BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-31
Company: Opportunity Financial, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was notified back XX/XX/2017 that XXXX XXXX was fraudulently opened in my name and reporting to my credit reports. I am a victim of Identity Theft and immediately put a fraud dispute in with a copy of my identity theft police report with all 3 credit bureaus '. XXXX is the only bureau that has yet to remove XXXX XXXX from my credit report due to fraud. According to XXXX, XXXX XXXX is verifying an account with my name, address, DOB and last 4 of SS. That is all information that could be used when one is a victim of Identity Theft. XXXX XXXX has been notified that this account is due to fraud and was never authorized by me to be opened. XXXX XXXX has failed to provide a contract with my SIGNED signature showing proof that I am the one that authorized this account to be opened. I have an open BBB complaint against XXXX  and against XXXX XXXX. I have also filed a CFPB complaint against XXXX. I have sent another copy of my Identity Theft police report certified mail to XXXX XXXX along with a 609 letter. XXXX XXXX is inaccurately reporting a fraudulent account to my credit file & because of this inaccurate information, I have been denied credit for a home as well as other credit that I'm trying to obtain. This account needs to be removed from my XXXX report immediately due to me not authorizing the account to ever be opened and it was done as a result of me being a victim of Identity Theft. XXXX XXXX is providing verification to XXXX   that an account does exist using my name, address and DOB. However anyone can easily access that information on the internet and or phonebook. By law to validate this debt is actually mine, XXXX XXXX needs to provide an original contract with a signed signature by me. For the last 6 months, XXXX XXXX hasn't been able to provide an original contract with my SIGNED signature, therefore XXXX XXXX   is in violation of FCRA section 609 ( a ) ( 1 ) ( A ). XXXX XXXX needs to immediately remove this fraudulent account from my XXXX credit report or I will pursue all legal matters if necessary to enforce my rights under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: DISCOVER BANK
State: AZ
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:
Discover Financial Services is reporting each month that I am at 98 % of my credit limit, yet they charged off this account in XX/XX/2016. Discover sent me a tax statement that they sent to the Federal Government that states this amount is no longer on my account, yet they continue to report this to all three credit agencies every month. 

This has resulted in an incorrect reporting of my account to Discover. I do not have an open account with a balance at 98 % of my limit with Discover, they closed the account in 2016, and charged off the amount, receiving a credit on their Corporate taxes in the full amount they claim I still owe them each month. 

Discover is incorrectly reporting the status of this account, and it should be immediately changed. My credit report reflects again this month that my balance in 98 % of my limit. How can I be at 98 % of my credit limit when there is not longer an account open? How can Discover claim an amount that they charged off and received credit for by the Internal Revenue Service of the United States? 

I want Discover to change this notification to my credit report that states the amount was charged off in XX/XX/2016, and that there is no longer a balance owed on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: MI
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:
Hello, i recently sent in a ftc report regarding fraudulent accounts and inquires and they have been deleted from XXXX and Equifax but XXXX hasnt done so yet just placed extended fraud alert with closed account ( XXXX XXXX ). also one of the fraud account ( XXXX XXXX ) had late payments report after the fact of me sending the ftc report in and the account being closed and removed. I have called and faxed over my ftc report XXXX XXXX was removed then put back on with late payments and XXXX XXXX was removed from XXXX and Equifax but just says closed on XXXX they still haven't updated it. please remove the late payment from XXXX XXXX account and remove account closed accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hard inquiries that I did not make and ask to be removed I could not do it online because its asking me to. Pay and over the phone. I got hung up on and told to mail with TransUnion XXXX did not help me at all even though they had a recent security breach

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 2020-04-26
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was laid off due to Corona Virus. As such I proactively called Wells Fargo on XXXX  XXXX and was given a 90 day deferment on my mortgage. I was told that the loan payments would be added to the end of my loan and that I would not be past due or have any negative impact as a result of the deferment. My next payment was not to be due until XXXX XXXX.

Today when I checked my mail I received a statement from Wells Fargo showing I am more than 30 days past due and that I have two mortgage payments due. I called Wells Fargo but they were closed. I was routed to an automated system that recognized that I was past due and instructed me to be enrolled into a COV-19 process that told me " They were here for me '' and could help me but I would have to make up any payments I missed up front before my loan went back to normal. This is not what I agreed to on the phone with the agent earlier in the month. 

Wells Fargo offered me one thing and then changed the offer after I agreed to it without telling me what it was. As a result my credit is going to be impacted and I am being taken advantage of while the entire country is under a stay at home warning. This is predatory and should NOT be allowed.

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 2021-10-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
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: Personal information incorrect

Complaint:
Im in the process of purchasing my home. My XXXX credit doesnt populate with my social security number for Experian. When I called on XX/XX/XXXX I was told it would be fixed in 3-5 days. Ct : supervisor XXXX - XXXX ticket : XXXX. I called again XX/XX/XXXX ct : XXXX was assured support ticket had been closed. All issues resolved. Attempted again XX/XX/XXXX to pull XXXX and again XXXX for my social. Called Experian again. First contact found the issue. Transferred me to customer service where the rep has instructed to upload : DL SS and proof of mailing address - all uploaded. And another wait for 3-5 days. Im about to lose my {$20000.00} escrow deposit and I still have no guarantee that my credit report issue will be resolved. When I requested a supervisor- I was left on hold for an 1 hour and 16 minutes because she didnt want to put a supervisor on the line. 
This is extremely frustrating because there is no one to complain to. No one wants to get the problem solved and XXXX cant close on my house without it. 
So who protects the little person????? 
Experian is where customer service goes to die. This is insanity and exasperating

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 2020-04-26
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: Account information incorrect

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX & XXXX Account XXXX XXXX Creditor : XXXX XXXX.- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX- Account : XXXX Creditor : 09 XXXX XXXX XXXX XXXX XXXX XXXX- Account : XXXX Creditor : 11 XXXX XXXX   XXXX Account : XXXX Creditor : 11 XXXX- Account : XXXX Creditor : 12 XXXX  XXXX- Account : XXXX This is a formal notice that your claim is disputed . I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2021-10-26
Company: LEXISNEXIS
State: OH
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 XXXX XXXX XXXX 's privacy has been continuously violated. LEXISNEXIS has lied to me about verifying information that can not be verified. LEXISNEXIS did not conduct an investigation of consumers dispute pursuant to 15 USC 1681 ( a ) ( e ). [ The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. ]. Who was questioned about consumers " GENERAL REPUTATION, PERSONAL CHARACTERISTICS. what neighbors where interviewed? LEXISNEXIS is lying and knowingly and willingly violating consumers federally protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: SYNCHRONY FINANCIAL
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX and XX/XX/2018 for 30 days late???? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2019-09-08
Company: CITIBANK, N.A.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 for 30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 monetary relief
Consumer complaint received 2021-09-20
Company: EQUIFAX, 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:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I'm behind on my Capital One credit card payments and they keep calling me even though I told them I'm trying. I just made a {$200.00} payment to them last week. Today, XX/XX/XXXX, they called me at XXXX XXXX on a Sunday morning while I was at church

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX & XXXX Account XXXX XXXX Creditor : XXXX, XXXX.- Account : XXXX Creditor : XXXX  XXXX  XXXX- Account : XXXX Creditor XXXX XXXX  XXXX   XXXX- Account : XXXX Creditor : XXXX  XXXX  XXXX- Account : XXXX Creditor XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX- Account : XXXX Creditor : XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX- Account : XXXX Creditor : XXXX  XXXX  XXXX   XXXX Account : XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX  XXXX  XXXX- Account : XXXX This is a formal notice that your claim is disputed . I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: PNC Bank N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
It is XX/XX/20. I am trying to link my pnc bank account with this XXXX. I am trying to start this investment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Resurgent Capital Services L.P.
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: Account status incorrect

Complaint:
this account is showing as open on my credit report when its been settled by full payment on XX/XX/2020 in the amount of XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage loan with Amerisave Mortgage corporation on my house. They collect taxes and home owners insurance money with my payment as escrow. This XXXX 2017 I changed my insurance company and the bill is directly send to mortgage company for payment. They mailed the payment to some wrong address and the insurance company is going to cancel my coverage. I contacted the mortgage company via phone, email and fax and they are not responding to my inquiries so far. I send them the correct information where the payment should be send. But they are not responding to any of my inquiries. 

I want them to contact the insurance company directly and solve this issue before it is too late. Also I want this company to contact their customer once an inquiry such as this made, instead of going through these type complaints. 

All the relevant information on the loan / insurance are in the attached documents.

Company response to consumer: Closed with explanation