BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-31
Company: Self Financial 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:
On XX/XX/2021 I sent a validation letter to XXXX, XXXX, and XXXX regarding some inaccuracies that are reporting in my credit report ( attached below ). I exercise my right to request all three bureaus to provide me with verifiable proof that the negative items reporting on the accounts listed below belong to me or they have to remove those immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of the alleged original signed consumer contract to prove those accounts belong to me and that whatever they report on my credit report has to be 100 % accurate. On XX/XX/XXXX, I received a letter back from XXXX stated that they verified those accounts as accurate which is false and misleading which is a violation of my consumer rights. How can they verify it to be accurate if you can see the invalid inconsistencies in plain site ( shown below ) As for XXXX and XXXX it's been well over 30 days and I never received any investigation results In regards to the late payments that were reported, that is 100 % false because I paid those accounts on time, but to my understanding late payments shouldn't even be reported due to the COVID Forbearance Act. Not to mention I also have hard inquiries reporting on my account that don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I've contacted XXXXXXXX XXXX XXXX  & they told me I've never missed a payment, Transunion refuses to update me from being listed as XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do TransUnion job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2006 Balance {$470000.00}

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 2022-01-31
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2023-12-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
Subject : Urgent Request for Resolution of Credit Reporting Inaccuracy Dear Wells Fargo Customer Service, I am writing to bring to your attention a critical issue concerning the reporting of my Wells Fargo account information to XXXX, one of the major credit bureaus. Recently, I discovered a significant and unjustified drop of 13 points in my credit score, attributed to information provided by XXXX about my Wells Fargo account. 

Upon reviewing my credit report, I observed that XXXX is reporting a balance of {$520.00} on my Wells Fargo account, which is inaccurately affecting my credit score. It is crucial to note that this reported information is not reflective of the actual status of my Wells Fargo account. The account is in good standing, with no outstanding balance. 

I have made attempts to resolve this matter directly with XXXX, but the response and assistance provided have been unsatisfactory. Therefore, I am reaching out to Wells Fargo with the hope that you can help rectify this reporting inaccuracy and collaborate with XXXX to update my credit information accurately. 

I kindly request the following actions : A thorough review of the information reported by Wells Fargo to XXXX regarding my account. 
Correction of any inaccuracies in the reported account balance and status. 
Timely communication and coordination with XXXX to ensure the updated and accurate information is reflected in my credit report. 
I believe that your prompt attention to this matter will not only rectify the credit reporting discrepancy but also contribute to maintaining the integrity of my credit history. 

Thank you for your assistance, and I look forward to a swift resolution.

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 2023-01-28
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1000.00} XXXX XXXX  XXXX A XXXX Balance : {$2700.00} XXXX XXXX Balance : {$890.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8500.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This DSNB MACYS XXXX account is reporting derogatory information as reported in my Credit Bureaus. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

DSNB MACYS 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 2023-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX identity theft data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies have 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 2021-09-20
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXXXXXX XXXX intuition in XXXX XXXX flordia approved a loan application with me as a primary student. I have not attend this school. I have contacted the school along with navient. I have produced documentary to show this error however I cant get this resolved. I need to be removed from the student loan obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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:
A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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 2022-01-31
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
AMEX is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( AMEX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: CITIBANK, N.A.
State: TN
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 dispute this amount with XXXX XXXX. I dont know what that is They called me and threaten me. And hung up on me

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 2023-01-31
Company: CITIBANK, N.A.
State: FL
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:
I would like to explain the problem in the simplest way possible. I bought several 12-hour packages on XXXX XXXX  is an online tutoring website. They made an automatic charge for 12 hours that I did not authorize. As soon as I complained to XXXX about this unauthorized charge, they issued me a refund. They charge a small fee per transaction, in this case, XXXX, which they charged to the card in order to give me a refund. They authorized the refund for XXXX but for some reason the bank did not apply it to my account. 
Please, you will be able to find attached to this document the XXXX refund receipt which by itself should clarify any doubt, and you will also be able to find the chats with customer service about the refund. 
As you can clearly see the problem is not with XXXX They agree with me that the charge of XXXX was unauthorized and approved my refund. the problem is with CITI BANK which refuses to give me my money back. 


citibank Case ID 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 2023-12-06
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/, due to being ignorant of the law, I signed the Contract where I, XXXX : XXXX, financed a vehicle for personal, family, and household purposesunbeknownst to the deceitful practices occurring that I was getting myself into. 

