BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a XXXX credit card that was included in my XXXX  XXXX XXXX proceedings back in XXXX. The creditor chose to not participate, and the card should have been showing as a charge off since XX/XX/XXXX. However, due to some misinformation, misreporting, etc. the payments were showing as on time in the beginning of XXXX. This is inaccurate information, and should have been a charge off since XX/XX/XXXX and should have been gone off my credit report as a negative reporting item in XX/XX/XXXX ( 7 years for bk actions ). However, when disputed with Experian, Experian added an additional 3 years added to the negative action, and did not remove the action. I have called XXXX several times now, they've indicated that Experian was told to remove the action, it was included in the XXXX  XXXX, and Experian disputed that XXXX told them this information and questioned the veracity of the statement. I am caught in the middle between XXXX informing me that they're telling Experian to drop the negative action on my report, and Experian saying there's nothing that they can do and to keep disputing the negative item on my report. I am also in contact with my XXXX attorney to see what, if anything I'm able to have them do to get this negative item off my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06
Company: V and H Portfolio
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: Their investigation did not fix an error on your report

Complaint:
I identified an apartment rented in my name in late XXXX, Early XX/XX/XXXX. I notified all three Credit Bureaus of identity theft. I previously had a police report on file, but had already updated it to include other accounts opened in my name. I'd been fighting this since XXXX. XXXX  has refused to remove the items from my report. Now a collection agency is contacting me regarding items that should have been blocked from my report and the Apartment is still showing on my report. Please remove and block these negative items from my report. In addition, I'm now finding incorrect addresses and name variations on my report. My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and have done so for 3 years. 
Ss # XXXX XXXX XXXX Thank you for you prompt attention to this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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'm disputing the following accounts on the pure bases of my identity being compromised years ago but the aftermath is the unknown and unauthorized accounts reporting on my credit files, data that's obviously not mines. I would like to see what all documents that was used to open these accounts, or please remove the following accounts. 

1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX   XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX 5 ) Chapter XXXX Bankruptcy These accounts are stopping me from obtaining my true credit report data files.

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 2023-11-27
Company: Experian Information Solutions 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a 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 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 2021-04-22
Company: CITIBANK, N.A.
State: UT
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:
Citibank Home Depot is reporting al ate for XX/XX/20 that I would like removed. I got very sick around this time and ended up contracting XXXX where I was then out of work for over 2 weeks. During this time I fell back on a lot of accounts and really had to take care of necessities first. I ask that Citibank please remove the late as I was going through hardship and I had not been late prior or since then.

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 2022-03-15
Company: Social Finance, Inc.
State: NY
Product: Credit reporting, credit repair services, 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:
Hard inquiry from XXXX XXXX XXXX  XXXXI did not apply for credit, disputed with XXXX and removed from my report. 
Received a call from Sofi about an account that was being attempted to be opened. I did not try to open account. XX/XX/22. Disputed with XXXX and removed from report. 
Received a letter from XXXX denying a Credit card as i already had a credit card from XXXX XXXXI did not request a new line of credit -I called XXXX  and they listed this as fraud., XXXX did not see this on my report. 
Hard inquiry from XXXX  XXXX XXXX I did not request a credit card from them. 

I have placed a credit freeze with all 3 credit bureaus so that no one will be able to open credit in my name. I'm not sure what else to do. 

*i did open care credit with XXXX XXXXThat is the only recent credit line that i applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Collection Bureau of Fort Walton Beach, Inc
State: AR
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:
Collection Bureau of Ft. Walton Beach XXXX FL XXXX Inc. continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry has an account number as XXXX and the original creditor is XXXX XXXX XXXX XXXX. 
The entry on my reports reflect that Credit Bureau of Ft. Walton Beach reported this entry in XXXX and XX/XX/XXXX on my credit report, yet they did not provide any communication to me. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. 

The payment history for this account lacks veracity. If they are indeed a third party collection company, how is there alleged payment history reporting? This is inaccurate. Why does XXXX   reflect payment history in XXXX and XXXX, yet on XXXX, they do not report any payment history. Too, the Affordable Care Act provides that companies must allow six months to past prior to reporting any alleged medical entry to consumers ' credit report. This company violated this as well. Their reporting again began in XX/XX/XXXX and the date opened reflects XXXX and XXXX XXXX this is only a mere 2-3 months. Additionally, I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. 

