BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: MD
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, 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 instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: NC
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:
Multiple mortgage inquiries have been placed on my credit report within days at a time. I was advised that if credit is checked for a mortgage within a 14-day period, it will count as 1 hard pull. 

I have had a hard time speaking with equifax and XXXX to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-09
Company: Experian Information Solutions Inc.
State: SC
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. 

I told the Experian and XXXX to reinvestigate these accounts : Account name : Department of Education DPT EDXXXX Account name : XXXX XXXX  XXXXXXXX XXXX XXXX However XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. Also according to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

They are plenty accounts that they have no fix ; but these two have been abused being modified and updated to verified. That is a lie. I even sent proof. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2020-02-06
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had medical emergency XX/XX/2019 and was transported by XXXX  XXXX XXXX to the hospital. They billed my insurance company XXXX {$840.00}. XXXX negotiated a reduced amount of {$720.00} which they have paid. I spoke with XXXX and they have assured me that I do not owe anything to XXXX XXXX  and they are sending me a letter within the next two weeks stating that. I now have a letter from PennCredit that I owe {$140.00} and the creditor is City of XXXX, FL. for EMS services and they have also placed a record in my credit statement of unpaid debt. I reached out to PennCredit but they have the issue under review and have done nothing to remove the remarks from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Attempted to open Wells Fargo XXXX Account online - authorized {$500.00} ACH from XXXX to open account. Had technical issue and was advised by wells Fargo chat yo close that account and open account again. I did that with {$25.00} ACH authorized. Wells Fargo withdrew both the {$25.00} to fund active account AND {$500.00} that they can not find. See attached screenshot showing both transactions ( {$25.00} credited properly and {$500.00} lost )

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 2023-07-09
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:
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 Amount {$2400.00} Account name : XXXX XXXX XXXX XXXXXXXX Amount {$3500.00} Account name : XXXX XXXX XXXX XXXX Amount {$4900.00} Account name XXXX XXXX XXXX XXXX XXXX Amount {$11000.00} Account name : XXXX # XXXX Amount {$9300.00} Account name : XXXX XXXX XXXX Amount {$11000.00}, 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 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 2022-07-21
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Debt collector called my estranged father indicating I owed over XXXX dollars of debt. As my father did not speak XXXX a minor was put on the phone to translate that is where they provided debt collecting information as well. I called commenity capital bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am filing this grievance as I opened my account with Kohls XX/XX/XXXX which unbeknownst to me had several hiccups. Since opening the account I was unable to access the online account so I called in my payments. However since I was unable to view my billings I reached out to customer service who advised my account was crossed with my mothers. The only explanation the representative could provide was that the phone number used was attached to her rewards information yet my information SS # was keyed in. The representative was able to fix this so I now have access to my online account. However, I am still unable to link my rewards to my account. As you can see there was much confusion as to what should be a simple fix given modern technology. The purpose of this complaint is that I had my credit pulled for a home purchase and was advised of a 30 day late payment that I was impacted with from XX/XX/XXXX, which was around the time I had reached out due to the crossed profile of my account. I was of the impression all was fixed & any penalties due to the system issues were reversed yet that is not the case as Im being penalized for an issue that prohibited my ability to log into the account. As you can see from my account activity I am a loyal customer and have had no issues with my account since. The late hit has impacted me greatly with almost XXXX points being deducted from my credit scores that will take years to cycle out of. It is my hope that due to the system issues from the mixed profile that Kohls will reverse the XX/XX/XXXX 30-day payment hit from the credit bureaus. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: First Advantage LNS Inc.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To Whom It May Concern : I rented an apartment at the XXXX XXXX  for 2 years and during that time, I CONSTANTLY had to contact the Property Management team about the incorrect charges on my account. 

Some of these charges include : - Wrong Rental Amount - Utility Charges that should not be applied to my account. ( i.e. Gas Charges ) - Unfulfilled Maintenance Requests ( i.e. Mice, Insects ) - Incorrect Fees ( i.e. Late Fees ... I was never late with my rental payment. ) I moved out of the XXXX XXXX  in XX/XX/2018 and left my apartment keys in the kitchen like I was informed by a property representative when I called their phone line. 

I even followed up with the property on XX/XX/2018 to make sure everything was good with my account, but the property manager did not respond to my email. 

