BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Comenitybank/XXXX  is reporting a charged off account on my reports that I have been disputing for a while now. 

I sent them a letter on XX/XX/2023 requesting validation of this debt and I have not heard anything back. 

Per the FCRA, the consumer reporting agencies have 30 days to complete their investigation in receipt of my dispute. It has been well past 30 days and have not received any type of communication back. 

How are they able to report this account on my credit reports as valid when they have not responded or provided any valid proof to me? 

I am requesting that this account is deleted from my reports as they are in violation of my rights as a consumer to have accurate and valid information on my credit reports and right to dispute!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I reviewed my credit reports and all three have multiple inaccuracies, they are reported that my Fed loans are XXXX and 160 days late but there are no 30 or 60 days payments reported. I believe these are violations of the FCRA. and have requested in writing multiple times that there inaccuracies be corrected or removed with no action being taken. I am requesting these late payments be removed from all three of my credit reports and new reports with undated information be sent to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
To Whom It May Concern : I received the attached letter from SPS today. I am baffled and befuddled how this company can not correct the Escrow account? The letter sent is still INCORRECT. They have changed my property taxes to {$9000.00} and my property taxes are {$18000.00} PER YEAR? 

This is beyond frustrating. SPS is going to make us loose our home? And to top it off. I have been writing letters to them to correct the escrow account to reflect the correct annual property tax amount since XX/XX/XXXX an entire year. 

I have attached the property tax bill from XXXX XXXX XXXX and it clearly states {$9100.00} is due XX/XX/XXXX and {$9100.00} is due XX/XX/XXXX. This totals, {$18000.00} First and foremost the {$9000.00} amount is short {$390.00}? 

Second, based on this escrow analysis my escrow account will continue to be SHORT. By XX/XX/XXXX it will be short again. By XX/XX/XXXX it will be short again ..... 

Based on my complaint it is my contention that SPS should be liable to pay any shortage as they will not calculate my monthly escrow account correctly? I should not have to pay an additional shortage amount every month for the duration of this loan. IT NEEDS TO BE CORRECTED. IT IS NOT CORRECT. 

Is there anyway I can get a new servicing company because SPS is going to make me and my husband lose our dream home over property taxes? 

If, the property taxed are {$9100.00} two times for the year? HOW CAN MY ESCROW BE SET AT {$9000.00}? PLEASE EXPLAIN THIS TO ME? IT DOES NOT MAKE SENSE? 

FURTHER I AM REQUESTING THAT SPS BE RESPONSIBLE FOR ANY SHORTAGES AS THEY ARE NOT CORRECTING MY ESCROW ACCOUNT WHICH THEY ARE BOUND TO DO BY LAW. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Somebody opened bank accounts with my identification.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone has my information & tried to use it, and Im worried about identity theft. I Tried serval times to dispute accounts with credit bureau.According sec 15 USC 1681 ( A ) ( 4 ) Consumer right to privacy 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter 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.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer report or i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Verisk Analytics Inc
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have repeatedly told Experian in writing and in phone calls that these accounts are a result of fraud and they have failed to help me.

1. XXXX XXXX XXXX address identification is XXXX on my report. I have never had an account with this company.

2. XXXX XXXX states the original creditor is XXXX XXXX XXXX  XXXX XXXX XXXX and the address identification number is XXXX. I have never had an account with this company, and it was fraudulently opened. Experian does not have the authority to allow a company to report false information on my credit report because they have a duty to FIRST validate the debts before they put them on a consumers report. I have never had an account with this company, and it was fraudulently opened. I will pursue legal action if this is not corrected immediately. They have no means to validate this debt because its fraud and has been reported to the XXXX XXXX Police Dept. 

3. XXXX  is on there twice. The original creditor is listed as XXXX XXXXXXXX XXXX XXXXXXXX. The address identification number is XXXX. I have never had an account with this company, and it was fraudulently opened. I will pursue legal action if this is not corrected immediately. They have no means to validate this debt because its fraud and has been reported to the XXXX XXXX Police Dept. 

4XXXX XXXX XXXX XXXXXXXX XXXXthe address identification number is XXXX- I have never had an account with this company, and it was fraudulently opened. I will pursue legal action if this is not corrected immediately. They sold this fraudulent account to a collection agency by the name of XXXX. They have no means to validate this debt because its fraud and has been reported to the XXXX XXXX Police Dept.

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 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I consumer XXXX, in fact natural person am contact Transunion a second time, demanding the removal of unverified information from my consumer report. The Fair Credit Reporting Act ( FCRA ), requires that credit reporting agencies such as Transunion properly verify the information being reported, and if such information cant be PROPERLY verified, then it must be removed. I sent in a notarized dispute letter to Transunion via certified mail on XXXX XXXX, return receipt requested -- demanding that you remove the disputed fraudulent accounts from my credit file. Transunion has failed to investigate my request or respond to me at all and is in further violation of 15 usc 1681i. Transunion has not removed the items and continues to be willfully in noncompliance with federal law and as a result, has caused harm to my reputation, defamation of character and mental & emotional abuse 15 USC 1692d and is now further criminally liable pursuant to 15 usc 1611..They are neglecting to resolve this matter. also, 15 USC 1681 ( c ) states that any accounts placed in collection as a result of fraud and id theft should be EXCLUDED from a consumer report and Transunion has violated me and has not responded to my request at all. My identity has been stolen and I did not give Transunion consent to score me or furnish authorized credit accounts to my 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 2023-03-13
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On the date of XX/XX/2023, I opened the Chase checking and saving accounts, and I made two online transactions from my personal XXXX checking to the accounts, with the amount of {$2000.00} and {$16000.00}, respectively. The transactions were rejected so I called for the help on the date of XX/XX/2023. The agent advised me to do the transactions again so that these transactions can be activated on her end when speaking to the Fraud team. I followed her advices and made the transactions again. After that, my call was cut from the agent when she was on holding my call while working with the Fraud team. And I got an email saying that my Chase online account was locked because of these suspicious multiple transitions. Then, I called the Chase fraud team for unlocking my account. However, the agent in the fraud team personally thought that I was suspicious even that I gave him the numbers of two of my credit cards and answered correctly on all the security questions. He initiated the process of closing all my Chase credit cards and accounts. He mentioned that I could never reactivate both of the credit car and checking/saving accounts with the Chase in the future. He was being XXXX when asking me if I was calling from XXXX, and said that I was suspicious because of the accent. I would like to seek for the help to protect my rights and my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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: Problem with personal statement of dispute

Complaint:
During the month Of XXXX XXXX, I made a purchase of XXXX and paid it on XX/XX/XXXX. Got a confirmation code which was XXXX. I never got paper statements only by emails. But later discovered that my email was hacked in XXXX so I never got any late payment information due to the email being compromised. Now my card has been hacked again on XX/XX/XXXX for {$1.00} cent which I called about and it was not fixed. I have attached all the findings on the account. I have sent more then 3 goodwill letters expressing to them that if I was paperless and only got emailed the statements but due to my account being hacked I knew nothing about it. I received a confirmation number. And each time I was told or sent letters to them, I was told could not be helped because of the credit laws and that the information provided to credit bureau was correct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
capitale one bank froze my checking account for no raison. Since i got approve for ppp forgiveness loan on XX/XX/XXXX i got my account been frozen by capitale one. This is my only checking account. 
please need your help to restore justice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/21 I was notified by XXXX XXXX, XXXX a new account was opened in my name. I had not opened a new account. The account was listed as THD/CBNA, which is XXXX XXXX XXXX Citibank XXXX XXXX XXXX I have frozen all my credit through XXXX XXXX, and XXXX as well as disputed this on my credit report. I have filed a police report with my local authorities. I have also contacted XXXX XXXX and let them know I did not open this account. In the process of doing this I checked my balance the limit is {$5000.00}, with charges totaling almost {$5000.00} on the account. I am not sure where the purchases were made or who might have made them.

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 2023-10-29
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXX 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 an account without my written instructions. This organization has failed to provide a validation letter with a signed contract. A contract must be presented not an itemized bill. The company is not compliance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Many items on my credit report are listed inaccurate among the three credit bureau agencies. As a victim of identity theft I have reported several alerts to my credit bureau accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate 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 non-monetary relief
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
State: HI
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:
Case no : -Incorrect reporting on credit file. 

This is with reference to my XXXX credit card -Act. # XXXX and also with reference to last four digit card no XXXXi have send few letters and called also several time, with reference to the incorrect reporting about late payment for XX/XX/2019, At that time also I explained why it was not correct and when I contacted the member service for the payment, they advised that its not going to affect my scores and it was well within the pay period date. I also told by Customer service later that they have send communication to reverse when I contacted on XX/XX/2019.but nothing happened after that Also the online payment facility was blocked and my direct payment didnt go through which has created more of a problem, As result, I am facing consequence of the same and it is still showing on my credit history and this is very negatively effecting me and my current situation May I kindly ask you to please check and revert back, the in correct remark on my credit file and help clear the late reporting on XX/XX/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 2022-05-06
Company: Experian Information Solutions 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:
Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be deleted immediately : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I paid off the majority of my credit card : Freedom from Chase. I have never had a late payment with them. As soon as the pandemic for Cornavirus hit, Chase decided to reduce my credit limit drastically. I have not used my credit card, but this has damaged my debt to credit ratio drastically. According to Chase they reduced my credit limit from a credit report that was pulled on XXXX XXXX, before the pandemic. They decided to reduce my limit until I paid it off and the pandemic hit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 U.S.C. 1681 section 602 A. states I have the rights to privacy. 

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-05-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 U.S.C. 1681 section 602 A. states I have the rights to privacy. 

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation