BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-08
Company: U.S. BANCORP
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: Account status incorrect

Complaint:
Cares Act of XXXX CoVid-19 Good Will Late Payment Removal Request Name- XXXX XXXX DOB- XX/XX/XXXX Last 4 Of SSN- XXXX Address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account Number- XXXX Opened- XX/XX/XXXX Secured Card XX/XX/XXXX To Whom It May Concern At The Office of The CEO ( US BANK ) Corporate Office Thank you for taking the time to read this letter. Im writing, because I noticed that my most recent credit report contains a late payment reported on XX/XX/XXXX for my US Bank account XXXX. 

I want you to know that I understand my financial obligations, and if it werent for me being affected by a job loss due to COVID-19, Id have an excellent payment record. I made a mistake in falling behind, but since then I have gained another place of employment and I have caught up with my payments this XXXX. 

According to the Cares Act of XXXX, If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). 

I am fully exercising my consumer rights under the Cares Act of XXXX and I am requesting that my US Bank Account with account number XXXX, be updated with all XXXX of the major credit reporting agencies as paid and full and never late according to the provisions of the Cares Act 2020 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). 

I have a spotless record of on-time payments since this late payment occurred. Im planning to apply for a mortgage and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late that occurred in XX/XX/XXXX from my US Bank XXXX under Cares Act XXXX 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). 


Thank you for your consideration, and I hope youll approve my request. 
Warm Regards, 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 2023-12-14
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/2023. 

I physically when to a XXXX dealership to purchase a car with a check in hand, with my prequalified letter from my bank proving the check off {$55000.00} was used to purchase a car. 

XXXX bait and switch the contract by forging my name to their in-house deal contract without my knowledge, and proceed to run my credit to multiple financial institution deflating my credit score to low XXXX to appending a high percentage rate of 15.70 % to the price tag of {$28000.00} blooming the price of vehicle to {$44000.00}? 

Leaving me to defend the excessive inquiries and now reporting to my credit with derogatory remarks as of XX/XX/2023.

Company response to consumer: In progress
Consumer complaint received 2023-08-09
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for deferment back in XXXX and my payments have not been applied correctly. I call every week and keep getting its in system update. They are failing to apply my funds to My account correctly. I keep getting notifications for being past due, my escrow is not being done correctly and I never get a supervisor call back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-08
Company: NRA Group, LLC
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt is part of a litigation related to a car accident from several years ago. I spoke with the creditor the original agency as well as the other two credit reporting agencies and the charge was removed as it is in litigation and XXXX refuses to remove

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 2021-07-08
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: Investigation took more than 30 days

Complaint:
Information on my credit report was not validated in time 45 days after sending multiple dispute letters to the credit bureau. The Fair credit reporting Act was violated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: U.S. BANCORP
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: Account status incorrect

Complaint:
I was in XXXX  around XX/XX/XXXX and got released around XX/XX/XXXX. Before I went to XXXX  I had a debit account at this ( bank ) U.S Bank. After I was release I found out my debit acc was closed and there was a credit card open for around {$570.00} of debt and it was charged off. This was not me and I believe this is fraud. I contacted the company, they sent me fraud papers, I filled them out and mailed them. But after a few months I didn't get a response back. I'm filling this out because of experience to increase my credit score and this is still on my profile.

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 2021-07-08
Company: CORELOGIC INC
State: AL
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:
Credco made two inquiries to my credit report with XXXX  on XX/XX/2021. Each time a credit report is pulled it causes the consumer 's FICO score to decline. Mine went down by 18, and now is below average at XXXX. All my credit reports has freezes place on them. These over active mortgage brokers/lenders do not wait until the freezes are temporarily lifted and make inquiries over and over again to make these home loans and refi possible for the mortgage companies they work under. Therefore, making the consumer 's FICO scoring to decline. Because they perform this transaction twice, which was not necessary my credit file is totally in error by the decline of 18 and needs fixing my Credco and XXXX XXXX, who both did the same exact thing for the mortgage broker/lender. XXXX XXXX made two inquires to my credit file on XX/XX/XXXX and XX/XX/2021. Again, not waiting for the freezes to be lifted by all three credit bureaus by being over-bearing in getting this loan application approved or accepted by the mortgage lenders. I am consider now below average with a terrible FICO created by a Credco and XXXX XXXX that the mortgage brokers used to obtain my credit 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 explanation
Consumer complaint received 2021-07-08
Company: TrueAccord Corp.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company by the name of True Accord has been sending me emails frequently about a loan account that they stated I have a balance of and owe. I sent them a letter requesting that they validate this debt that they say I owe. The letter arrived on XX/XX/XXXX & the company signed for the document.I 30 waited days to give them time to investigate. They had until XX/XX/XXXX from the date they received it to send me documentation that this debt is mine. They never responded within that 30 days or provided any evidence .Where is the documentation? I have reached out to XXXX  who True Accord is saying they have verified this account with. I have no idea of this account and it is negatively affecting my ability to qualify for a home loan!! How are you verifying this account? They're clearly in violating under the FCRA. I will file a suit if this isn't corrected by the law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I XXXX XXXX currently have some fraudulent increase appearing on my credit reports. I have listed supporting documents below.

Company response to consumer: In progress
Consumer complaint received 2021-07-08
Company: Reverse Mortgage Solutions, Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX hit, forced place Insurance at time Borrowed filed a claim on the damages, structure damages only roof, walls, ceiling, floors in heavy rainstorms water comes in through the doors, windows, mold. 
XX/XX/XXXX Foreclosure documents default {$17000.00} on forced place Insurance. 
XX/XX/XXXX, we get call from adjuster lawyers office, stating they were not able to help with the claim based on borrow has no right to file claim on property. 
Present XXXX damages are worse, mold has gotten in closets, bathrooms, rooms, kitchen new cabinets are deteriorating from mold and now we are bound to mortgage lender and insurance company on behalf of all damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: In progress
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: VA
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:
Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S Code 1681e ( b ) Compliance procedures maximum possible accuracy.

To Equifax Recently I did an investigation on my credit report which caused my XXXX XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under U.S Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I Know that Under 15 U.U Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

8. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 





Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is XXXX of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX and XXXX XXXX XXXX. Please remove these accounts ASAP.

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 2023-11-22
Company: Bread Financial Holdings, Inc.
State: AR
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Ive called multiple times on a recorded line of Comenity Capital and they would confirm my address they already had on file and then they say they will send it and Ive never received it and they are charging me way more then what they said they have tried to tell me I refused statements however Ive tried on multiple occasions to get it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-19
Company: Experian Information Solutions Inc.
State: CA
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: In progress
Consumer complaint received 2023-05-30
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 status incorrect

Complaint:
I hope this message finds you well. I am writing to address a pressing matter concerning the inaccurate information on my federal student loan, previously serviced by XXXX XXXX and now XXXX. The reporting of erroneous and incorrect data on my credit report has persisted for the past year, and it is crucial that this issue is resolved promptly. 

Upon the transfer of my loan servicing from XXXX XXXX to XXXX, I had anticipated that any previous reporting errors would be rectified. Unfortunately, to my dismay, these discrepancies were carried over to the new reporting system. These inaccuracies are undeniably detrimental to my credit score, unfairly compromising my financial standing. 

Despite my repeated attempts to resolve this matter, the errors persistently resurface and are verified as accurate. I have attached copies of the credit reports from each of the Major Bureaus, which clearly demonstrate the differing, incorrect, incomplete, and inaccurate information being reported. It is my firm belief that these discrepancies flagrantly violate the Fair Credit Reporting Act ( FCRA ). 

The current state of reporting not only tarnishes my credit history but also severely hampers my ability to secure loans. Such unjust reporting should not be tolerated in any circumstance. 

I implore you to take immediate action to rectify these inaccuracies, thoroughly investigate the violations to the FCRA, and ensure that the correct and accurate information is reflected on my credit report or REMOVE THE NEGATIVE REMARKS on my PAYMENT HISTORY. Additionally, I kindly request that you provide me with a comprehensive update regarding the progress and resolution of this matter. 

I understand the importance of adhering to the regulations outlined in the FCRA, and I trust that you share the same commitment to upholding these consumer rights. I anticipate a swift and satisfactory resolution to this issue. 

Thank you for your prompt attention to this matter. I look forward to your immediate action and a favorable response.

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 2021-07-08
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX, XXXX opened the collection account on XX/XX/XXXX on behalf of XXXX XXXX XXXX XXXX XXXX  for the amount of {$1800.00}. This company never contacted me until they reported me to Experian in XX/XX/XXXX. This is an unfair collection because I terminated my lease under Section 92.054 ( b ) of Texas Property Code due to an unlivable condition in my apartment unit that last for two weeks ( XX/XX/XXXX - XX/XX/XXXX ) due to electric outage and flood from the winter storm. The Texas Governor 's Office also issued a disaster declaration on XX/XX/XXXX. The apartment management was unwilling to move me to another unit without paying extra, which I have that right as a tenant. Additionally, water removal and moisture mitigation were improperly done, resulting in molds and more water. I decided to exercise my right and terminate my lease under Section 92.054 ( b ) of Texas Property Code, which provides the right to terminate the lease without penalty as well as to receive pro-rata refund of the rent and the security deposit. All I wanted was to have a place in a livable condition that this apartment complex failed to provide. 

I have also tried to dispute this report through Experian but without success. I believe that Experian has violated violated the Fair Credit Reporting Act.

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 2023-11-19
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: Information belongs to someone else

Complaint:
Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. Account name XXXX XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXXXXXX XXXX XXXX XXXX Account number Last XXXX XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX Account number Last four XXXX Account name XXXX XXXX XXXX Account number XXXX, XXXX Account number XXXX The following inquiries are fraudulent : XXXX XXXX XXXXXX/XX/2023 XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2023

Company response to consumer: In progress
Consumer complaint received 2023-12-02
Company: Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
CREDIT COLLECTION SERVIC : Phone : ( XXXX ) XXXX XXXX This is listed on all my credit reports. The phone number listed does not work. I've filed several disputes about this collection. The reporting agencies don't respond to my concern. Instead they decide that the account belongs to me.

Company response to consumer: Untimely response