5 months later, I'm receiving a call from a debt collector for over {$1300.00} dollars in charges. These charges were completely false and my lawyer sent a scathing email to the property disputing all of the incorrect charges that have been clearly added to try to damage my credit on purpose. 

After receiving my lawyer 's letter, the property sent a revised ledger that removed half of the incorrect charges, even though ALL the charges should have been removed. 

This is important because the property NEVER updated the collections agency of the new balance. The collection agency is still trying to collect the {$1300.00} dollar amount. 

My lawyer has advised me to submit a complaint against the property and sue them in small claims court for damages to my credit and for wrongfully sending false information to credit bureaus in hopes of damaging my personal renting history and credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
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 was a victim of identity theft, I have made two reports in the FTC department notifying each of the credit agencies EXPERIAN, XXXX, XXXX, sending all my information about the accounts that do not belong to me, my identity and the number report that the FTC agency provided me, refusing to remove them from my cut in each of these bureaus, also request each of these creditors to send me a proof of the contract signed by me in each of the accounts that They are reporting in my credit report through certified mail which certifies that they received it, which was not answered by any of them, then I opened a new dispute request to each of the bureaus, add the proof of my request test by these creditors who never responded, receiving the same response that they had already verified the accounts and that the accounts were still in my credit report, taking this a process of more than 6 months having an erroneous result since these accounts They do not belong to me and these agencies are not doing the proper verification and violating my fair credit rights as established by law. The accounts in dispute and that have not complied with the correct verification are the following XXXX XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX  XXXX # XXXX. BALANCE {$4900.00} XXXX XXXX XXXXXXXX # XXXX. BALANCE {$11000.00} XXXX XXXX # XXXX BALANCE {$9300.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$7300.00} XXXX XXXX # XXXX BALANCE {$2400.00}. XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} XXXX  XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX  XXXX # XXXX. BALANCE {$11000.00} XXXX XXXX  XXXX # XXXX. BALANCE {$4900.00} XXXX XXXX XXXX XXXXXXXX # XXXX BALANCE {$16000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX XXXX # XXXX. BALANCE {$16000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX XXXX # XXXX. BALANCE {$16000.00} I have complied with all the requirements and regulations to identify that these accounts are not mine, my right to remove them is being violated and these agencies are not doing the verification well since all these accounts do not present accuracy in any of the bureaus and additionally I was not I am the one who opened them, not even the creditors have presented the proof that these accounts belong to me, I ask you to intervene as the agency that regulates these bureaus since it is a process that they do not want to take measures to correct this thank you

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 2023-10-11
Company: Experian Information Solutions Inc.
State: IL
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 recently checked my credit report and noticed this account that did not belong to me. In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 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 had 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 2023-04-18
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LVNV Funding LLC is reporting an amount of {$820.00} erroneously on my credit file. This debt was dismissed in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( XXXX, EXPERIAN, XXXX ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a federal complaint, lawsuit.

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 2018-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with my loan servicer for well over a year with a mortgage I have been struggling to pay on a property that since the XX/XX/XXXX financial crisis is no longer worth what I owe on it. I have had a signed purchase agreement since XX/XX/XXXX for a short sale - not as much as what is owed, but a cash offer at current market value. Whether intentional or not, the process of trying to work with my loan servicer has been hindered by vague and ambiguous communications, mixed messages, and constantly changing demands from them. I have done and provided all that they have asked of me, yet to date they still have not rendered a decision on the purchase agreement that is now over a year old, nor have they offered any alternative resolution, or any relief whatsoever. I had wanted to include my request for assistance and accompanying documentation but that was 74 pages, and over the 10mb limit for attachments, but I am including a letter from my loan servicer acknowledging receipt of this information. I am also including a recent email from the title company who is working on the short sale, as well as a XX/XX/XXXX letter from my loan servicer notifying me that the status and my request had changed, but neglecting to disclose what the change was, why it had occurred, or what I needed to do about it. My attempts to resolve this issue were again met with mixed messages and changing demands before it was finally resolved. A letter with complete information would have clarified the issue and facilitated a much speedier resolution.

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 2023-08-17
Company: Experian Information Solutions Inc.
State: PA
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:
After recent review of my Credit Reports I found numerous Hard Inquiries on my report that I have no knowledge of, or did not authorize .The following are the hard Inquiries that I have no knowledge og : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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