BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
Company: CITIBANK, N.A.
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CBNA/XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft CB/XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft CBNA Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX MACYS Account XXXX : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.

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 2023-02-01
Company: EQUIFAX, INC.
State: NJ
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Experian Information Solutions Inc.
State: CA
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:
I BELIEVE THE 3 MAIN CREDIT REPORTING COMPANIES EXPERIAN, XXXX XXXX, XXXX, BROKE YOUR OWN UPDATED COVID-19 POLICIES BECAUSE I HAD A FICO SCORE OF XXXX XXXX OF XXXX NOW PRESENT XXXX XXXX XXXX FICO SCORE XXXX DROPPED OVER XXXX POINTS, BECAUSE I GOT LAID OFF XX/XX/2020 TO PRESENT DATE OF TODAY XXXX XXXX IN A LOCK DOWN IN CALIFORNIA, WHERE I HAVE HAD the SAME JOB FOR OVER 30 YEARS. NO JUSTICE HERE WHEN I SEE ALL THESE OTHER CONSUMERS GETTING LIKE STUDENT LOAN FORGIVENESS, AND OTHER BAIL OUT OPPORTUNITY, I HAVE DISPUTED ATLEAST 4TO 5 TIMES AND REALLY GET NO ANSWER OR EXPLANATION FROM WHAT THE DISPUTE OUTCOME, BECAUSE YOU KNOW THAT THE BUREAUS WOULD NOT LET YOU DISPUTES THAT MANY TIMES IN OVER 2 MONTHS AND I PICKED OUT OF MULITABLE CHOICE, COVID-19 AS THE CAUSE FOR THE LATE PAYMENTS, AND I HAD EXPERIAN EMAIL ME ATLEAST 25 TIMES IN 2 MONTHS ACTING LIKE THEIR HELPING ME WITH UPDATES, BUT NOTHING SHOWS CREDIT SCORE IMPROVEMENT, IT IS LIKE THEY DONT KNOW WHAT TO DO, WHAT GOOD IS THE UPDATED CFPB COVID-19 PROVIDES, WHEN THEY DONT FOLLOW THE GUIDELINES, AND WHEN I DISPUTED MY 6 ACCOUNTS IT WOULD SHOW WHICH ONE I WANTED TO DISPUTE BEFORE I EVEN PICKED WHICH ONES I WANTED TO? SOMETIMES ONE OF MY COMPANIES I PICKED TO DISPUTE, AND WHEN I WENT BACK TO LOOK IT TOOK XXXX XXXX OFF AND WOULD NOT BE THEIR, IT WAS LIKE THEY WERE TRYING TO COVER FOR THEM, I JUST DIDNT KNOW WHAT HAPPENED????? I STILL DONT KNOW???

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 2021-02-11
Company: Carvana Group, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a used truck from Carvana last year. Carvana uses XXXX to service the loan. I have requested multiple times by phone and by email to both XXXX and Carvana to provide paper statements each month. They flat refuse. 

It is my understanding that the E-Sign Act requires them to supply paper statements unless I opt-in to paperless.I do not remember doing this in anything I have signed. In any case, the E-Sign Act also allows me to opt-out of paperless as well. 

I need the CFPB to intervene and demand their compliance with this Federal Law on my behalf. This means that I want to receive paper statements every month.

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 2019-02-07
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: Account information incorrect

Complaint:
I have a store credit card with XXXX XXXX  XXXX. I have always made my payments on time. I have noticed while looking over my credit report that there was a 30-day late payment on my credit report on all 3 bureaus. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, and XXXX  and XXXX XXXX   XXXX with no successful resolution. Experian, XXXX, and XXXX  are all reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2019-10-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been repeatedly contacted by a company named, " XXXX XXXX '' claiming to be a legal company filing a subpoena for a client that will result in a claim, lien, or judgement. They have called my repeatedly for the past month or so. 

The original debt was with Wells Fargo for a credit card that went into default. I believe it was in XX/XX/XXXX or XX/XX/XXXX. It was settled through a collection company in XX/XX/XXXX through a collector called the XXXX group that was able to provide proof of the debt. I've attached it below. 

When questioned if I can send them proof that the debt was settled, they said they would include it in my file, but still file in court. When I informed them that it was settled, they said repeated that it would be filed in court and I could expect to be served at my residence or place of employment. When I asked them to stop calling me, they informed me that they were not a debt collector and reiterated that they were a legal company. 

Despite the debt being a decade old, it also appears that Wells Fargo is still selling the debt, as this pops up every year or two.

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 2023-02-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Opened Balance XX/XX/XXXX, {$4100.00} XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$390.00} XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$2300.00} XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX  has incorrect information on my XXXX, XXXX and XXXX  credit reports. This incorrect information is hurting my credit score and my ability to get a home mortgage.

