BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/XXXX, I obtained a copy of my credit report from Experian. After attempting to update my personal information that was reporting inaccurately, I received results in the mail from Experian dated XX/XX/XXXX. None of my personal information was updated, nevertheless, I noticed several accounts were reporting inaccurately and I knew specific accounts reporting was not mine. On my XX/XX/XXXX copy of my report, XXXX was reporting an account number consisting of 12 digits which I knew was inaccurate. However, I noticed that the account number was changed from 12 digits to 16 digits. I also noticed that XXXX was reporting an account number consisting of 12 digits and I noticed that the account number was changed from 12 digits to 16 digits on my XX/XX/XXXX credit report. After disputing my personal information a second time, on XX/XX/XXXX, I disputed four inaccurate accounts which were XXXX, XXXX, XXXX AND XXXX with Experian via U.SXXXX certified mail. Experian sent results in the mail dated XX/XX/XXXX deleting the XXXX  account and claiming to have verified the XXXX, XXXX and XXXX accounts. On XX/XX/XXXX, I sent Experian a letter requesting for a re-investigation to be done on the verified accounts by providing actual proof ( i.e., a note, contract, instrument ) for the alleged verified accounts. On XX/XX/XXXX and XX/XX/XXXX, Experian responded and refused to provide actual proof as to how they verified the accounts. Their response letters just stated that the accounts were verified. Experian completely disregarded my dispute and just sent the same generic computerized verification response as they did my previous request. Due to Experian failure to properly investigate my dispute and remove the disputed accounts, it's causing unverifiable derogatory statuses to reflect on my credit report which is having a negative effect on my credit report score and will be injurious to me in the very near future. XXXX deleted the accounts from my report because they were not verifiable.

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 2017-09-18
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The XXXX data breach and the need to check everything to prevent theft of my information has been OVERWHELMING for me! According to XXXX 's website " Potential Impact '' my information may be impacted ( or XXXX ) might be more appropriate. I have been unable to put a fraud alert or freeze with any of the 3 credit bureaus, as apparently no websites can handle the volume of people trying to do the same. We are all just XXXX, right?

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 2020-05-28
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was setting up my checking account with a program called XXXX   XXXX, created by XXXX which sues robocallers. But while connecting my account, I got the following error message : PNC Bank has made a change that prevents you from being able to link your accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: MRS BPO, LLC
State: NY
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:
Hello, I made an agreement to pay off a debt with XXXX with the company mrsassoc. I pay them {$500.00} every month automatically pulled out of my account on the XXXX. Its only the XXXX and XXXX all of a sudden dinged me for not paying XXXX. 1. I pay the debt collector not XXXX 2. The money automally pulled 3. It dropped my score XXXX points and Im closing on a house next month I paid off all my debt to help my credit and they just ding my account like that?! I havent missed a payment again I pay every month automatically have it taken out. Please help me ASAP

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
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:
The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
8. This account was paid and also the date last active is inaccurate it cant be XXXX different dates there are so many inconsistencies across the bureaus XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
9. This account was paid and also the date last active is inaccurate it cant be 3 different dates there are so many inconsistencies across the bureaus XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
10. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX XXXX XXXX XXXX XXXX XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

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 2018-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Credit was ran without permission for a hard hit. XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Coorrespondence was XXXX XXXX PHH CEO XXXX XXXX, for assistance regarding the payoff balance described in a XX/XX/XXXX PO notice. The current PO balance is {$450000.00}, The original balance was {$450000.00} in XXXX, There is zero credit for 15 years ( 180 mos ) of making payments. There have been missed payments due to a bankruptcy in XXXX and the reduced work ability resulting from my XXXX diagnosis with XXXX  XXXX and my earning ability is now further impacted by the COVID 19 pandemic. 

The loan was originated in XXXX, with an original principle balance of {$450000.00}, with a 30 year term at 4 % interest rate. Based on those terms, the loan would have had an amortized balance at month 132 ( XXXX - XXXX ) of XXXX, plus missed payments at the time a modification was executed in XXXX Based on the XXXX Home Affordable Modification Agreement ( HAMA ) with Ocwen Loan Servcing LLC, the then existing principle was adjusted to a new balance of XXXX. ( a ) What was the existing calculated principle balance a time of modification? ( b ) how much was added to the principle balance? Is there a payment history record from XXXX to XXXX from the original servicer, XXXX XXXX? Also, I was never provided a dated, lender/servicer signed HAMA document

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions 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:
I see ample amount of account showing on my credit report that I have never opened

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 2018-04-27
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX S Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks XXXX XXXX   Inquiry : XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry : XX/XX/XXXX Never gave permission to run my credit, I was never asked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: South Mississippi Collection Services Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on the XXXX of XXXX, i notice some collections from SOUTH MISS COLLECTION ON MY CREDIT REPORT WITH ALLEGED BALANCES OF:XXXX, AND XXXX THAT I DO NOT OWE.I SENT THEM 3 LETTERS ON XX/XX/2020 REQUESTING FOR INFORMATION CONCERNING THOSE DEBTS.I HAVEN'T RECEIVED ANY AS OF YET AND I ALSO ATTACHED COPIES BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I recently applied for credit and i noticed that this credit card reported a late payment in XX/XX/2019. As a 30 day late pay. I do not agree with this at all. I do not recall ever paying late especially over 30 days late. I demand they immediately remove this erroneous late pay from my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: CA
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:
Experian and XXXX are reporting a chapter XXXX bankruptcy but Experian is showing a XX/XX/XXXX discharge and XXXX  is showing a XX/XX/XXXX filing. Neither is accurate. I dont have a discharge or a filed open bankruptcy. I went to the court and saw this information is not true. The clerk of the court said they do not give that info to the agencies either. Both companies said the saw on XXXX  XXXX. I complained to XXXX  XXXX, they changed it and recommended I freeze my file. I did last year. Both agencies have not removed. I even sent a copy of my XXXX  file to them showing it is not on there. They are still quoting the XXXX XXXX  file, I have demanded they forwarded me a copy of that report, they have not

