BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-14
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 fraud alerts or security freezes

Complaint:
I have attempted to freeze my credit report with experian multiple times using their website form and calling their various phone numbers. 

Each time I fill out their webform to freeze my credit ( https : //www.experian.com/ncaconline/freeze ) the result is a page that says they can not process my request and I should compile some personal documents and mail it to them. 

This is absolutely ridiculous as there is no risk to my financial health for freezing my credit file. No scammer has any incentive to freeze my credit file, just the opposite. So there is no justification for them to require me to provide further proof of identity to freeze my credit file.

Furthermore, in the text of S.2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act, credit reporting agencies are required to freeze credit reports within one day, that is impossible if they are making me mail documents to their processing center. 

I also attempted to resolve this problem on the phone with Experian, calling XXXX XXXX EXPERIAN ( XXXX XXXX XXXX XXXX ). There is no option to speak with a human on this automated system and the options do not address my problem. In fact, this system also instructs me to mail documents to their " Freeze Processing Center. '' I believe that Experian is not complying with S.2155 and creating artificial barriers to freezing credit reports. 

Attached below is the splash page from their website that tells me they can not process my credit freeze request online and must mail documents to them.

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 2018-02-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo Home Mortgage Affidavit Of Mailing on all of there notices sent out on XX/XX/2016 which was 7 notices by wells fargo home mortgage was never mailed to me at the right address at the time of notice nor were any delivered at the said address that was mailed out by wells fargo home mortgage. As I have uploaded proof from the post office was delivered to XXXX XXXX CA XXXX I never lived or had an address in XXXX XXXX CA XXXX as to why wells fargo Home Mortgage would send all the US Reg m, ail to an address that's not on file or not mine. Wells Fargo Home Mortgage violated my rights to receiving notice by sending all the notices to an XXXX XXXX CA address in which they mailed out to no reason why it was delivered to an XXXX XXXX Ca XXXX address with bad intent on there part on a serious situation that was at hand. There seems to be a lot of issues legally with the loan past and after of there practices of there mortgage loans and legally giving me notice by law. With wells fargo home mortgage its never the truth it all ways putting some paper to try to justify there self as if there a reputable bank in which we no is not. Wells fargo stay in the news for fraud or consumer fraud by them.

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 2021-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capital One has been spamming me with their ads for almost 2 weeks... often as many as 3 ads per DAY! 
Their ads do NOT have the delete or block option available ... .so I see their UNWANTED garbage and must delete each ad ... ..enough OF this already. I want those ads STOPPED... .permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX appreciate everything Wells Fargo has done for me, especially helping me re-establish a new trade line for my mortgage modification. My complaint will show that my original mortgage was procured with Wells Fargo Home Mortgage back in XX/XX/XXXX. The loan was taken over by their servicing company known as XXXX XXXX XXXX. The old mortgage is reporting on XXXX  under Wells Fargo Home Mortgage, and under XXXX XXXX XXXX with XXXX and XXXX XXXX. It makes no difference to me how it is reported as the time for its removal is upon us. All bureaus show a cut off of at least five years payment history. I believe that my original mortgage was late as far back as XXXX. In any event, the time has expired in my opinion, even though at the very latest this original mortgage would come off XX/XX/XXXX based upon both servicers showing XX/XX/XXXX as an original default date. The 7-year timeline under the Fair Credit Reporting Act applies and therefore both servicers have an obligation to remove the old account mortgage permanently.

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 2021-07-06
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:
In accordance of the Fair Credit Reporting Act ( FCRA ) : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. With subsections 604 and 605, the credit reporting agencies did not get the information of my bankruptcy from the State of Tennessee. I sent a certified signed affidavit to US bankruptcy court and asked if they shared and information with any of the three major crediting reporting agencies. They replied saying they did not give any information of my bankruptcy status to any of the three major credit bureaus and i attached a copy of that letter to another affidavit and sent one to each of the credit bureaus. I also did not express that information to be made public in any expressed written agreement or statement. The three credit reporting agencies received my bankruptcy information from public records which is legal to obtain but they are not in compliance with the Fair Credit Reporting Act to report those findings on my credit report. I also received a letter from XXXX XXXX XXXX from the law office of XXXX XXXX XXXX XXXX stating that their client XXXX XXXX XXXX XXXX XXXX has ceased collection of the account and submitted a trade line deletion request. THIS MARK STILLS SHOWS ON MY CREDIT FILE IT HAS NOT BEEN REMOVE NOR HAS MY CREDIT SCORE BEEN UPDATED TO REFLECT THAT ITEMS REMOVAL. The law office of XXXX XXXX XXXX XXXX did send a letter to the three major credit bureaus to removed it from my credit file. The Fair Credit Reporting Act states the regulation and laws that govern the three credit reporting agencies, however the misuse of personal information for financial gain harms consumers. This will be my last time filing a complaint with CFPB, I will be moving forward to a court of proper jurisdiction.

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 2018-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt collector : Portfolio Recovery Associates, LLC Amount : {$860.00} Account number : XXXX Fraudulent account opened by a family member in my name when I was XXXX/XXXX years old. I am now almost XXXX and have been battling to have this unauthorized/fraudulent account removed from my credit report since I was XXXX. Originally creditor was XXXX XXXX. 
I have submitted fraud affidavit paperwork requested by PRA twice and in return they send me letters claiming the debt is valid and include a statement for the account from XX/XX/2012. 
I was married right after I turned XXXX and gave never opened up a line of credit in my maiden name. 
PRA has not validated this debt once in the entirety of their collection efforts, they send the last bill given to them via XXXX XXXX and say it's validated. They have not investigated this account and I've disputed it more times than I can count and they refuse to budge. They have once again sent me another fraud affidavit as well as another copy of the final statement from this account. 
It is causing wrongful damage to my Fico credit reports and scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: Incomm Holdings Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I bought this XXXX  XXXX loaded it with {$100.00} to use for my friend that's in jail. So I logged in to the account there with this card and I made two payments {$5.00} at a time well I got a thing email telling me that I need to add more money so after looking at the history on the card there's a bunch of charges on it. well un authorized. I called probably hadn't been 10 days since they happen and I sent them what they wanted three days later I get a XXXX. XXXX Credit in my account but the {$82.00} wasn't and so they tell me they made their decision I can't dispute it I can't do anything about it what they say is final I tell him I want what proof I hear different stories no one will give me proof they keep sending me in circles and now a little bit of money I had on their {$2.00} they won't give it to me that got my card. Who I am I've proved who I am when I got the card I'm not going to do it now and I'm not giving me my money I don't trust them will you please help me I'm on XXXX and I can't afford to lose my money and they won't let me talk to you tonight I can't do anything my hands are tied to tell me they don't have to give me my money back it's their decision but they gave me the dollar XXXX that was something that was done online but the store charges the girl said there was a pen used soap in been used there's a lot you know how somebody got it since I just got that card and nobody knew what my pain would be I didn't use the same one I used with anything else and one store I went to and there wasn't they told me they gave me the receipt to it it was raining as credit I want my money please help me or tell me where I need to go these people should be investigated this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
A hard Inquiry was placed on my Credit Reports by these companies without my knowledge. 

XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX. Llc on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX Jpmcb- Card service on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I think Citizens bank needs to be examined for unfair and deceptive trade practices. I recently set up a recurring automatic payment to come out of my account to pay my mom 's assisted living rent each month. I set it up online through Citizens using their online bill payment functionality to come out of the account on the XXXX of each month beginning XXXX/XXXX/15. I also set up to get a reminder email too. Well to my surprise I got the reminder email yesterday XXXX/XXXX/15 stating that they were processing it yesterday and that the estimated delivery date per their experience with XXXX XXXX was XXXX/XXXX/15. The payment would be sent out via Mail since XXXX XXXX is not set up to electronically receive payments. Panic set in after getting this email since my mom 's XXXX check is not directly deposited until XXXX/XXXX/15 so if XXXX XXXX happens to get the check prior to that date it will bounce and fees will be assessed by both XXXX XXXX and the bank. This is unfair and deceptive since all the labels on the screens I filled in on Citizen 's website list the send date as XXXX/XXXX/15 and payment date as XXXX/XXXX/15. Sounds to me like Citizen 's has a big fee maker going on. I wonder how many consumers have had to be bounced check fees because of this practice. They need to change their program to include at a minimum a send date and a due date like other financial institutions. I have attached exhibits to support my claim. I called the bank customer service for something else and brought up the subject and they put a note on the file. The confirmation number for that note is XXXX dated XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I've made all of my payments in full with the exception of 2 times. The wrong bank account was linked to my Amazon synchrony credit card, I tried to delete the bank account via the Amazon payment app but it would not allow me to do so since a payment was pending. My account was closed after the 2nd " dishonorable payment '' .Throughout my time with this credit card fraudulent activity was reported by me as well as over charging my account followed by returning the funds that were charged twice. I proceeded to speak with a customer service agent at Amazon synchrony and she was terribly rude and impatient. As a customer who makes all of their payments I was offended to be thrown into a category of irresponsibility by an account manager. Her name was XXXX, badge # XXXX. After an 8-10 minute wait I was transferred to another gentleman who was extremely professional and helpful. I did ask to make s formal complaint, and he said he could take my complaint. I was not very comfortable with that since he is an account manager and not in a human resources position. As a customer i felt cornered and helpless.Unfortunately I didn't feel that my case was going to have a thorough and fair review so I am reaching out for help. I take great pride in paying my debts and my credit history should reflect that.

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 2021-07-12
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately : -CREDIT ACCEPTANCE CORP # XXXX -XXXX XXXXXXXX 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 2022-08-16
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:
There is a XXXX XXXX account listed on my credit report erroneously. Each bureau reports a different date last active. 

XXXX is reporting acitivity under the payment history while reporting it charged-off and they also report the date last active as current ( XX/XX/XXXX ) which means it's illegally re-aged XXXX reports the the date last active as XX/XX/XXXX. That means the account is illegally re-aged. Experian reports hte date last active as XX/XX/XXXX. 

if this account has really been verified they would all be reporting the same information and also be reporting the correct way but it's completely not correct and it's violating the FCRA on every level.

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 2022-08-16
Company: Experian Information Solutions Inc.
State: MD
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:
THE FOLLOWING ACCOUNTS ARE FRAUDULENT I WANT THEM BLOCKED AND REMOVED FROM MY CONSUMER REPORT I DID NOT GIVE MY WRITTEN CONSENT TO FURNISH ANY NEGATIVE AND FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT UPON MY RIGHTS PURSUANT TO 15 USC 1681 ( B ) AND THE GRAMM-LEACH BILLEY ACT I AM DEMANDING THESE ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT EXPERIAN : XXXX ACCOUNT XXXX XXXX DATE OPENED XX/XX/XXXXXXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XX/XX/XXXXXXXX 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
Consumer complaint received 2019-08-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We want Sps mortgage inc investegated you are the servicer on our mortgage. Our loan was originated back in XX/XX/XXXX. We are victims of a predatory loan. We were misrepresented by the mortgage broker and by XXXX XXXX when this loan was originated. We have reviewed our loan with specialist in the industry and there was fraud on documents from the mortgage broker to the banks and forgery on loan documents and disclosures. Since this loan was originated this loan has been passed along from XXXX XXXX, to XXXX XXXX and now Sps mortgage inc. We also have checked with title specilist and Sps does not hold legal title on our home properly to foreclose on our home since title recording on purchase date and from all the loan transfers from bank to bank .The title chain is broken and not correct. We are victims of predatory lending and now we are stuck with a toxic loan, Due to all these greedy large banks and corporations trying to maximize profits on homeowners that got these toxic loans. We want to hold these corporations accountable for the problems you have caused to our family. We have tried to work with sps over and over to fix our toxic loan and it just seams to fall on deaf ears. We will continue to defend our home until there is a fix on our mortgage.

Stop foreclosure activity on our home and fix our mortgage.

fix our toxic mortgage.

lower our principal balance / balance started at XXXX k now over 690k.

bring our account current fix this ridiculas wrong toxic loan.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX  acct # XXXX XX/XX/XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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