BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-05
Company: Experian Information Solutions Inc.
State: VA
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 don't recognize this accounts and inquiries. I never applied for it, I don't have any contracts or agreements with this companies.

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 2019-10-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XXXX I was charged a fee of {$21.00} by Experian for their HIGHEST LEVEL of consumer services. This apparently was initiated because I fell for a scheme to pay {$1.00} for a " One-Time '' credit report. The MOST TROUBLING ISSUE began on XXXX when I attempted to call the company to have the charge reversed. Initially, I was met with a requirement to " speak or enter [ my ] nine digit social security number ''. During that exchange, I attempted everything I could think of to avoid providing my ENTIRE SOCIAL SECURITY NUMBER simply so I could speak with a human. Ultimately the system disconnected the call. I then searched for, and found, 7 additional phone numbers in an attempt to speak to a person regarding the billing issue. To my shock ( disgust ), I discovered that there is no method of contacting Experian unless I am willing to provide my entire S.S. number! ( Yes, I called all seven numbers ) The number shown on my VISA billing statement is XXXX. And, the four most prevalent phone numbers found on the internet are : XXXX, XXXX, XXXX, XXXX. 

Out of frustration, I called VISA and proceeded to speak to many different departments. After 75 minutes it was determined that unless / until I contact the merchant ( Experian ) " we can not take action on your behalf ''. At that point I had invested 3 hours and 35 minutes, so I placed another call and did exactly what Experian designed into their telephone " greeting '' ... I provided my entire Social Security Number! Followed by : My home address, date of birth and previous home address.

Eventually, the person to whom I spoke was able to provide a " one-time courtesy refund '' for the one month charge of {$21.00}. But NOT BEFORE she did her best to get me to agree to any one of the SEVERAL DIFFERENT MEMBERSHIPS she offered. Only after thoroughly explaining that I will never be a customer of theirs, did she finally understand she was wasting her time. 

This practice of requiring a person 's S.S. number simply for the ability to speak to their customer service personnel, is an absolute breach of trust and a profound example of strong-arming their potential customers to provide the most intimate details of personal identity. The ultimate irony is that this is a " Credit Protection '' company ... but worse yet - I learned that the service for which I was billed was being provided by a company unrelated to Experian. It was a company that paid a licencing fee to use the Experian Brand!! If that doesn't make you scratch your head, I don't know what will.

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 2023-08-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPT OF EDUCATION/XXXX  XXXX Balance : {$4400.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$2800.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$4800.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance : - XXXX  XXXX XXXX Balance : {$650.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$0.00}-

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern, The reason for my dispute is XXXX   XXXX XXXX # XXXX****, # XXXX**** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationXXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2023-03-12
Company: PNC Bank N.A.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for a car loan for a new car and was rejected on four reasons why the car loan was not approved. I disagree with PNC 'S reasons for rejecting my loan request. I Have one credit card with PNC and I pay on time. I have enough money to pay for the loan each month. I clear {$2600.00} dollars each month. I have a present car loan with another company that will be paid off at the end of this year. I am not behind and I have an impeccable credit report. There was a time that my credit was poor, but I endeavored to repair my own credit scoring ; fortunately, I succeeded. I believe that PNC is discriminating against my age and longevity. There is no rhyme or reason that PNC should deny me the opportunity to achieve the American Dream as a XXXX. I have had several disputes with PNC in the past few years and I have become exasperated with the nonsensical, racist and age discrimination behavior if PNC. The reason I have not approached another company for a loan, I don't want to give PNC the satisfaction of running or disappearing. Afterall, that's probably what they want. I will stay on and report all wrong doing by PNC until they respect me as a viable and good customer. I'm still livid about the money that PNC would not return to me by an Airline that stole money from my bank card. It was a company that sold tickets for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Caller : Portfolio Recovery is calling people that they have stolen personal info on and old Bankruptcy accounts older than 7 years and threatening people that they still owe the monies and they will ruin my credit they are a Debt collector and stealing my private info to do illegal stalking and harassment XXXX from XXXX IL- I also have about 1000+ calls form other offices and states and they have called 3 to 4 times a day to once a day for the last 10 yeas

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly ? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 (a)(1)(A) & Section 611 (a)(1)(A) ( a consumer contract with my signature on it ) and under Section 611 (5)(A) of the FCRA  you are required to ...promptly DELETE all information which cannot be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance (Section 617) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I requested proper debt validation from this company based on sections 609 and 601 of the fcra they can not prove any debts this is improper based on USC 1611 therefore I'm requesting this unauthorized account be removed as soon as immediately I've done no business with this company please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, We bought a townhouse in XX/XX/XXXX with a mortgage from XXXX. After closing, XXXX transferred us to Mr. Cooper ( Nationstar Mortgage ). 

The issue here is that Mr. Cooper suddenly increased our monthly payment by {$300.00} in XX/XX/XXXX saying we have a shortage in our Escrow account, and we found that {$1500.00} has been charged in XX/XX/XXXX for home insurance from a different company than our existing home insurance company, XXXX. However, based on our final closing loan statement, we bought home insurance from XXXX and prepaid 15 months premium ( 12 months premium at closing, and 3 months premium to our Escrow account ). Representatives of Mr. Cooper said because they didn't get our home insurance information from XXXX, XXXX, and/or us when we were transferred to Mr. Cooper, they arbitrarily put home insurance on behalf of us without our permission ( or even notice ) to our Escrow account, which cost tripled than our existing XXXX  policy. We haven't received any notice/request/question from Mr. Cooper about our home insurance. 

Having troubled waiting and being ignored by the representatives of Mr. Cooper, we finally made it to have long and inefficient discussions with them, and they said they will try to cancel the redundant home insurance policy and refund the premium. 

First of all, we truly regret that XXXX transferred us to a " reputable '' mortgage company like Mr. Cooper, doing this absurd thing. We've been trying to reach them for two weeks with more than 8 calls and 3 emails. 5 out of 8 calls were not received after a 30-min wait each and 2 out of 8 calls were just suddenly hung up by the representative of Mr. Cooper in a very uncourteous way. 

Second of all, how could this happen earthly? Did XXXX drop our home insurance information when they transferred us to Mr. Cooper? Is this possible for financial institutions like XXXX and Mr. Cooper? 

Lastly, after all these troubles, Mr. Cooper is still saying we have to check again next week to see whether the fix has been made correctly. Still, nothing has been changed in our account on their website. Also, nobody says sorry to us so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I had a home equity line of credit with Wells Fargo my loan number has changed several times and I have requested a copy of the letters that state when and why my loan number was changed. Wells Fargo keeps sending me bank statements and not the letters. I do not want the bank statements I want just the letters for each time my account number was changed and why it was changed. The loan has an expiration year of XXXX and Wells Fargo has insisted since XXXX that all information pertaining to this loan has been destroyed due to their merger with XXXX. Due to the documentation being destroyed Wells Fargo has caused me to file bankruptcy in order to save my home. I believed this loan was paid in full in XXXX and in XXXX I was contacted by Wells Fargo when I arrived home to find a sheriff 's sale notice on my door. Since XXXX I have repeatedly asked for any and all documentation pertaining to this loan only to be told it was destroyed. I have hired attorneys and even went to the Attorney Generals office for assistance where I was told to contact the institution. I have repeatedly requested the information that is why I turned to the Attorney General for help, only to be told contact the institution. A loan number on a home equity line of credit should not just change without the borrowers signature. All I am asking is for a copy of each letter every time my loan changed and when and why. Can someone please help me to get the information I need and also find out why all the records to my loan which they are making pay have been destroyed since the loan expires in 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 2021-06-25
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Also known as name is incorrect. Middle initial is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The Creditor as claimed is XXXX XXXX  XXXX XXXX Fl. The application for the apartment was jointly made with my son who is in college at the time. There was XXXX which led to XXXX at the apartment. No keys was issued or lived in the complex for one hour, they were called by my son that he was no longer interested. XXXX XXXX XXXX XXXX then turned around saying that I owed them {$4100.00}. This is affecting my credit score and unable to secure credit for any thing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2019, I opened a XXXX XXXX  Mastercard by Comenity Bank. I have used it a total of 3 times. I paid for the first 2 charges as soon as I received a bill. I tried to do this by logging in to their website and entering my information so that I could autopay my bill. I could not get the website to take my information. I called and spoke to a representative gave my information and was told I was all set. When I received my second bill I tried again to pay it online, again I could not get the website to accept my information. I again called the company and spoke to a representative, again I gave all my information and at that time I paid the bill long before it's due date. This month I had no current charges and being an XXXX did not check the bill immediately. When I did check it I found that the last charge was still on the bill along with a late fee and an interest charge. I again called the company and was told that the payment had not gone through so the late fee was justified but " out of the goodness of their hearts '' they waived {$15.00} of the {$27.00} fee. I am never late with payments! My credits score is in the high 700 's. The card in question is currently in my trash in many, many pieces. I paid the bill in total through my bank immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-01
Company: EQUIFAX, 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:
The following accounts were on my credit report as Charge off with balance : XXXX XXXX  XXXX XXXX, XXXX XXXX CARD SER.. .. the payment history of late payments are completely inaccurate, and lacking.. I paid the account in full, no balance ... Date of last activity is also not correct. So many errors! CFPB step up and remove this listing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: EQUIFAX, INC.
State: TX
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:
There is hard inquiries on all three credit accounts I dispute with the companies on the report they tell all three credit reporters I have no loans or inquiries from them they tell me and the company 's they dont care, and do nothing then they blocked me from writing calling or accessing my online account for the credit reporting agencies blocked me so cant do nothing thats what they do when you file a complaint on them. so I cant dispute law shows they cant report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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.

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: Closed with non-monetary relief