BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: NM
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.

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 explanation
Consumer complaint received 2022-11-16
Company: ENCORE CAPITAL GROUP 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: Account status incorrect

Complaint:
I paid past due account with Midland Credit Management who then promised to delete the account from my 3 credit reports. 

They have not deleted the account. 

They haven't even marked the account as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice in the mail from a company called Credence who is a debt collector claiming that I owe XXXX XXXX XXXX XXXX {$180.00} WHAT?? I don't owe anything. I contacted this company in an attempt to straighten it out, they wanted my to give them personal information. I don't owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting 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 COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXXXXXX Balance : {$510.00} XXXX XXXX  XXXX Balance : {$350.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance XXXX {$510.00} XXXX XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} ( Original Creditor XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$510.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} 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 alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
XXXX  XXXX XXXX has allowed XXXX XXXX  to share my social security number and address to Portfolio Recovery Associates for 2 alleged debts one which allegedly occurred on XX/XX/2011 and the other alleged debt on XX/XX/2011. 

These two alleged debts are without merit, because I never received a request for my alleged debt, therefore no debt validation. letter was ever provided. These alleged two debts are not only inaccurate, they are and never have been validated, they are a defamation of my character, they should be removed from my credit report effective immediately as the way the other credit reporting bureaus have removed these unvalidated alleged debts. This horrendous mark on my credit report especially during this pandemic is preventing me from trying to sustain a solid good credit background. I am requesting effective immediately they be removed. 

File # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Through an article I read I found out that Wells Fargo has admitted a calculation error may have led to as many as 400 struggling homeowners needlessly losing their homes to foreclosure and many others being denied modification even though they were eligible. The affected homeowners were in the foreclosure process between XX/XX/XXXX, and XX/XX/XXXX. 
It also states that the mistake in a mortgage-modification tool, discovered nearly three years ago, wrongly factored lawyers fees into the formula put forth by the government to determine if a homeowner would qualify for a federally backed program, like XX/XX/XXXXs Home Affordable Modification Program, or HAMP, Wells Fargo revealed in a regulatory filing. As a result of the banks error, as many as XXXX customers were incorrectly denied a loan modification, Wells said. 
During this time period I was denied HAMP loan modification over and over again. On Friday XX/XX/XXXX I called Wells Fargo to find out if my loan was one of the loans affected by this glitch. I was given a reference number of XXXX by XXXX XXXX who told me she was transferring this over to the investigator and that I should get a call back on Monday, XX/XX/XXXX. 
To date I have not been called nor have I been advised if my loan is one of the affected loans. 
I want Wells Fargo to investigate and evaluate my loan and advise me in writing with details if in fact my loan is one of the loans affected by the glitch. If my loan is affected by the glitch I want Wells Fargo to reevaluate a loan modification on my loan. My home is in foreclosure and a sale date will be set soon and I am in danger of losing my home. 

My information : XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Tel : XXXX Wells Fargo Loan Number : 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 2020-09-26
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: Old information reappears or never goes away

Complaint:
Transunion XXXX Agency has allowed XXXX Bank to share my social security number and address to XXXX XXXX XXXX for 2 alleged debts one which allegedly occurred on XX/XX/2011 and the other alleged debt on XXXX XXXX, 2011. 

These two alleged debts are without merit, because I never received a request for my alleged debt, therefore no debt validation. letter was ever provided. These alleged two debts are not only inaccurate, they are and never have been validated, they are a defamation of my character, they should be removed from my credit report effective immediately as the way the other credit reporting bureaus have removed these unvalidated alleged debts. This horrendous mark on my credit report especially during this pandemic is preventing me from trying to sustain a solid good credit background. I am requesting effective immediately they be removed. 

File # XXXX Transunion

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 2023-09-28
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: Account status incorrect

Complaint:
On XX/XX/XXXX I received notifications that XXXX reported a past due delinquency of XXXX $ for XX/XX/XXXX to the credit bureaus, upon research there were no transactions made on the accounts in XXXX. on XX/XX/XXXX I transferred XXXX $ to my credit builder account and transferred XXXX $ out of the account on XX/XX/XXXX. I have XXXX emails with XXXX trying to resolve this issue since XXXX. XXXX responds back with a generic email stating the information has been updated even though it hasn't. In XXXX of the emails XXXX  admitted a error occured and the delinquency will be removed when my credit report updates, I told XXXX my credit updates in real time and XXXX, Equifax and XXXX states they never received any information in regards to a delinquency being removed, instead another delinquency has been reported for XXXX. 
This technical error that XXXX has made has caused immediate financial stress into my life. XXXX is refusing to acknowledge the fact the XXXXXXXX XXXX XXXX owe is a error, on XX/XX/XXXX I added XXXXXXXX XXXX to my account on XX/XX/XXXX I transferred XXXXXXXX XXXX out of my account, that left my account with a XXXX balance. they werent any transactions or any balance due on the account since XXXX, XXXX balance and XXXX transactions and ontime payments were reported to the credit bureaus in XXXX XXXX and XXXX. In XXXX It stated I owed XXXX XXXX  I called XXXX and they stated it was an error I dont owe anything. Please have XXXX provide proof that I owe the XXXX XXXX You can not say I owe XXXXXXXX XXXX in XXXX when it wasnt owed in XXXX or XXXX. This is the same XXXX $ from XXXX, my account had a XXXX balance. my credit card builder account was never a negative balance, you add money and you spend the money you add. Please scroll down to page XXXX. I reported XXXX  to the XXXX XXXX stated to the XXXX  upon closure XXXXXXXX XXXX  was debited and posted to my account. XXXX. I attached the statement of that, XXXX  is falsifying transactions. I did not have a XXXXXXXX XXXX balance on my account before closure or on closure day, there wasnt a XXXX balance sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: CCS Financial Services, Inc.
State: PA
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never informed how credit really work so at the time that I received these two credit cards, I thought that I could handle the credit cards responsibly. I did well for a few months and then I had a change in employment which resulted in less money to pay credit card payments. When I got to a place that I could start paying on these two cards, I started sending monthly payments directly to Capital One for the two different credit cards that I had. I did not call and ask for a settlement. I just wanted to be responsible and pay the debt and so I did. Because I didn't know much about credit and credit reports, I didn't know that even once the debt was paid in full, it would appear on my credit report as Charged Off /Paid in full and closed by Consumer. I've become much more educated on credit and have been able to use my credit in a responsible way now. I just ask that the negative remarks be forgiven. Please consider my request as I have been working hard to build my credit profile and use it the way it was intended to be used. Thank You in Advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/XXXX a savings account was fraudulently opened up in my name using my social security number for this fraudulent act. I contacted Bank of America which is the bank I have been banking with since XXXX of XXXX they let me know when the account was open when I called and I asked about this fraudulently opened account. However they told me they couldnt give me information about this account over the phone and that they dont know what is going on I had to go into a branch to get the statements I requested from them to go over this fraudulently opened account. 
Furthermore for some reason Bank of America though it was ok and legal to join this fraudulently made account to my current XXXX checking & savings account. This is initially what made me call my bank because I had statements on my account from XXXX up to XXXX that I had no clue of. When I opened to look at the statements they are all blank. Once I expressed to them I was a victim of identity theft and I need to see that account or statements they started to discriminate stating I was being hostile & threatening them. I never once got hostil or threatened anyone the cameras will see that. However following them stating I was being hostile and threatening her she called the cops on me and band me from their bank. I have been banking with them since XXXX and kept my account at good standing and kept good standings with this bank. I am very appalled at how I was treated after expressing my identity theft & fraud. Because of Bank of America lack of privacy & protection of my identity & social security number for me as the consumer I am dealing with major losses with assets in my name & being a beneficiary of a trust. Their lack of privacy and carelessness for me the consumer someone is embezzling money from my trust account with a Bank of America fraudulently opened savings account they let run for 5 years without my consent or knowledge. I am losing so much money because of this lack of privacy with my bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-27
Company: EQUIFAX, INC.
State: OK
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 Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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 a account without my written Consent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Nelnet, Inc.
State: TN
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:
Recently I looked at a copy of my credit report and noticed some incorrect information. Currently XXXX XXXX company is reporting wrong and inaccurate information in which I want to be removed from my credit report. I feel that this account is adversely affecting my credit report and would like to get this checked out. As of now on my XXXX  report XXXX is showing an incorrect last payment date of XX/XX/2019 when XXXX  is showing the date of XX/XX/2019. XXXX  is also showing a balance while XXXX  is not which of course means that the information reporting is inaccurate and needs to be removed from each credit bureau. If in fact upon your investigation you see that my statement is accurate I would like to get the account removed from my report. 


I also want to file a complaint against Nelnet Inc in regards to my student loans. They are reporting late payments to the credit bureaus when in fact all of my student loans are being deferred. I too also would like to late payments to be removed from each credit report as they are also reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-09
Company: Experian Information Solutions 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:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts/inquiries in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated these reporting accounts/inquiries as unverified information without providing any proof within the period allowed by law. The following accounts/inquiries need to investigate and correct for erroneous reporting in my file and are listed on my credit report : INACCURATE ADDRESSES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$270.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5700.00}, XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$36000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00} ; INQUIRIES : XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date 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 Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation