BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

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 2018-08-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2018 I called Experian and spoke with XXXX and noticed they added somebody else 's address on my credit report today, I do not live in that state and was told it would take 30 days to remove. 

I was told by XXXX that this address was added yesterday and i should have received an alert. I did not receive an alert ... .This address did not appear yesterday only today. If i'm in North Carolina how could i be in Florida at the same time? 

XXXX would not provide me any information about that address, so i am left in the dark.

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 2021-07-03
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They ran my credit without my Consent on XXXX and opened an fraudulent account and have been reporting it late ever since damaging my credit.. I contacting them with a pay to delete letter on XXXX and by them cashing my check the agreed to delete the account the never removed and are still reporting it late

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 monetary relief
Consumer complaint received 2022-03-25
Company: EQUIFAX, 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:
I have lived in XXXX al of my life and i have never filed bankruptcy. I believe someone else has been using my information. I have used my credit before but no one ever told me i had a bankruptcy until recently. i have included the accounts in this complaint i also will list the fraudulent addresses that are listed on my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EVERBANK, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan that TIAAXXXX XXXX was servicing and was sold to XXXX. 
Loan # XXXX I made payments to TIAA for XXXX, XXXX and XXXX of {$780.00} for which they did not forward all of them to XXXX. I have tried numerous times to resolve this with TIAA who says that they did not receive the payments and referred me to their " Payment Research '' department who has not been helpful and not provided me a direct dial number to resolve this situation, even after directly asking them. I have spoken with TIAA customer service about the issue and they have made notes on the account, but still no resolution. 
I have sent them documentation from my online bank portal and my bank has faxed them supporting documentation regarding my claim, but they will not provide me timely insight on the process or status updates. 
I am within 7 days of my grace period and this needs resolved ASAP. 

My bank has faxed other documentation directly to XXXX XXXX regarding this matter that I was not copied on so I am attaching the files that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: FL
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 am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX  XXXX Balance Owed : {$580.00} ; XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX Balance Owed : {$530.00} ; XXXX  XXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$310.00} ; XXXX  XXXX Balance Owed : {$380.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: Atlas Credit Company, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Several threatening messages have been left. The messages contain personally identifying information that should not be released during the course of the voicemail. There were written notifications left on my door that were not enclosed within an Envelope. After XXXX was performed my XXXX  has been called as well as other family members and the nature of the debt has been disclosed to them. The calls are abusive and harassing and I do not feel comfortable working with the company. Any disclosures that I have received do not contain proper disclosures as far as bankruptcy is concern. It also did not have a truth in lending with the initial notification.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I applied to XXXX  XXXX XXXX and was told there would be a {XXXX} deposit and {XXXX} application fee, I was told if I was denied, I would receive {XXXX} back and they would keep the {XXXX} application fee. I was denied that same day and told to wait a month for my {XXXX} deposit to be placed in my account. I waited a month and contacted the office, they kept giving me the runaround. Saying it would be mailed to my address. 2 months later I contacted my bank to file a claim for my {XXXX} deposit. On XX/XX/2021 I filed a claim for {XXXX} claim # XXXX. The bank put the original charge of {$XXXX} into my account. I advised them I only wanted my {XXXX} deposit back. They can not do partial payments for claims, so on XX/XX/2021 the bank reversed my claim and returned {XXXX} back to XXXX XXXX XXXX. This company actually owes me my {XXXX} deposit back. My bank has confirmed that this company has my {XXXX} and owe me my {XXXX deposit back and now they have sent me to collections trying to get another {XXXX} from me. They are also claiming I owe {XXXX} in move out fees. I never moved in. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I received a letter from Citi bank stating that the Wire Transfer that happened on XX/XX/XXXX wasn't Fraud. 

It was fraud and I'm requesting proof that it wasn't fraud my son lost his wallet that had his ID, check stub, and debit card in there. This must be an internal issue as we're not giving proof of anything. 

Please provide explanation as why it's not fraud when I'm claiming it is. Please clear this balance up as this wire wasn't done by me or my son.

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 2020-03-17
Company: Experian Information Solutions Inc.
State: MS
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 requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, Ive tried to dispute this negative impact on my report from the lending club. Ive stated serval times that they did not notify me in regards to a charge off on my account. I spoke to representatives they didn't tell me my account is past due these days in delinquent status. I scheduled a XXXX payment on the account. That was it. I didn't receive an email, a letter by mail, or a call regarding this account status being close to a Charge off. I spoke to someone regarding this matter they said it reached its maturity date. So went on and charged off my account. Its hurting my credit report poorly. I settled the debt of the XXXX. All Im asking that this negative reporting be removed off my credit report. Thank you!

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 2020-03-17
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my house in XXXX of 2019. I signed the contract with agreement to the established predetermined payment. I recently received my mortgage payment and discovered it had increased by {$400.00} p/mo. No explanation, or previous notification was provided. After making numerous calls to the lender, as well as the tax collector 's office, I finally discovered that the lender made an error at the time of the sell by underestimating the annual property tax. 
The lender is now charging me an additional {$200.00} p/mo. for the corrected property tax amount. This I understand. The part I am not in agreement with is the additional {$200.00} p/mo. that they are now charging me to compensate for the loss they incurred this past year as a result of their error. 
Thank you in advance for your time and consideration with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: EQUIFAX, 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:
There is an aged XXXX  account listed that should be removed, due to the statue of limitation. I am asking that it be removed due to it being 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I received a text stating there were transactions made with my account, I text back stating it was not I. I began receiving email notifications that there were an added payee and three wire transfers going out out my account. In the many years I have been a client I have never had a payee or set up wire transfers. Someone hacked into my account. I immediately find a cab to the nearest bank to block any transactions. The following day they transfers were allowed out of my account to a fraudulent account to a XXXX XXXX in XXXX XXXX XXXX. I am from XXXX XXXX, I stopped by the to make a police report, FBI report online and call Citi Bank to address the issue for two months now. Citi Bank is refusing to return my funds, blaming XXXX XXXX. I am a single mother who's lost her job during the pandemic, my family XXXX not have a home due to rent not being paid. The amounts were of XXXX, XXXX and another XXXX. None of which has been returned to my account. I need help. Citi Bank has done nothing to help. I have never given authorization for any of my money to be released, no one has ever called me from City Bank to ask for any verification to release my funds, again, I closed my account on XX/XX/XXXX, my funds were released on XX/XX/XXXX to XXXX XXXX via wire transfer without my permission. They mentioned that I " neglected '' my account by providing a code to a person over the phone ( the person who was ALREADY set up all transactions made and hacked into my account ) Yes when they called I believed it was a representative from Citi Bank. However, I not provide any personal information what's so ever, the person actually asked me to hold on until they " transfer '' me to " someone else '' as I explain to them that I was heading to my bank. I have the text until this very day, I closed my account as soon I could reach the bank in time. However, after blocking my account Citi Bank transferred my funds on XX/XX/XXXX, without reaching out to me, even when noticing suspicious activity, unfamiliar devices that were used while making these wires. This information was provided by XXXX from the wire department who pulled up this information on file.

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 monetary relief
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THE COMPANY IS IN VIOLATION OF 15 U.S CODE 1681E ( B ) BY CONTINUOUSLY REPORT INACCURATE INFORMATION ON AN ACCOUNT FURNISHED ON MY CREDIT REPORT. THE ACCOUNT NUMBER IS INCOMPLETE HOWEVER THE ACCOUNT IS XXXX  XXXX XXXX. I'VE SUBMITTED MULTIPLE DISPUTES AND SOMEHOW THIS INFORMATION REMAINS UNCHANGED. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED. 

IN PURSUANT TO 15 U.S.C 1681S-2 ( A ) ( 1 ) ( A ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER OR ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE ANY INFORMATION TO BE INCORRECT. 

ACCORDING TO THE IRS, A CHARGE OFFIS CONSIDER AS '' ORDINARY INCOME '' OR CANCELLED DEBT. INCOME SHALL NOT AND CAN NOT BE REPORTED TO A CONSUMER REPORT. THE COMPANY HAS FILED THIS INFORMATION ON THEIR TAXES THEREFORE IT IS NO LONGER DEBT. 
THIS INFORMATION REPORTED IS INCORRECT, INACCURATE, INCOMPLETE AND MISLEADING.

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 2023-06-30
Company: Experian Information Solutions Inc.
State: KY
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2020-12-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
This account has been previously disputed for " Fraud '' in XXXX XXXX and was REMOVED after providing : FTC Report, Notarized Letter from me and Police Report by XXXX and the other bureau 's because it was a " Fraudulent Account '' open in my name. 

This account has since been sold by " XXXX XXXX 's '' to " Portfolio Recovery, LLC '' after it was closed due to being opened fraudulently. On, XXXX XXXX, XXXX this account has been re-reported by " XXXX '' and " Portfolio Recovery '' on my credit reports. 

_____________________________________________________________________ ACCOUNT RESULTS ON XXXX _____________________________________________________________________ XXXX Results for Fraud Dispute : Deleted Date Generated : XX/XX/XXXX Report Number : XXXX Account Number W/ " PORTFOLIO RECOVERY '' : XXXX XXXX ACCOUNT # LISTED ON XXXX : XXXX _____________________________________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: ALLY FINANCIAL INC.
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Ally Investments put a 60 day hold on my money, they will not issue me a check or transfer my money into my checking or money market acct. 
I have been trying to talk to someone via phone for the last 5 business days but I am on hold for more than 2hrs without being connected to a human. 

The number I have to call is XXXX. 

This is preventing me from buying food and paying bills for my family. 

Help

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 2022-03-25
Company: Experian Information Solutions Inc.
State: OK
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 have called over and over and have submitted the dispute online over and over and they are not fixing the error. The below hard inquires are fraudulent and need removed ASAP! 

XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 THESE 3 ARE FRAUD A NEED REMOVED ASAP FROM MY XXXX REPORT XXXX XXXX XXXX XXXX NEEDS REMOVED FROM EXPERIAN CREDIT REPORT ATTACHED FTC REPORT

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