BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-11
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Hello, I have written to Experian three times about an address that is reporting on my credit report that does not belong to me. I have never lived at this address : XXXX XXXX XXXX, XXXX IL XXXX ]. Experian claims that they have verified the address via public records, however, I have personally contacted ALL of my past creditors and not one has stated that they reported this address. I want the address deleted asap. I have never lived at this address. It belongs to someone else with a similar name. Not me.

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 2019-08-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I reached out to the FTC and to my local police department. These items need to be deleted from credit report 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, and XXXX XXXX. I am doing all of this on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a third party company Ability recovery service that is trying to collect for XXXX University. I attended XXXX University from XX/XX/XXXX-XX/XX/XXXX for a XXXX XXXX. I recieved full Financial Aid that was provided by the United States Department of Education. I had an ECC : of XXXX which is how much I could contribute to my education. I recieved 100 % subsidized and and unsubsized student loans. The money goes directly to the school and when I withdrew. They are claiming that I owe over XXXX. I am current paying on my student loans.

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 2017-04-04
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX and Speedy Cash sent in a collection that is not mine. My SS and my daughter SS was taken. I never was verified in writing of this debt and needs to taken off the report Thursday XX/XX/XXXX I was called a man name XXXX stating he was coming to my home and serving me in XXXX County. He used abuse language and he was coming to my home. I called the police. This is also an illegal and possible civil suit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
every day for over 2 weeks i get a call at XXXX from best buy Citibank card asking if I am someone else. I don't have a best buy card nor do I bank at Citibank.

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 2023-04-22
Company: Experian Information Solutions Inc.
State: FL
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:
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 XXXX ACCT # XXXX Account name : XXXX XXXX ACCT # XXXX Account name : XXXX XXXX ACCT # 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 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 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After i reviewed my credit report, I noticed several fraudulent accounts.

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 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
NOT MY ACCOUNT I AM NOT AN AUTHORIZED USER ON THIS ACCOUNT {$5200.00} XXXX XXXX XXXX Current Last Updated : XX/XX/XXXX Credit Usage You're currently using 106 % of your credit limit. 

30 % ( Stay below ) 106 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$5000.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Current Past Due Amount -- Highest Balance {$5600.00} Monthly Payment {$100.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms XXXX Remarks -- Creditor Name XXXX XXXX XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX VA 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 non-monetary relief
Consumer complaint received 2021-01-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Previously applied for loan modification thru XXXX XXXX XXXX due to co owner Mothers sudden transition. 
Followed all XXXX XXXX XXXX instructions XXXX XXXX XXXX suddenly started foreclosure during modification and would not permit borrower to submit payments Borrower contacted Consumer complaint which forced XXXX XXXX XXXX to launch exhaustive investigation. Recordings found because borrower had dates and times names. 
In the interim XXXX XXXX XXXX pursued foreclosures replete with foreclosure notices on door. 
Result was an apology letter from XXXX XXXX XXXX removing missed payments from credit reporting agencys and one mortgage payment made by them.

Next at inception of Covid cares act borrower contacted XXXX for three month deferral Cares act request on back end of loan It was approved via phone. 

However at this time borrower noticed maturity date was changed to a longer date. 
Borrower contacted XXXX XXXX XXXX executive offices. Borrower was told by representative maturity date was changed due to modification. Borrower explained to representative that a modification was never processed & agreed XXXX XXXX XXXX had no proof of signature about changed maturity date. 
Borrower explained to representative that an apology letter was granted. He cited he would follow up and did not. 

Next action that occurred was XXXX XXXX XXXX sold mortgage to SPS without informing borrower. 

Borrower found out when confirming payment and cares act deferral Borrower contacted SPS Told SPS about the maturity date error and the approval for cares act for deferral on back end of loan for three months Sps cited it would take months to discover and denied requests for Cares act approved by XXXX XXXX XXXX Borrower was impacted by Covid thus seeked assistance from other organisations. 
XXXX XXXX assisted with mortgage payments. 

Next incident was XX/XX/XXXX Borrower was told via call payment of over XXXX XXXX dollars was made and no mortgage was due until XX/XX/XXXX In the interim SPS sent borrower statements In XXXX & XXXX reflecting no payment due to XX/XX/XXXX. 

On XXXX XXXX borrower received letters from SPS citing SPS had made several attempts to contact borrower. The lettters were dated XX/XX/XXXX & XX/XX/XXXX. 
These letters were not true. 
These were first attempts The letters stated payments were past due and borrower had to XXXX XXXX to pay or foreclosure would start When borrower contacted SPS via phone was told by representative that SPS made errors and placed money on wrong account and borrower had to XXXX XXXX to pay all mortgages or foreclosure would occur This is not borrowers fault Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have requested the consumer reporting agencies to change the status of the XXXX XXXX XXXX XXXX account to closed/never late due to First Investors XXXX XXXX failing to comply with 15 U.S. Code 1666b ( a ) and 15 U.S. Code 1681s2 ( 7 ) ( A ) ( i ). The consumer reporting agencies have failed to update the status and the consumer reporting agencies have failed to comply with 15 U.S. Code 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 you responded to : 1 ) my inquiry dated XX/XX/2020 stating i asked one question 2 ) my inquiry dated XX/XX/2020 stating i asked XXXX questions 3 ) my inquiry dated XX/XX/2020 stating i asked two questions 4 ) 3 ) my inquiry dated XX/XX/2020 stating i asked two questions Did you receive these inquiries through CFPB? i have no record of these inquiries please send copies of my inquiries, and copies of the 5 day letter you send me upon receipt of these inquiries according to 1024.36 ( c )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Due to my undoing battle with fraud on my name and social security number a fraud alert has been placed on my Transunion report, however a fraud alert does not stop one from gaining access and pulling my report, therefore inquires keep accumulating on my report and not for the things I applied for ... I have reached out to these companies as well as Transunion they told me contact Transunion, I have sent at lease 4 letters asking Transunion to verify 13 of the 18 inquiries on my credit report and they have failed to do the investigation and they are trying to play a game of sending me irrelevant replies saying this is to let you know how inquires are placed, or this is the answer to your question, I did not ask a question I sent a dispute clearly a stall tactic no investigation done and trying to not investigate my inquiries

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 2019-03-18
Company: ENCORE CAPITAL GROUP INC.
State: OH
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 have a unverified account from MIDLAND FUNDING LLC. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that MIDLAND FUNDING LLC Cease and Desist all further communications. MIDLAND FUNDING LLC needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., they are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against them with the Federal Trade Commission, the Attorney General of both their state and mine, and also their own company management. I also have the right to file suit against them for any future violations of this law. I will record any and all phone calls if they fail to comply with this CEASE AND DESIST.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-06
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have several checking accounts with Citibank. In XXXX 2020, Citibank changed the title and Social Security number on several of those accounts without my notification. I did not sign any form, or authorized anyone to make these changes. Furthermore, the title of the accounts that were under my name were changed to that of my late wife 's trust name. The Social Security was changed from my individual to my late wife 's individual Social Security prior to her death ( that Social Security is no longer valid and her trust as an XXXX number ). I realized that these changes had been made in late XXXX when I called to inquire about a returned check. In that conversation, the bank representative asked me to verify my identity. I was unable to do this since at that moment I was unaware of these changes. After realizing that these changes made unilaterally by Citibank were made I contacted multiple reps of Citibank and was eventually directed to go in person to a branch. When I met with a representative at a Citibank branch in late XXXX. The branch representative ( XXXX XXXX XXXX XXXX  XXXX  XXXX  in XXXX - XXXX XXXX ) confirmed that these changes have been made and acknowledged these errors. Since late XX/XX/2020, Citibank has been unable to correct these mistakes and Citibank is still attempting to trace how these unauthorized changes took place. I believe that it is unacceptable that : a ) these significant changes happened without my authorization or involvement, or without Citibank 's knowledge ( changing the title and the Social Security for several checking account is a major breach of security ) ; b ) The tracing of these changes has been unsuccessful and remains unknown ; c ) about 45 days have passed with no resolution. Obviously, I have lost total trust in Citibank and I have proceeded to open a checking accounts with XXXX. This has involved significant effort and time, and inconvenience. I wonder and worry if this has not just happened to me but that there might be other clients affected and both the clients and Citibank being clueless about this.

