BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: SC
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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX and Experian are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The XXXX XXXX Rights and Privacy Act ( XXXX ) is a federal law enacted in 1974 that protects the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post-secondary school. XXXX XXXX XXXX ( b ). XXXX not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am exercising my right of opting out of your reporting services.

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 2023-06-20
Company: CITIBANK, N.A.
State: NV
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:
XXXX XXXX Citi Both companies agreed to remove off of credit and it remains.

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 2020-06-02
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( XXXX plus ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) The date of last activity on this account was on XX/XX/XXXX. It would be impossible to be late on an account where no payments have been made since XXXX. Also, there is a new reporting date of XX/XX/XXXX. It is a violation of the Fair Credit Reporting Act to re-age an account and change the account number to report as current. The FCRA is mandated to report accurate account information on a credit report. This false reporting of a chargeoff account with lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
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:
See all letters 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
Consumer complaint received 2023-05-02
Company: Source Receivables Management LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Source Receivables Management has violated my rights multiple times. They have been harrassing me through phone, email, and, mail. I did not give them permission to contact me nor given them my current mailing address. They have violated my consumer rights under code 1006.6.in which states, ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. I hace not given them any permission to contact me via phone, email, or mail. I am disputing as well because I had no previous knowledge that I can dispute any derogatory marks placed against me by the original creditor or the collections agency. I seen them placed on my credit report and I disputed the discrepancies on my own. In turn, I am asking for a full copy of charges and account statement summary from original creditor or documentations that show my signature and information that willassist to the ownership of this account. In which, I do not have any knowledge of having an account with XXXX. I want Source Receivables Management to be fined for the harrassment and violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Delete hard inquiries, XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-12-04
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased a new build home and my mortgage was sold to PHH Mortgage ( XXXX XXXX  ),  which is the current company I am working with. Well the property taxes were updated and I followed protocol and sent them the update tax amount and they did not update on their end. Well now there is an outstanding balance and property tax is supposed to be built into the mortgage payments. I started this process on XX/XX/XXXX with no response, then again on XX/XX/XXXX which PHH told me it was resolved, it wasn't. I followed up again on XX/XX/XXXX and still nothing. On XX/XX/XXXX, finally after 4 hours of holding I got a hold of the escalations department, XXXX to be specific and explained my frustration and he told me they would handle it and call me once settled, which here I am on XX/XX/XXXX and no response from them at all. XXXX from their escalations department tried to tell me that is was paid, but was not able to provide a receipt showing that it was done. I have tried reaching out via email and phone today and just been placed on hold each time for a new department to help me. I have also contacted XXXX County to see if the mortgage company had reached out yet and they had no record of anyone calling to resolve the past due amount. Come XX/XX/XXXX we will owe double on our property taxes and still no resolution in sight. At this point I don't know what else to do or how to get a hold of the company to get this resolved. This is such a simple inquiry and no one is able to help me just take notes of my issue and tell me that they will call me or let me know when it's complete and then I never hear back. The level of professionalism and customer service at this company does not exist at all. No one knows where to direct you and no one knows how to follow up or follow through with issues. If this causes bankruptcy or a lean to put on the house I will take legal action and sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: NC
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 is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
After having been approved for XXXX Capital One master cards, which I did not accept, this company is now having a tantrum & permanently denying any future credit applications by stating a perpetual recently processed application, which violates the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: PNC Bank N.A.
State: VA
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:
XXXX issued my refund for hardware on XX/XX/XXXX. I reached out to PNC Bank to try to confirm the money was received or the transaction was declined. After being transferred a few times I spoke to a bank representative that confirmed the transaction was declined but couldnt provide anything further. It is now XX/XX/XXXX and XXXX refuses to reissue the funds. I called PNC bank and they said they refused the funds and sent them back. However, PNC refuses to gove me any proof of the transaction even though I have a ARN number provided by XXXX. XXXX refuses to do anything without proof because they said the money was not returned. 

Now Im stuck fighting between two billion dollar companies for what is to them a measly {$130.00}. I need proof the funds were returned back to XXXX. Seems like a simple request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: G&P Enterprises, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I fell behind in my Home Owner Association Fees due to XXXX XXXX XXXX due to XXXX deaths in my family earlier this year and loss of employment. 

Despite my best efforts I remain XXXX so I did not pay amounts in arrears. I tried to make payment arrangements but was sent to collections with Allied Trustee Services. XXXX had locked me out of the payment portal so I could not make timely monthly payments to them. 

I was sent a certified letter informing of the debt XX/XX/2023. I called the agency upon receipt of the letter and I made a verbal agreement with a representative named " XXXX / XXXX '' to pay the arrears. I informed that I would begin working XX/XX/2023 and that I was paid once per month. Since the amount owing was high I agreed to make XXXX payments to pay the total amounts owing. I sent the first check in the amount of {$850.00} on XX/XX/2023. I sent a second check representing the balance due - and XXXX months of back HOA fees for XXXX, XXXX and XX/XX/2023 since I was locked out of XXXX XXXX 's payment portal and could not submit payment - I paid it with the arrears amounts and penalties to Allied Trustee Services on behalf of XXXX XXXX. 

Despite the representative that I was corresponding with ( XXXX / XXXX 's ) verbal assurance that no legal action would be taken without informing me first, and without permitting me to submit both agreed to payments the company filed a lien on my property the same day that I made the final payment in full. This was contrary to the agreement that had been made verbally with the representative and caused me a shock when I received the certified letter today, XX/XX/2023 notifying me of same. 

The company cashed my check knowing that they were simultaneously filing a lien on my real property despite my paying their fees and all HOA arrears in full. 

In fact, the fees that Allied Trustee Services has used as the basis of its XXXX are fees that they created by filing the lien and assessing late fees which should not have been brought for XXXX / XXXX. 

I demand that the lien be removed, that the debt be acknowledged as settled and no additional fees be assessed. Plus, they absorb the costs of the additional fees they created in filing the lien. Additionally, my XXXX payment will soon be late because I am still locked out of the payment portal. This is unfair business practices at its best and a breach of the verbal agreement that I made with their company. I kept my side of the deal but they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 XXXX and I am filing this complaint for 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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and # 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 non-monetary relief
Consumer complaint received 2023-01-17
Company: BARCLAYS BANK DELAWARE
State: MS
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 major fraud started on my account. My information was compromised and a fraudster added bank accounts to my account, made fraudulent payments, spent the money at XXXX stores and returned the large payments. They spent over my credit limit. My total balance was {$6100.00} before the fraud messed up my account. I received a letter in XXXX from XXXX saying they removed the fraud and I would not be responsible. However, my current total says {$9200.00} and is still showing the fraudulent payments and interest from fraud. My minimums went up and I still do not have the original balance plus my continued payments showing. I was also promised a new card was coming multiple times, monthly during the last 9 months. I have continuously called, emailed XXXX XXXX and presidents office. I have not received a call back from the presidents office for help. I received a letter that said there was nothing to change. Which is incorrect. I should not be punished for fraudulent activity, a closed account without my knowledge, no working card for 9 months, and have to track them down for help continuously. This needs to be fixed as soon as possible. This is ruining my credit score and i should not be punished for fraud or a companys mistake closing my account without my consent. I want a new card as promised, the fraud removed from my old account, and credit for my continued payments of {$810.00}. It should not take 9 months to fix a fraud problem and get contacted back with help. I have been a loyal customer for years and this treatment has really left a bad taste in my mouth. The fraudulent payment activity is as follows : XX/XX/XXXX {$3300.00}, XX/XX/XXXX {$5800.00}, XX/XX/XXXX {$9300.00}, XX/XX/XXXX {$8900.00}, XX/XX/XXXX {$9800.00}, and XX/XX/XXXX {$9300.00}. These were made with fraudulent bank accounts that were made, spent, and returned without my knowledge or consent. As soon as I realized what was happening I called XXXX XXXX and they told me they removed these bank accounts from my account and flagged them for fraud. I had also saved up over XXXX airplane miles on my account, which is why I chose XXXX and lost all of them because I was just told I needed to redeem them within 30 days of a closed account I didnt know about or agree too. Nor could I redeem them because my account was closed

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 2023-06-19
Company: CBC Companies, 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:
someone used my personal information  to open  several fraudulent accounts in my name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company has the wrong date of birth reporting fin my file Ive tried calling them to have them change it they refuse Ive sent them my drivers license and even still they have refused to change it they have someone elses Information reporting on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: PENTAGON FEDERAL CREDIT UNION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have made numerous complaints about PenFed Bank about an unauthorized inquiry on my report from XX/XX/2018. Each time they claimed different bs. Finally they made a comment in which i have the letter stating they will remove the inquiry from my credit report which they just said that to please the CFPBlile they were really concerned about doing what they said they were going to do. I have attacthed a screenshot showing that they have failed to remove it from my credit report and that it was recently updated with XXXX  this month. I'm only writing just to let CFPB this company lied about what they said they were going to do. As of Monday XX/XX/2018 i will take the letter that they stated they were removing it from my credit report to a lawyer and take this matter to court. If they deleted like they said they were going to do they wouldn't have updated the credit bureau as of this month. They would have updated it as deleted but they chose not too so i have no other choice now on this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage account was paid in full with Mr. Cooper in XX/XX/XXXX. I never received a paid in full letter or a copy of the Satisfaction of Mortgage. I requested this information from them in XX/XX/XXXX and it was never provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 XXXX XXXX and I am filing this complaint for 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