BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: Expert Credit Sweeps
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Re : Discrepancies and Errors in Credit Reporting by XXXX Dear CFPB, I hope this letter finds you well. I am writing to formally request an investigation into and resolution of significant discrepancies and inaccuracies in the credit reporting provided by XXXX. As a consumer based in XXXX, Pennsylvania, I have recently started a consumer law practice, and it has come to my attention that XXXX has been reporting incorrect and outdated information, which has adversely affected my XXXX XXXX and my ability to build a favorable credit profile. 

I have attached a packet containing my credit reports from XXXX, XXXX, and XXXX, which clearly illustrate the discrepancies in XXXX 's reporting. The following issues require immediate attention and correction : Divergence in Credit Scores : XXXX 's XXXX XXXX differs significantly from both XXXX and XXXX. XXXX 's score is XXXX points lower than XXXX and XXXX points lower than XXXX. Such discrepancies raise concerns about the accuracy of XXXX 's reporting. 

Outdated Information : Several entries in my XXXX credit report, such as charge-offs and old closed accounts, have not been updated for several months, despite the same accounts being updated on other credit reports, including XXXX and XXXX. For instance, the " status updated '' date for the XXXX XXXX account is XX/XX/XXXX, while the " balance updated '' date is XX/XX/XXXX, and the " last payment date '' is XX/XX/XXXX. These inconsistencies violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Discrepancies in XXXX XXXX : XXXX reports significantly higher loan and total debt amounts compared to XXXX and XXXX. XXXX 's reporting shows a loan debt of {$28000.00}, while XXXX and XXXX report substantially lower figures of {$20000.00} and {$20000.00}, respectively. These discrepancies are not only inaccurate but also detrimental to my credit profile. 

I kindly request that the CFPB conduct a thorough investigation into these discrepancies and inaccuracies and take the necessary steps to compel XXXX to correct and update the information on my credit report promptly, with all amendments reflected as late as XX/XX/XXXX. These discrepancies not only harm my creditworthiness but also violate my rights as a consumer under the FDCPA and FCRA. 

Enclosed, please find copies of the relevant credit reports with the highlighted discrepancies for your reference. I am also prepared to provide any additional documentation or information you XXXX require to facilitate this investigation. 

I appreciate your prompt attention to this matter and your commitment to ensuring fair and accurate credit reporting. Please inform me of any updates or actions taken regarding this dispute. 

Thank you for your assistance in resolving this issue. 

Enclosures : XXXX Credit Report XXXX Credit Report XXXX Credit Report

Company response to consumer: Untimely response
Consumer complaint received 2021-04-14
Company: Bull City Financial Solutions, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is BULL CITY FINANCIAL SOLUTION # 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, BULL CITY FINANCIAL SOLUTION 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 ) BULL CITY FINANCIAL SOLUTION failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation BULL CITY FINANCIAL SOLUTION 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 BULL CITY FINANCIAL SOLUTION 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. BULL CITY FINANCIAL SOLUTION has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2023-10-12
Company: Experian Information Solutions Inc.
State: VA
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 reports : XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$640.00} XXXX  XXXX XXXX Balance : {$0.00}

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 2023-09-30
Company: Chime Financial Inc
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
A fraudulent account was opened with Chime and credit card was requested by thief. I got email notification of this act. I immediately called Chime and had them close my account. They confirmed that my account was fraudulently created using my identity and they have closed my account. 
However, on XX/XX/XXXX I received another email that a credit card was issued under my name and address needs to be updated. I have set up a fraud alert and frozen unathourized access to my credit. Yet this account was opened again. So it could be that Chime did not close my account and the third if still trying to access it. Chime has very lax security measures and seemingly makes opening of accounts without any authentication. This is dangerous for the consumers especially who have been a target of identity theft. Chime needs to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: AZ
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 following accounts listed by the credit reporting agency have violated my rights and privacy. 

XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX Account # XXXX XXXX XXXX XXXX -Account XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX XXXX 15 USC 1681 section 602a states that I the consumer have a right to privacy and confidentiality. Additionally 15 USC 1681 section 602a clearly states that credit reporting agencies shall not report any consumer information that I, the consumer has NOT given express written consent to publish or furnish information about any accounts on my consumer report. Furthermore, the credit reporting agencies continue to add incorrect personal information such as other Social security Numbers, Addresses, phone numbers, and names that are not associated to me, any accounts I own, and/or my consumer report. 

