BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am one of the consumers that have been affected by XXXX reporting payments in correctly.I have reported this to all credit Bureaus and have all credit bureaus have ignored and not even attempted to fix the inaccurate reporting. XXXX is reporting late payments inaccurately on my credit reports from XX/XX/2022 and XX/XX/2022. According to the FRCA i am entitled to a accurate credit report and the credit bureaus must correct all inaccuracies. I have attached my credit report showing the 60 and 90 day late payment with out reporting 30 days late. 

XXXX Account # 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 2023-10-18
Company: WESTSTAR MORTGAGE CORPORATION
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
We have been approved for a loan modification program through WestStar Mortgage. Our first trial payment is due on XX/XX/XXXX. 
We certified priority mailed a bank certified check to complete the payment on XX/XX/XXXX. However, it is still pending delivery. We are communicating with the post office on locating the check. How we, due to this unexpected delay, we have contacted WestStar through both email and phone and have not received a response on what we should do or if there is another way to make our trial payment. 
We have been reaching to West Star since Friday XX/XX/XXXX. We reached out again, Monday XX/XX/XXXX, and called and left messages several times on XX/XX/XXXX with no response from West Star.

We can resolve this through receiving an answer from WestStar on how we can electronically or over the phone complete our payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Resurgent Capital Services L.P.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear LVNV FUNDING/Resurgent Capital services ; XXXX XXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to get the mortgage company to end my enrollment in their bimonthly auto pay program wherein they charge me an additional XXXX XXXXXXXX. I've submitted XXXX written requests and received a generic reply that they will get back with me in XXXX to XXXX business days but the request never goes any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
We were Profiled, Discrimated Against, Mistreated, and Declared Guilty of Fraud without any evidence and told to leave. Unbelievable! 

We were depositing a cashiers check from the sale of a house. Truist bank declared it fraud without doing due diligence. 

Truist declared us fraud without any evidence! The XXXX XXXX cashiers check was good and the funds are still waiting! They charged us a {$96.00} overdraft fee for an account that has never been overdrawn! They have not helped at all at resolving this situation. They just told me I was not welcome at Truist any longer and closed my account. 


Please refer to attachment...

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 2019-06-13
Company: CITIBANK, N.A.
State: NJ
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:
CitiMortgage has reported & verified with XXXX XXXX that a mortgage account that went into foreclosure and should have been removed from my credit report XX/XX/XXXX due to age was brought current during a few months at the end of XX/XX/XXXX & beginning of XX/XX/XXXX when it was not. Court papers Citi Mortgage filed for the foreclosure on XX/XX/XXXX accurately reflect that the account was in default and never brought current. This account has been disputed numerous times with XXXX XXXX, most recently in XX/XX/XXXX, copies of the court papers CitiMortgage filed were included in the dispute but CitiMortgage keeps verifying incorrect information. The date of last payment is correctly shown as XX/XX/XXXX and no payments were ever made after that date. Citi Mortgage reports the account as " OK '' from XX/XX/XXXX thru XX/XX/XXXX and as of XX/XX/XXXX shows 120 days late. Their own reporting is a contradiction showing current in the 3 months preceding a report of 120 days late. Although I sent XXXX XXXX the proof that Citi Mortgage is reporting and verifying incorrect information this account is still on my report when is should have been deleted XX/XX/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 2023-10-08
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please provide me with the accurate information on these accounts, this effects my life and you guys are listing wrong and inaccurate information 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 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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/23. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/23. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts be corrected. 

XXXX XXXX  Balance : {$160000.00} XXXX  XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00}

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 2020-01-14
Company: Mortgage Research Center, LLC
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My XX/XX/XXXX and XX/XX/XXXX payment ( combined as double payment ) was misapplied and labeled as returned by mortgage company. In XXXX I made 2 payments as well to catch it up. XXXX payment made on time, XXXX payment was missed but XXXX was on time. XXXX I paid {$1300.00} on a mortgage that is supposed to be {$1000.00} a month as part of a repayment plan. XXXX I made the same payment and was advised I would be on this plan until XX/XX/XXXX because I was behind 2 payments. Upon further investigation I found the issue as a misapplied XXXX payment as well as one missing XXXX payment. XXXX XXXX is placing burden of proof on me - which I submitted via bank statements and payment breakdown and confirmed with my banks the payments did in fact clear- and VU told me the process has no timeframe for completion. Meanwhile my account has been reported as delinquent for a YEAR and i have incurred fees. I need this fixed ASAP as well as my credit report updated and i am more than happy to provide any and all documentation supporting my claim.

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 2020-12-20
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In XXXX of 2019 Macy 's put a late payment on my account. This was an auto bill pay issue I never received a notification stating that my card did not go through. I have 16 months of perfect payment history with them and only 1 missed payment because it goes to show I was never notified.

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 2023-03-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: NV
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 recently checked my credit report and noticed some accounts that I do not recognize and I have not authorized. I believe I have been a victim of Identity Theft. There are several mistakes and inaccuracies regarding the account status. I am demanding this account be immediately removed off my credit report. 

Bankruptcy XXXX XXXX I have contacted the District Court and they have confirmed that they have not given any private information in reference to this account. 



I also have attachments along with this complaint containing the correct information. 

28 USC 1746 Unsworn declarations under penalty of perjury

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was closed over a year ago. However, company continues to report debt to credit bureaus as current which is negatively affecting my credit score.

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 2021-09-28
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a dispute letter. that contained inaccurate things on my credit report. It has been 60 days or more I've received a response but its not the one I would like to hear. I feel like the Junk Collection agency just ignores my reasons for them to close my account. They can't provide me with any documents proving or staiting the I authorized that account. I asked them to send a copy of my id along with signed documents and my social. They couldn't provide this info for me. 15 U.S. Code 1681- Congressional findings and statement of purpose states ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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. I demand these accounts be deleted immediately or I will file for litigation due to all the stress all of this has caused. My Info was also affected by the XXXX data breach and more than likely got in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX account number XXXX amount of {$960.00} opened on XXXX XXXX XXXX account number XXXX amount of {$100.00} opened on XX/XX/XXXX XXXX XXXX account number XXXX amount of - limit {$500.00} opened on XX/XX/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 : 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 non-monetary relief
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: MN
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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more th an 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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 filed a dispute in regards to the incorrect items on my credit report and it has been over 30 days and I havent received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Per attached evidence, this is in regards to DEPT OF EDXXXX as reporting on my credit reports. Please delete this account from my report due to inaccuracy and inconsistencies in reporting because this account is not reporting on my XXXX nor XXXX credit reports. Kindly see attachments for proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates.

Per CUSHMAN v. TRANS UNION CORPORATION ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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. '' Much Obliged, 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 2018-04-27
Company: Experian Information Solutions Inc.
State: AZ
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:
Disputed inaccurate information as told by the collection agency. Collection agency and original creditor sent me a letter to forward to Experian to have the inaccuracy removed. Upon receiving I started a dispute and uploaded documents provided to have the collection removed from my credit report. I received a letter from Experian telling me that even though they received that documentation they still WILL NOT remove it. No contact phone number to talk to someone about this issue at Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.

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 2023-01-26
Company: Credit Karma, LLC
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: Reporting company used your report improperly

Complaint:
In 2022 Credit Karma said I was pre-approved for multiple credit cards that I was not approved for therefor causing negative impacts to my credit score.

Company response to consumer: Closed with explanation