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 2019-10-30
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Started with XXXX in XX/XX/XXXX. I had a XXXX XXXX and I was advice to slowdown working. 
I was working for XXXX in XXXX XXXX XXXX XXXX. I was granted my XXXX on XX/XX/XXXX. 
My next goal was to the XXXX in XXXX on XXXX XXXX, granted on XX/XX/XXXX. 
The next was rectification for XXXX XXXX on granted on XXXX. 
XXXX XXXX XXXX XXXX. 

When I completed my education working on the documents listed. I started my education XX/XX/XXXX through XX/XX/XXXX. My work was after work hours. 

NAVIENT bought my education work. I was advice by NAVIENT that I had approximate {$31000.00} of work that I was to complete. XXXX advised me that I had no payments. Not sure they had any time or work to complete. I am a XXXX XXXX XXXX veteran. 

I am veteran with XXXX due the XXXX XXXX XXXX with a XXXX and I am with XXXX  problems. I am not working now and I was out of for 15 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I haven't received an update weekly payment, I need my ID verified so my money will come in my way 2 go accout was disabled

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a business account with Wells Fargo that includes 2 checking accounts and 3 credit card accounts. 

To complete XXXX taxes our accountant needs the credit card transactions for XXXX - XX/XX/XXXX in a format that can be imported by his accounting software ( e.g. 
csv format ). 

Logging into Wells Fargo 's on-line system we are able to view all accounts on-line. 
There is an option to retrieve transactions both as pdf statements as well as csv files, when that format is required. 

We have tried to retrieve the csv files for the 3 credit cards on that account for transactions from XX/XX/XXXX to end of XX/XX/XXXX. When the downloads complete the only data provided is for XX/XX/XXXX up to the current date. 

After calling Wells Fargo to complain about this issue we are told that those transactions are no longer available and the only information available to us are the pdf files which cover all of XXXX. 

It it is inconceivable that Wells Fargo deletes credit card transactions more than 5 months old from its database, which is what we were told. 

This appears to be a matter of Wells Fargo instituting an arbitrary cut-off period for which it generates the csv data required by its customers for the previous year. 

Many individual 's would likely need that information for tax purposes and having someone renter the data from the pdf files that Wells Fargo makes available is costly and time consuming. 

We would appreciate CFPB 's view on this matter. 

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
Consumer complaint received 2023-01-26
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: Information belongs to someone else

Complaint:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 -EXPERIAN XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. ''

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. ''

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 2020-12-12
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Since mid XXXX I've been in distress due to Fico dropping more score drastically from wrong information being reported. It's being reported that I have a 60 day delinquency which I don't. I believe it's that way due to me being in forbearance with my mortgage ( I'm out now ) a comment was put on my account which stated " partial payment agreement ''. every since then fico has been reporting that I have a 60+ day delinquency. This matter is stopping me from moving forward with my finances, business etc. I DO NOT have any delinquency so I need this fixed as soon as possible. What they're reporting is COMPLETELY inaccurate and should be fixed immediately. I will be attaching where it's being reported that I missed a payment.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2018-10-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a business account with Wells Fargo Acct # XXXX We deposited a tenant 's check on Thurs. XX/XX/2018 of {$5600.00}. 

Below details from Wells Fargo online : Deposit Details Deposit Summary Category Amount Checks ( 1 item ) {$5600.00} Deposited Items Checks Item # sorted in ascending order Banksorted in descending order Account # sorted in descending order Check # Amountsorted in descending order XXXX XXXX XXXX ... XXXX   XXXXCheck image {$5600.00} Total Checks {$5600.00} On the following day they showed the funds with a hold. I contacted them and they said the funds were insufficient and would hold till XX/XX/XXXX to see if they become available. 

Below is a link with a jpg from the check issuer 's bank showing the check was cleared in his bank on XX/XX/18. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If it did clear why do they hold the funds? 
And if not in the past the bank would try to redeposit the following day and if still uncollected would mail check back to us. 
So we could try to collect a new check. 
Now they say they say they hold 11 days to see if the funds become available. 
Yet we spoke to them yesterday the XX/XX/XXXX and after threatening to file this complaint they decided to waive the hold time of 11 days and made the funds available as of the original deposit date of the XX/XX/XXXX. I believe based on the proof sent to my tenant from XXXX XXXX   that they've had the funds all along and have this unlawful practice of withholding the funds. 
Lets say the funds were not good in 11 days why hold the check that long and give us less chance of obtaining a new check. 
This is the second time we've had this type of situation with Wells Fargo. 
With another business account if a check does not fund on a second try they debit the deposited amount and immediately return the check for collection. 

If you need to call me I can be reached at XXXX. 

Thanks, 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