My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Collection Bureau of Ft. Walton Beach, FL. To that end, in XX/XX/XXXX ( see attached letter ), I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the dispute ( see attached ). 
To date, this company has not responded to my dispute of the validity of the entry they are continuing to negligently report. This company has had 60 days to respond to me, yet they have not. Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that Collection Bureau of Ft. Walton Beach, Fl has no intent to honor nor respond to my previous dispute ; therefore, in the absence of them not responding with any documentation to substantiate the alleged debt, this entry must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06
Company: Experian Information Solutions Inc.
State: AZ
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:
They are still showing on my report I've requested to have a fraudulent card open and used from XX/XX/XXXXXX/XX/XXXX/XX/XX/XXXXand it was ran again against my credit. Also other things are still been showing on all 3 credit bureaus that should not have even been placed and I asked to have researched and the disputes have come back stating they will have them updated and hard inquiries that I did not apply for. I have been monitoring my reports and see these being done and sent disputes and still nothing!!

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 2022-11-10
Company: EQUIFAX, INC.
State: IL
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. 
XXXX # XXXX 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 explanation
Consumer complaint received 2020-03-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My insurance company mailed my mortgage company a renewal invoice on XX/XX/2020. The mortgage servicer held the invoice until XX/XX/XXXX before cutting a check. That check # XXXX was not placed in the US mail until XX/XX/2020. Today I received a 10 day cancelation notice form my insurance company for non payment. I contacted PennyMac the mortgage servicer they are saying it takes 10 business days before they will do anything. After that point they will verify the check has not been cashed issue another and overnight it. That will take 5 business days. At that point my insurance will have expired. PennyMac further told me I have 30 days grace period before the insurance company will cancel. The 10 day cancellation notice is clear from my insurance company my policy will expire XX/XX/2020 XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The name of the company is XXXX XXXX ( not sure if that is how it is spelled ), the amount they said was XXXX, when i was going through the list of questions to ask a fraudulent debt collector, Mr. XXXX got upset. I ask the address of the collections agency, he would not give it advising that in this world of XXXX it would not be safe. When i asked for the address of the debtor, he got upset and refused to answer advising since i had already said I was me ( saying my name ) and verified my birth date that was enough and then got upset saying i was being difficult and refusing to help. He hung up, i then called back to talk to him again, to advise him i was asking the questions to make sure he wasn't a fraud. He then got more upset and said he would garnish my wages and have me served with papers at my work or home. i tried to explain why i was asking and he said he was blocking my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
Hello, On XX/XX/2020 I requested a wire transfer of {$11000.00} from my checking to my account in XXXX. According to the receiving bank in XXXX ( XXXX XXXX  ) instructions were received on XX/XX/2020 but no funds were sent, XXXX XXXX reached out to Capital One on XX/XX/2020 to inform that the wire can not be completed. On XX/XX/2020 funds were sent to XXXX XXXX  but without appropriate instructions ( missing beneficiary 's name, account number ) therefore they could not be properly booked. 
In the meantime, on XX/XX/2020 I recalled the wire since the money was missing and nobody could explain where the money is or help me. Funds ( {$10000.00} ) were returned by the receiving bank on XX/XX/2020 but only {>= $1,000,000} was credited to my account with Capital One on XX/XX/2020!!! 
This was a very long and frustrating process having my money missing and not available to me for 5 weeks. Capital One was not helpful and ignored my emails and phone calls which is very unprofessional and not reassuring to the customer. 
I spent a lot of time trying to trace the wire, calling both banks, here and in XXXX. 
This money was sent to pay my mortgage on the place I am buying in XXXX. 
As a result of Capital One Bank 's incompetence, I incurred late fees on my mortgage payment. 
Also I was charged by Capital One a fee of {$40.00} to initiate a Wire, {$25.00} by the receiving Bank in XXXX to receive a wire. Out of the total Wire amount of {$11000.00}, I was refunded only {$10000.00}. I am seeking to be reimbursed the fees of {$140.00} I was charged since the services were not performed and cased me great deal of stress. 
I save and budget my money carefully and this situation caused me unnecessary financial expenses due to lack of competence and professionalism displayed by Capital One. I did file a complaint previously-ID XXXX, I am filing this complaint to recover the fees unjustly charged to me. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: CrossCountry Mortgage LLC
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Hello to whom it may concern, I have a credit inquiry reported from Cross Country Mortgage on XXXX that is inaccurate and with any written or verbal consent. I've tried multiple times to remove it with XXXX this year but this is the first time they direct me to you. I have XXXX relationship with cross country mortgage, never filled out any applications with them or phone calls, I don't have a home. This is in violation of consumer rights within Protection of Nonpublic Personal Information 15 U.S CODE 6801 which protects against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. I did not give any verbal or written consent or application to Cross Country Mortgage. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 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 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 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