I have been made aware of the laws described herein my complaint and notice of rescission attached, bringing attention to the violations committed by XXXX XXXX XXXX, XXXX ( XXXX ) and BRIDGECREST ACCEPTANCE CORPORATION ( BRIDGECREST ) to rescind only the illegal parts of this contract.

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 2022-12-29
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've contacted XXXX  XXXX  XXXX & they told me I've never missed a payment, yet XXXX and XXXX refuses to update me from being listed as XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX and XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
XXXX XXXX XXX Date Opened XXXX XXXX, XXXX Balance : {$280000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My home mortgage loan was with XXXX XXXX -- a terrible company. They sold it off to an even worse company called Mr. Cooper. The transition did not go smoothly and despite my due diligence and responsiveness, I was receiving numerous alerts from Mr. Cooper. When I tried to contact them, it's impossible by phone or email. At any rate, my complaint is that they inundate me with what I feel are predatory lending emails : Daily, they tell me to take out loans against my equity... I worry that they are preying on people who need money and will respond to their non-stop marketing campaigns. I have asked numerous times to be taken off their marketing email list to no avail. I hit " UNSUBSCRIBE '' over and over again and yet these marketing emails telling me I can get loans against the equity in my home persist. I am reporting this company. I do not like or trust them. I do not want my mortgage with them. Taxpayers in the U.S. should be able to move their loans. It's despicable that XXXX XXXX ( who I didn't originate my loan with ) sold it off to Mr. Cooper. I had no choice and I am now stuck with this horrific, predatory company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : {$700.00} ; XXXX  XXXX Balance : {$1400.00}

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 2019-11-24
Company: Capital Markets Cooporative, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX acquired my loan in XXXX and in XXXX I was notified on XXXX XXXX of a new servicing agent, CMC Funding/XXXX XXXX XXXX. Additional letters from CMS/XXXX showed inaccurate accounting information showing that I owe for XXXX and XX/XX/2019. I called CMC/XXXX on XX/XX/XXXX and informed them that I previously made payment to the previous servicer, XXXX. Since XX/XX/XXXX, I have called every week and mailed on XX/XX/XXXX and XXXX CMC/XXXX a certified letter which they received on XX/XX/XXXX and XX/XX/XXXX. I also emailed them proof of payment from a statement downloaded from my previous servicer, XXXX. I was recently mailed a letter of intent to foreclose and continue getting calls from CMC to collect payment. This is very frustrating since I have always made my payment on time including a XXXX payment which I made to CMC/XXXX and they have withdrawn from my account on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: SYNCHRONY FINANCIAL
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX services is attempting to collect an unverified invalid debt that has been disputed and never validated. They have done a inquired check of my credit report with out my permission and without written communication and a opt out in writing.

debt is alleged until proven 15 USC 1691.

Fraud Alert. This account does not belong to you.

No written permission has been giving by the consumer to any debt collector or credit reporting agency or any person or any company to report anything on a credit report using me private information. 15 USC 1681 a,2, 15 USC 1681 a, 4, 15 USC 6802 No opt out letter or written communication has ever been received by the consumer from any consumer reporting agency or any debt collector who has placed fraudulent information on my consumer credit report.

Provide me with a certified copy of the investigative consumer report with full disclosure that has been completed to validate and verify the information that has been reported. 
Provide me with certified copy of the written permission that you have from me to report anything.

Provide me with all of the written communication with me with my opportunity to opt out.

Provide me with the bona fide evidence that i am all four of the entities on the report.

Provide me with bona fide evidence that you have abided by the law.

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 2022-06-16
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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