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 2020-07-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account Name XXXX XXXX Account Number XXXX   Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$890.00} past due as of XX/XX/XXXX. 

Account Name DEPT OF EDUCATION/XXXX Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$890.00} past due as of XX/XX/XXXX. 

inquires ftc violations US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Rental on behalf of XXXX XXXX   XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX   Inquired on XX/XX/XXXX Rental on behalf of XXXX XXXX   XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 

Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX XXXX  Account XXXX XXXX Account name : XXXX XXXX Account # XXXX-XXXXXXXXXXXXXX Account name : XXXX XXXX XXXX Account # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 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 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 XXXX 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 2019-11-13
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-29
Company: EQUIFAX, INC.
State: OH
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:
In the summer of XX/XX/XXXX two collection accounts from XXXX XXXX  XXXX XXXX appeared on my credit report. One was for the amount of {$110.00} and the other for {$5.00}. 
1. I had never heard of this medical facility, let alone did I remember ever visiting there. I hadnt even received a billing statement from them or been contacted by them in any way. 
2. It seemed particularly odd that, if this information was correct, I would have been billed for two varying amounts. 

I disputed this information with XXXX and it was promptly removed from my credit report. On XX/XX/XXXX, I filed a dispute with Equifax to have it removed from that report. To my surprise, they denied the dispute on XX/XX/XXXX. In addition to the bizarre circumstances under which this collection appeared on my credit report in the first place, it is even more unbelievable that it could be found inaccurate by one credit bureau but not by another. 

If XXXX determined that this information should be removed from my credit report, Equifax should be required to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened a credit card account with Victoria secret. At the beginning of the year i paid it off and requested to close but it proceeded to charge and also add on additional fees that Ive more than gladly paid for but i shouldnt have to because i tried closing the account. Why am i paying XXXX when i havent use the card in like a year

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I were with another mortgage company. It was bought out by PHH Mortgage Services. We sent in one check to be applied to two loans with the company. After PHH had received three of our checks we received a notice in the mail about foreclosure on one loan. We called and talked to someone and they said it would get fixed. My husband was told that we had to submit another check for the other loan acct so we did. Next month after another notice of foreclosure showed up. When I tried calling they said i wasnt on the acct so i couldnt do anything until my husband called in to get this fixed. So he did and he talked to someone about fixing the issue of the supposed debt. PHH reps have told us over and over at least 20 times if not more that this will get corrected and it hasnt been corrected. I just spoke to a lady 2 weeks ago and she said we missed the first payment. Even though the other loan was paid. So upon talking to her she told me the payment for the default loan was just gone and there was no proof that the money was there to pay it. So i told her the check number and told her to look up the other acct and see what was paid toward that the first month. So she finally saw that there was extra money put on that acct. She said she would correct it. Well just today received yet Another statement from them saying we have a late charge applied to our acct. I have tried 4 times today to contact them and there is technical difficulties with their phone. I know our credit is being affected by this along with our home. We can't afford an attorney to take care of this and we shouldn't have to it is PHH 's Fault on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX I went to XXXX 's to purchase a coat for my son. I used the NetSpend card to make the purchase. I went back to order another coat and, although I used my pin number, NetSpend put a hild on my account which has ALL of my spending money/direct deposit from my job on it. I called them on XX/XX/XXXX and they said that the account will be unlocked in the next six business hours.I then called them on XX/XX/XXXX, after six business hours and they tell me that they are still investigating the account. Everytime I call they put me on hild never to pick up again. I am a single mom and I have no money for food, gas, or for important bills that I have to pay. Currently i am STILL on hold waiting for another agent to pick up. this is VERY frustrating. They have {$640.00} of my money on hold and will not tell me what 's happening with my money.

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 2018-05-08
Company: Early Warning Services, LLC
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XX/XX/XXXX I fell on difficult times financially with my employment and my XXXX XXXX XXXX   was overdrawn. XXXX reported me to Early Warning Services , LLC ( EWS ) for mishandling the checking account. Since I was succumbed with debt, I filed Chapter XXXX bankruptcy in XX/XX/XXXX. This bankruptcy was discharged on XX/XX/XXXX. XXXX and EWS were both notified. The account was XXXX out on XX/XX/XXXX as a result of my initial dispute with both companies. However, EWS is still reporting negatively. This is hindering me from opening an account so I disputed once again advising that the debt was discharged by the US Bankruptcy Court and should be removed in XX/XX/XXXX. I was informed that the report is accurate and would remain on file for seven years. I disputed again in XX/XX/XXXX with same outcome. This company is not cooperative and providing inaccurate information about myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: Experian Information Solutions Inc.
State: MT
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:
These are not my accounts, nor did I authorize these companies to run my credit. I am in the military and have always gone to my own credit union with XXXX to get my loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation