up in spite of my repeated requests to have someone on the XXXX side engage directly with Bank of Hope. The supervisor I spoke with said that their process did not allow for that to happen and that she would raise a ticket with research. I asked why that hadn't happened already and got no definitive response, only apologies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: COMMERCE BANK
State: OK
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:
My brother used my information in XXXX XXXX to purchase a vehicle for himself Im guessing about a year almost 2 years ago. He owes over XXXX dollars and I want it off of my credit and out of my name since its his vehicle. He forged my signature and everything. Not once have I ever purchased a car in XXXX XXXXXXXX or even been in one of their car lots. Im not sure what company he purchased the car in my name but its in XXXX somewhere. I guess hes also about 3-4 months behind on his payments and when the bank that has a lean on that car called me, I told them that was not my car and gave them his phone number. I dont have his address or anything but need help asap!

Company response to consumer: Closed with explanation