Names not associated with me or any accounts I own. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number not associated with me : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Deep flaw in banking system, someone should take action to fix it. 
My checking account in XXXX XXXX ending with XXXX, was compromised and fraudulently some one withdrawn approx {$6000.00}. 
flaws in banking 1. if someone get your account number & checking number can initiate direct electronic withdrawal?? why there is no two step verification, if someone trying to do so at fist time?? 
why there is no confirmation process when large amount withdrawal is initiated 2. Errony, when I noticed some unauthorized is trying to link my checking account, i immediately informed bank to stop this merchant to make any transaction, but they failed!! link happed on XX/XX/XXXX and withdrawal done on XX/XX/XXXX. 
Why bank is not accountable for its carelessness, in spite of being reported promptly, they let fraud happed?? who is bearing cost of such flaws in system?? taxpayers?? 

3. Response from bank on next day XX/XX/XXXX - They take 3 days to block any merchant,, BUT can allow withdrawal in one day???? - this is totally unreliable, system 4. no 24x7 customer care- if someone want to complain about fraud- it can happen any time of the day 5. it was hard to explain agent - how to look for signs of fraud - being IT guy I know these, but unfortunately, they were not. 
6. Bank have no clue who has withdrawn money, which account number, location of merchant?? 
how it is possible?? if so it very dangerous to keep money in any of XXXX XXXX?? 
7. they just have a name of merchant - XXXX XXXX XXXX XXXX which I can see online 8. since when XXXX started steeling money directly from accounts - I have to relation with XXXX, why this type of common sense alert is not in banking system??? 

9. I have yet not received any money back- bank says may take up to 10 days -- - why do i suffer on bank failure?? who will be responsible if I dafault on credit card payment, or any other due??? 


Looking forward for clarification on above points, and let me know if there safe bank exist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: ACIMA CREDIT, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
According to the IRS cancel debt ( charge off ) gross is ordinary income. Income does not get reported on your consumer report. Since income does not get reported on your consumer report a charge off is an inaccurate account and should be deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is second complaint since PNC Mortgage does not seem to understand the unfair and illegal practices. My mortgage was bought by PNC from another company. Since that time it is been my worst nightmare. I have paid all payments on time through auto pay with my bank. Since the time of purchasing this home, it has required complete renovation due to the condition of the home when purchased. Because of this need, my loan was set up such that it required PMI. With PMI comes the escrow requirement. After allowing my insurance to lapse because they did not communicate with the insurance company during the hurricane, it took my footwork, etc to correct the problem. Since that incident, my insurance will no longer be paid through the escrow. A document was sent on XX/XX/XXXX indicating PNC will no longer pay the insurance. In addition, requested having the PMI and escrow removed. PNC insists because of the 80/20 rule they can not remove the PMI and escrow. Because of their insistence, I ordered an appraisal costing over {$400.00}. It was provided to PNC proving the value was significantly higher and therefore PMI and escrow should be removed. Now they are saying despite them holding me land locked, now they will order an appraisal but I will be required to pay {$500.00}. They will not accept the appraisal which already proves the issue yet would not order one until I paid to prove they were incorrect. With all that, they are saying I owe higher payments for escrow despite insurance will no longer be paid, taxes went down because home is now homestead and value was proven higher. PNC actually owes my money back due to excess escrow for insurance. This is a shortened version, this does not include the lost payments, unable to take " partial '' payments so good luck paying off a loan early with any variance to your payments. PNC should be investigated including governmental audits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, 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:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681a ( 3 ). Equifax assumed this role without permission, and you did not have my consent. My right to privacy, which is under 15 USC 1681 ( a ) ( 4 ) has been violated.

Equifax did not exercise its grave responsibility, you were unfair, and you were partial.

I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose ( No written instruction ), as per 15 USC 1681b ( a ) ( 2 ). I never instructed Equifax to furnish this report and I never consented to the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Home Point Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home with Homepoint Financial on XX/XX/XXXX. The notary was receiving new paperwork after we had arrived for Closing, and as such I had to repeatedly call my Loan Processer, XXXX XXXX, about incorrect information in the closing paperwork. One major point of concern was that our first payment was listed as being required on XXXX XXXX, instead of XX/XX/XXXX, as I had been told by my Loan Processor and in my earlier paperwork. During my Closing, XXXX provided me confirmation - verablly and in email - to sign the documents as is and that my first payment would be due XX/XX/XXXX. This was XXXX 's email to me : " I apologize for missing your calls. Homepoint gives a 2 month cushion for the first payment. Your loan is expected to fund on the XXXX of XXXX. Since funding will not take place until XX/XX/XXXX your first payment will be due on XXXX. You will receive documentation that will confirm the first payment due date and amount. Please dont hesitate to contact me if you have any questions and/or concerns. Thank you for choosing Homepoint. XXXX  XXXX XXXX. '' On XX/XX/XXXX, I was notified by HomePoint that my first payment will be due XXXX  XXXX, XXXX and not XX/XX/XXXX as explicitly described by the Loan Processor. I called customer support on XX/XX/XXXX and was told my issue would be resolved and my payment date changed and tha I would be made aware of this outcome within 4 days. I have since contacted Customer Support via phone and email multiple times. I've reached out to my Loan Processor who is out of office and hasn't returned calls, and I've reached out to XXXX XXXX, her supervisor, who has also not returned calls or email. At this point, my payment is due on XX/XX/XXXX, which is incorrect, and I am running out of time to resolve, with no path forward with HomePoint Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Williams & Fudge, Inc
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX  put this collection on my XXXX XXXX in the past with XXXX XXXX XXXX in XXXX XXXX XXXX I called and emailed the issue directly with them as well as Consumer Finance to let you all know that I did not owe XXXXXXXX XXXX They got paid from the Department of Education in XXXX the last time I was an actual online only student. I never paid out of pocket. They only got paid from D.O.E.. When their funding stopped from thr D.O.E. for misappropriation of federal funding. The was taking to court. They lost the trial for being fradualent with the D.O.E. Asking for more money inappropriate like they have continued to do to me as well as several other students, in a last ditch effort to get more cash. Now they give the fraudulent collection to Williams and Fudge to attack my XXXX when I already gotten rid of them. In the middle of this time they have continued to call and harass me. My next step is a lawsuit for the harassment and they need to stop now. Because I won't. I care about my credit and I refuse for any lie to be on there at all. Enough is enough. I never owed them and never will. They unenrolled me in school XX/XX/XXXX after last class online without permission, ( I did not find out from till XX/XX/XXXX, when I went into my Department of Education Account, before they sent this to collections after manipulating me on phone to pay part, half or all to come back as a student. 

I have reported to XXXX, now Consumer Finance and next FTC and Williams & Fudge Collection Agency to resolve this. 

I have attached all the other CF reports I submitted. Along with the {$0.00} balance that I owe XXXX and the court news about the trial that they were involved with the list they was on with DOE to stop funding for being inappropriate and misappropriation of funding. XXXX lost and they continue to harass us students because they can not make anymore money from the D.O.E I have proven my case over and over. The collection agencies needs to be aware of the fradulant companies they are sending over collections for. I have great credit and I will not allow this to continue. I will report to all business ' that handle these situations daily till this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: VA
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:
I am a natural person. I am a living human being that have rights under 15 US 1681. Equifax is governed by the laws set therein 15 USC section 1681 by which Equifax violated. My rights of protection set forth by this code in accordance to the FCRA, has been violated numerous times. I demand the accounts listed below be removed in order to show my true credit history. I make this request pursuant to 15 USC SECTION 1681 as I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : 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 US DEPT . OF EDUCATION US DEPT. OF EDUCATION US DEPT. OF EDUCATION US DEPT. OF EDUCATION US DEPT. OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have a complaint with the company XXXX XXXX out of XXXX XXXX XXXX and Comenity natl bank. 

I received an email from a lady named XXXX from XXXX XXXX that stated that she could not give me credit for a bracelet I returned unless I made my account current with Comenity Bank. 
She stated that the bank stated to her that no payments had been received to date. 

I do not understand how she got this information from Comenity Bank. 
I called Comenity Bank and they said they did not release this information. 
This is a violation of my privacy. 
Thank you for your help XXXX XXXX

Company response to consumer: Closed with explanation