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 2023-04-22
Company: EQUIFAX, INC.
State: AL
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 have fraudulent inquires on my Equifax credit report and I called in to report them. They were very inconsiderate. They refused to acknowledge they were fraud. I asked to speak with a supervisor. The agent in XXXX stated there was no supervisor available. I asked for a callback. They said they dont do outbound calls. What kind of establishment is this? This agency plays a very important role in our lives at it is supposed to report and correct inaccurate and fraudulent activity. The only thing she said I could do was mail or fax a copy of my SSN which I am not comfortable doing and mailing my police report to them stating what inquires were fraudulent. I have filed a police report, and I have a case number. I will not Fax or send in the mail a copy of my SSN. Theres not a single person who works in finance that would recommend anybody do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
OnXX/XX/2017, I send XXXX a dispute letter to take off the current bankruptcy on my credit report. XXXX responded back to me saying XXXX  Bankruptcy Court reply back verifying this bankruptcy on my credit report. And then I sent a 2nd dispute letter onXX/XX/2017. After that XXXX again sent a letter saying the bankruptcy court again verified this on my account. This is clearly a violation under Fair Credit Report Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Again, PHH Mortgage Services ( XXXX ) refuses to provide me the itemization I have requested! Once again, I am requesting an itemized accounting totaling {$40000.00} ; which is the amount PHH Mortgage Services ( Ocwen ) charged me when I refinanced my mortgage in XXXX after 29 years of mortgage payments. I purchased my home in XXXX for {$46000.00} ( 30 year mortgage ) and PHH Mortgage Services only credited my mortgage {$6000.00} after 29 years of payments! Please send an itemized accounting of the one-time payment totaling {$40000.00} that I paid in XXXX. DO NOT SEND ANOTHER PAYMENT RECONCILIATION HISTORY! Send me the specific itemization I am asking for. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Palm Beach Credit Adjustors, Inc
State: FL
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 Report Act Convergent, XXXX, Creditor : 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 an account without my written instructions. 

Based knowledge, I don't owe this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Bread Financial Holdings, Inc.
State: MT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid my account monthly like I always do in XXXX and XXXX to Victorias Secret comenity bank. I Received a payment reminder in XXXX that the account is current and the minimum payment is due. Everything on my statement said my account was current. I received a phone call XX/XX/XXXX stating I haven't made a payment since XXXX. The electronic correspondence said nothing being past due. I Called to find out what was going on and the payment I made in XXXX was trying to pull from a bank that was not mine. I have no affiliation with XXXX XXXX. Therefore I would not receive a phone call from my bank to let me know because this bank is not mine. If any problems happen with my bank, XXXX XXXX, I would be notified. The person who took my phone call also thought this was odd and probably a mistake on their behalf and was going to put it into a dispute status. She never filed. I called to find out status of the dispute and the gentleman said it was removed and they would credit a late payment. Went to check my report 15 days later and it was not removed. I submitted another dispute. At this moment I have tried to dispute this 3 times and this last time actually made my report worse? They removed the 60 days past due in the second dispute and it reappears on the status today. This is an error on comenity banks behalf and there was no correspondence That my account was late. All correspondence up to XXXX statement said the account was current. I want this off my credit report for I find no error on my behalf. I was told on the first dispute it would be removed. After it was not as promised I have disputed three times. I have been trying to work on this for almost 75 days! Please help!

Company response to consumer: Closed with non-monetary relief