BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: Experian Information Solutions 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:
Re : Dispute of Incorrect Information on Credit Report As my second attempt for resolution as your recent response to my request for reinvestigation left me alarmed. Your vague response was that the aforementioned accounts were " updated ''. However, According to FCRA 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ), your agency is suppose to provide and/or source of the information to which deemed this result. You did not comply with this law and thus, I am writing to again dispute as I am in the process of purchasing my first home. These fraudulent items are causing adverse actions hindering me from moving forward. The following fraudulent accounts on my credit report that I have recently become aware of. The accounts in question are : Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX ... 

Account name XXXX XXXX XXXX XXXX Account number XXXX. 

I have no knowledge or record of this account sand I believe this represents a mistake on the report 1 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v gravens ( mo ) 281 sw 715,719, i presume that no proof of the alleged debt, nor therefore any debt, in fact therefore exists The FCRA, under its purpose and intent in Section 1681 ( previously Section 602 ), was enacted to protect the privacy of consumers, and I believe this has been violated in my case.

Furthermore, under FCRA Section 604, " Permissible purposes of consumer reports '' ( 15 U.S.C. 1681b ), a consumer reporting agency is allowed to furnish a report only under certain circumstances, which I believe have not been met in my situation.

Therefore, I respectfully request that you promptly investigate this matter and, if my complaint is found to be justified, promptly delete the disputed item from my credit report.

In addition, I request copies of the documentation verifying the debt and the identity of the original creditor, in accordance with Section 609 ( 15 U.S.C. 1681g ).

Please acknowledge receipt of this letter and inform me of the results of your investigation.

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 2021-02-05
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Am not aware of this company I C system blance is {$350.00} open XX/XX/2019 2019

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 2023-09-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance : {$25000.00} ; DEPT OF EDXXXX XXXX XXXX : {$6400.00} ; DEPT OF EDXXXX XXXX XXXX : {$3400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2021 I called Capital One and notified the representative that my credit card isnt reflecting with none of the credit beaurus. He advised I needed to write a letter to Capital Ine and mail it in for investigation. Why should I have to do this and still make payments to a card thats not even reflecting my credit. I have owned this card for 10 years and never had an issue with making payments and my credit report updating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX   {$1100.00} ( shown as {$1100.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. Copies of a billing statement DO NOT constitute my ownership of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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: Account status incorrect

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2021-12-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A mortgage officer/sales manager offered first rates and terms with no restrictions. An executed purchase contract was provided to Citizens Bank on XX/XX/XXXX with no response. I contacted the mortgage officer by email on XXXX XXXX to follow up on next steps and received a email undeliverable message. I had to contact a general customer service line at the bank to determine who I should contact, since I had received no indication that the first mortgage office had left the company. 
I reached out to a second mortgage officer who declined to honor the unrestricted rates and terms and indicated that the first mortgage officer was not authorized to offer the first rates and terms and that she could offer second rates, which I declined. I requested by email that the matter be escalated to determine why the first rate and terms were offered to me at all. 
XXXX XXXX I had to reach out to the second mortgage officer, by phone, since I had not received any response by email and again asked the matter to be escalated. 
That afternoon I received the second rates again from the second mortgage officer, with no acknowledgment that these were different from the first rate and terms or that they had been previously offered on XXXX XXXX. I reached out to a supervisor who was also not able to answer questions about how the first rate and terms were offered and again declined to honor the first rate and terms. 
The evening of XXXX XXXX the second mortgage officer indicated, via email, that the rate for the application had been locked at the first rate with an exception requested for discounts points needed between the second rate and the first rate. The second mortgage officer indicated that disclosures would be circulated on XXXX XXXX. 
The disclosures were not provided until XXXX XXXX. The rate in the disclosures was locked at the first rate ; however, the PMI and closing costs were highly elevated above the first terms such that the mortgage was unreasonable. This complaint followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CT
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 a commercial loan with Bayview Loan Servicing but no escrow account with them. I have been paying my own real estate taxes, commercial insurance and flood insurance for many years. On XX/XX/2019, Bayview went into the XXXX, CT public records and upon seeing my real estate taxes were not paid yet, and they are due by XX/XX/XXXX, decided to make my payment for 6 months of {$5200.00}. What they did not know was I paid by company check to the town of XXXX, CT the amount due. I called Bayview many, many times and explained to them their mistake but they did not care, in spite of showing them, the public records are current. The tax collector in XXXX, CT verified they received Bayview 's check and since I was current, sent back the check to Bayview. Bayview then proceeded to post my regular monthly mortgage payment as {$2500.00} PLUS an additional {$5200.00} as a total due monthly of {$7700.00}. Since I did not pay the erroneous escrow of {$5200.00} back to them and while they were waiting to get the check back from XXXX, Ct, they posted to all 3 credit bureaus I owed them a monthly payment of {$7700.00} in XX/XX/2019 and continued to post I owed them a monthly payment of {$7700.00} in XXXX, XXXX, XX/XX/2019. I called Bayview many times each month but they did not want to hear anything from me. I complained to you and still have not received an answer back from the US government except that instead of 30 days to resolve, it is now 60 days to resolve which ends up by the end of XXXX, rather than the end of XX/XX/2019. I also complained to the 3 credit bureaus. XXXX never responded to me, XXXX said my Bayview account was deleted, from their profile of me and XXXX sent back a resolution to me that is totally NOT acceptable to me. In XX/XX/2019, they now show my monthly payment is not {$7700.00} but {$2500.00}. BUT, why do the months of XXXX, XXXX, XXXX and XXXX still show my monthly payment was {$7700.00} but is erroneous reporting of my profile? This is not true and I want it removed immediately, NOT 3 or 4 months later. Their erroneous reporting of my profile has caused me to be turned down by XXXX XXXX for a refinance of a residential property I was doing while this was going on. XXXX XXXX  told me they turned down my application because my monthly payment of {$7700.00} monthly to Bayview was way too high for me to afford a refinance. Bayview 's erroneous payment of my real estate taxes and subsequent denial of responsibility has hurt me financially and I am still waiting for the CFPB to help me out in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XX/XX/2019, in two separate transactions, {$2000.00} was fraudently removed from my checking account via XXXX. I immediately reported this to my bank, Captial One. The first {$1000.00} transfer was credited back to my account but not the second {$1000.00}. The bank said they were able to recover the first {$1000.00} before it went through. I never heard of XXXX and subsequently learned that it if rife with fraud. Capital One should bear some responsibility since my customer profile doesn't include XXXX, which should have been a red flag. Nor was there any two factor authentication. I wasn't alerted via email regarding this transaction either. The person also attempted fraud with my XXXX account by trying to purchase multiple gift cards but XXXX flagged the activity as suspicious and put a temporary hold on my account. Capital One should have been able to do the same. 
Capital One denied the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13
Company: Berlin-Wheeler, Inc. (Kansas)
State: OH
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not relinquished my rights, titles, or interests to BERLIN WHEELER, and there is no existing contract between me and BERLIN WHEELER. I have requested from Berlin Wheeler on multiple occcasions my rights, titles, and interests solely between myself and Berlin Wheeler. 

I request that, unless the DEBT COLLECTOR can provide the contract demonstrating my transfer of rights, titles, and interest to them, they remove it from my credit report. I am specifically asking the DEBT COLLECTOR to produce the contract solely between them and me, wherein I signed over my rights, titles, and interest.

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 2023-09-06
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: SYNCHRONY FINANCIAL
State: NC
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 Account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Experian Information Solutions Inc.
State: GA
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:
In XX/XX/2020 an derogatory account was reported for the amount of {$2300.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ). I am in desperate need of this account being removed.

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 2024-01-15
Company: Experian Information Solutions Inc.
State: LA
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:
I am writing to address a critical matter concerning the Fair Credit Reporting Act ( FCRA ) and the egregious violations committed by XXXX, XXXX XXXX, and XXXX XXXX. It is imperative that I bring to your attention the significant delay in resolving these issues, particularly in relation to my Experian credit report. 

Under 15 USC 1681 section 602, my right to privacy has been blatantly breached by these creditors. The gravity of this situation is further emphasized by 15 USC 1681 section 604a section 2, which explicitly outlines the imperative of safeguarding consumer privacy.

Moreover, as per 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These creditors are in direct violation by reporting late payments without adhering to my written instructions under an open-end consumer credit plan. 

I express my disappointment in the lack of expedited attention to this issue specifically on my Experian report. 

I urgently request Experian to prioritize this dispute, conduct a thorough investigation, and promptly rectify my Experian credit report. 

Your immediate and decisive action in resolving this matter on my Experian report is both anticipated and appreciated.

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 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2023-06-13
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: Account information incorrect

Complaint:
I received an email from the Dept. of Education on XX/XX/XXXX that my student loans were being discharges. In the email I was told that there was nothing I needed to do that the loans would eventually be removed from my credit report. Here it is now XX/XX/XXXX and that has yet to happen. I have called my servicer multiple times and get no where. They transfer me from person person, leave me on hold and it seems that no one cares to look into why the loans are still being reported. I do have a copy of the email and even received a refund check in the mail from dept. of edu.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
I have paid XXXX current and it continues to show as late and does not reflect payments made. Please update this to reflect accurate status.

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 2021-04-05
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX / XXXX 2021 I had challenged AWA Collections to provide validation proof of a debt that was shown on my credit report. As to repose of the company # XXXX. They closed the claim on the CFPB with agreement of closing the account and removing it from my credit report.. As XX/XX/XXXX XXXX my credit report reported to me that AWA Collections did not honored the decision that they stated on CFPB portal. And continue to damage my credit score in the 3 major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: TX
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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  {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX$1500.00} XXXX XXXX XXXX XXXX {$46.00} 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief