BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-07
Company: Experian Information Solutions Inc.
State: PA
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:
Accounts were reported as late the month that they were consolidated. They were in administrative review until that time, then in XX/XX/XXXX all of them were marked 90 days late and closed to open the newly consolidated account. I have had trouble purchasing a home because of these XXXX XXXX late marks. 

I have disputed it many times but they say they didn't report it late and can not see my credit report even though I submitted it to them in XX/XX/XXXX. 

1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4.XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX 9. XX/XX/XXXX 10. XX/XX/XXXX 11. XX/XX/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 2018-03-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This has been an ongoing thing since XX/XX/XXXX when I split up with my now ex-husband XXXX XXXX XXXX he stoled my safe with my social security card ID passport and IDs passports and social security card and birth certificates of my children as well as myself then. In XX/XX/XXXX my purse was stolen that was my second identity theft but those people were caught and prosecuted then my Third identity theft XXXX XXXX found me again in XXXX Pennsylvania back in XX/XX/XXXX broke into my apartment and wrecked it to steal my identity again and now this is the fourth police report from Identity Theft just this XX/XX/XXXX so someone oviously has it out to destroy me. I need my number changed but social security refuses to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi I have been paying my mortgage on time for the past approximately 8 years. I am XXXX years of age and on Social Security XXXX for 8Years. I had no problems paying my mortgage up till now. My initial mortgage co. XXXX XXXX XXXX made a Loan Modification in XX/XX/XXXX with The Making Homes Affordable Program which aloud me a modification to be able to make payments. Then in XX/XX/XXXX XXXX transferred my loan to XXXX XXXX XXXX which transferred the loan to Fay Servicing. Since the transfer my mortgage statement has increased {$160.00} I was told due to interest rate increase an escrow shortage. I was still able to pay that on my fixed income. However I received a letter today saying that my property is in a flood zone and " they '' are buying me flood insurance ( which I have to pay back ) also I know is going to put me in a bad financial situation. possibly in a fearful situation where I might falter on the mortgage. My point is that I have not had flood insurance for approx. 10 years. I 'm not even sure why in XX/XX/XXXX when I modified my mortgage I was not told I required flood insurance and I 'm not sure I 'm even in a flood zone as Fay Servicing is saying. Is this legal since my initial application for my loan modification was signed off with no mention of flood insurance. If so are there any options? My hope is that you understand and assist in any way possible to get though this difficult time. Any assistance would be greatly appreciated. 
Many Thanks in advance Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: KY
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:
Identity theft has happened to me. I've provided identification as well as a report from the Federal Trade Commission on identity theft. Block and remove material from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Letter from XXXX XXXX of XX/XX/18 states, " We did not approve your request '' for a credit card. " Based on information from.. .Equifax . '' I'd send a copy of XXXX 's letter, but I don't know how to send a copy of this letter in an email, since it is a hard copy letter, not an emailed one. 

I tried to contact Equifax automatic phone request line, had difficulty navigating their machine, telephoned & spoke to a real person who said he himself couldn't send my credit report, tried online & almost received my copy but the Equifax system said it wasn't working at the moment, and I should try again some other day. 

I tried to request a copy of my credit report again through their phone request line, and was told there would be a charge since I'd already requested my file recently. ( The file they couldn't send me because things weren't working on their end. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Already filed a complaint against the company and the agreed to cease and desist, file # XXXX with the cfpb. They are now using another family memeber s name to try to collect the same fraudulent debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX-Balance : {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX -Balance : $ XXXX Opened : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The mortgage service company, Specialized Loan Servicing, their website, https : //www.sls.net/, mistook reporting to my credit report that I have Forbearance/ Natural Disaster/ Deferred. However, I have paid my mortgage on time every time and I never apply for any Forbearance/ Natural Disaster/ Deferred for the mortgage. I had request from their website to correct the wrong information XX/XX/2021 XXXX XXXX. They respond they will review. Because I am refinancing my mortgage, so I called them XX/XX/2021, to request them correct the record and send me an E-mail or Letter to address I have never in Forbearance/ Natural Disaster/ Deferred. I need the letter to the refinancing lender. Their employee had confirmed I don't have any Forbearance/ Natural Disaster/ Deferred and will send me a letter and E-mail. However, I don't receive any letter and they still don't correct my credit report.

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 2018-03-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or about XX/XX/XXXX I received a letter stating that XXXX XXXX XXXX XXXX ( PRA, LLC '' ) had purchased an account and stated that I owed {$2400.00}. 

On XX/XX/XXXX I sent PRA, LLC a Debt Validation letter. 

On or about XX/XX/XXXX, I received a letter from PRA, LLC stating that they had purchased an electronic file from XXXX XXXX XXXX ( USA ) XXXX that contained information regarding an account belonging to me. 

On XX/XX/XXXX I sent a letter to PRA, LLC stating that I had no knowledge of them and the electronic file they claimed to have purchased, and asked them to produce all documents pertaining to this account. 

On or about XX/XX/XXXX I received a letter from PRA, LLC stating that more documents were enclosed. Documents enclosed were incomplete statements from XXXX XXXX, which I had never seen before. 

On XX/XX/XXXX I sent PRA, LLC another certified letter regarding their XX/XX/XXXX response. In this letter I stated that the incomplete statements appear to be from XXXX XXXX and not from PRA, LLC, and I had not seen them before. I also stated that if they are claiming that this account was established between myself and XXXX XXXX, and now they are claiming ownership, I asked them to provide the following documentation : A copy of the original contract agreement with my name and signature. 

Proof of ownership of the alleged account ( purchase agreement/bill of sale, purchase amount, and all documents that demonstrate clear ownership ). 

Detailed accounting beginning with XXXX  ( XXXX ) balance and ending with the alleged amount of {$2400.00}.

On or about XX/XX/XXXX PRA, LLC responded with another letter stating that additional documents were enclosed, but there were no documents enclosed, and that they had completed their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: WV
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:
Experian Allowed me to report a wrong ONCE It refused to follow up or allow another investigation BUT did allow the company to add another higher incorrect amount owed

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 2020-05-08
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX XXXX XXXX are reporting incorrectly that I am XXXX XXXX XXXX days late on the DEPTEDXXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan XXXX, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have accounts on my credit reports that is a result of identity theft. I have disputed these fraudulent accounts with the credit buearus several times and they still wont resolve this issue

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 2021-09-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I already informed you that the items included in the letter I submitted were erroneous and inaccurate. I feel betrayed because the items are still there on my report after your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 2021-02-13
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Under the fair credit act, Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter - I sent letter on XX/XX/2021 VIA USPS certified mail. You can track this package using THIS tracking number. 

Usps tracking 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 2023-01-22
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX of 2023. I contacted the debt collector. I stated that it was not my debt. I have never owned anything from XXXX so I should not have any collection. I stated the collection was not mine. On XX/XX/XXXX of 2023, the collection was updated only to say I have not paid the debt since XXXX of 2023. This is not my debt. This is unknown to me. I need this taken off of my credit profile.

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 2019-08-27
Company: Experian Information Solutions Inc.
State: NY
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 been a victim of identity theft.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been a loyal wellsfargo customer since XXXX and there have been more than a handful of times threw out the years I have been charged fees for not sign my card a certain amount of times threw out the months also Ive been charged multiple over draft fees even if I went the same day to the bank I over-drafted to replace the money and when I would call to despite it with the bank over the phone they would say there was no way to help me out I can not provide dates but its happened so many times threw out the years between 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 2017-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX/XXXX/2017 I made a purchase for {$490.00} but only paid {$200.00} up front. The {$290.00} were going to get placed onto my credit card within 7 days. I contacted Capital One to dispute a purchase I made XXXX/XXXX/2017 in the amount is {$200.00} on my credit card account after attending a seminar that was held at the XXXX XXXX in XXXX La. Me and my husband discussed we did n't want the services we paid for and decided to cancel the transaction. I tried contacting the company XXXX several times the same night and following day and could not reach them by phone. I emailed the company and did n't receive a response. I disputed the charge through Capital One because I had up until 3 days to cancel the order according to the agreement. XXXX XXXX granted the request and deducted the {$200.00} payment from my account. The company XXXX contacted me on XXXX XXXX, 2017 by email stating they were refunding my {$200.00} back into my account. XXXX XXXX, 2017, Capital One sent a letter to me in reference to XXXX reimbursed me for {$200.00}. And because I received a payment from Capital One and XXXX I was reimbursed {$200.00} from both companies. And capital one decided to reverse the {$200.00} transaction back into my account. At this point everything should have been taken care of concerning this transaction. I called capital One and asked them to remove my email from their marketing list. They removed my email address. On XXXX/XXXX/2017, I received an email again stating my credit card account had a freeze on it because an issue with the XXXX transaction that was made on XXXX/XXXX/2017. This transaction should have been settled a long time ago. I feel there is a privacy issue taking place. Every time I call capital one I 'm put on hold and this problem has not been solved. I have all the documents to back up my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: BARCLAYS BANK DELAWARE
State: CA
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:
on XXXX/XXXX/XXXX, I received a text message from my Barclay bank asking me if I authorized a cash advance on my credit card for a cash advance from  XXXX XXXX XXXX for {$600.00}. I immediately called Barclay Bank and told them that I did not authorize any cash advance. They also asked me if I made a purchase at XXXX for {$9.00} also on XXXX/XXXX/XXXX. I told Barclay bank representative that I did not make this charge as well. My card was also charged for a cash advance fee of {$30.00} twice for a total of {$60.00}. I was charged a total of {$680.00} that included an interest fee of {$12.00}. I called Barclay bank Fraud department and the investigator told me that they would start an investigation. On XXXX/XXXX/XXXX I received a letter from Barclay Bank stating that I was not responsible for the charges and interest while they were investigating the disputed charges. On XXXX/XXXX/XXXX I received another letter from Barclay bank stating that the investigators concluded I was responsible for the charges. 

on approximately XXXX/XXXX/XXXX I called Barclay Bank fraud department and told them that I did not make these charges and disputed them. Barclay Bank investigators told me that they would reopen the case and perform another investigation. XXXX XXXX, I received a statement from Barclay Bank stating that I owed {$690.00} that included a XXXX service fee and a {$15.00} interest charge. Again I called Barclay Bank and the Investigator told me that the  investigation was still in process. The investigator told me that the chip was activated on the card and  since the card was not reported stolen I was most likely responsible for the charges. I told the investigator that someone must have had a card sent to their house since my card was in my office and I did not make the charges.

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 2022-01-07
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: Information belongs to someone else

Complaint:
*I attached My Personal Info Which is My SSC and Utility Bill The Listed accounts were placed onto my consumer report without my permission. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX *Please see attached documentation

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