BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-05
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Refuses to remove inaccurate bankruptcy information. XXXX has removed it, so should this reporting agency.

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 2023-05-17
Company: Experian Information Solutions Inc.
State: NC
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. 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 update these items immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

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 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX XXXX XXXX never late Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2023-05-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute inaccurate information reported by XXXX XXXX XXXX XXXX ( XXXX ) on my credit report. As a consumer, I believe that the information reported by XXXX is incorrect, and I request your assistance in resolving this matter.

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 2023-05-17
Company: Experian Information Solutions Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
To who it may concern, I am making a complaint toward one of the credit bureaus ( Experian ). I have 3 accounts on my credit that has been ( Charge Off ). All 3 Charge Off accounts has pass 7 years. 
According to credits reports information, all Charge Off accounts will be removed off your credit in 7 years. 
XXXX and XXXX has remove the 3 ( Charge Off ) accounts from their bureaus, but Experian refused to remove the 3 Charge Off accounts from their bureaus. 
I have contact Experian by phone and dispute online several times about the 3 ( Charge Off ) accounts and they refuse to remove the 3 Charge Off accounts off my credit.

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 2022-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
-- XX/XX/2022 I made payment by telephone ( automated payment ) to Capitol 1 Silver CC to pay off total balance $ XXXXThere was no indication of any problem and received a confirmation number. 
-- XX/XX/XXXX, my bank statement reflected a transaction XXXX XXXX XXXXXXXX XXXX' for {$5400.00} -- XX/XX/XXXX, a past due fee was charged. {$40.00}. Payment due date is XXXX of the month. 
-- Approximately the XXXX I started receiving text messages about declined purchases. 
-- XX/XX/XXXX, I contacted a customer service agent to find out about the declined purchases ; he said the {$5400.00} payment was returned by my bank. I told him funds were available so I used my bank debit card to make a payment for the new amount, {$5600.00}. He gave me a confirmation number. The agent advised me he could not refund the past due fee. 
-- XX/XX/XXXX, interest was charged for {$110.00}. 
-- XX/XX/XXXX, I called my bank for information and was told Capitol One was taking the payment from my savings account. I've never used my savings account for payments. 
In addition, I made making monthly automatic payments to Capitol 1 always using my checking account. 
-- Approximately XX/XX/XXXX, I called customer service and spoke with a XXXX XXXX agent ID # XXXX. I explained the problem, he researched and told me the {$5600.00} was also returned by my bank. I asked him were they using my savings or checking account for payment. There was a lot of back and forth about which account they used, and he would not give me a straight answer.. He also said some nonsense about the payment couldn't be done because of my spending limit? That made no sense to me so I said I would make a smaller payment.of {$3000.00}. Again he said something about my spending limit and would not accept payment. Finally he said my only option was to make payment using my bank routing and account information. I was not comfortable with that but wanted the issue resolved. Payment was made, confirmation # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: NC
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We want Bayview to follow the stipulations of settlement agreement ( attached ). Every time we call in to Bayview the SPOC is not available and we get a different answer regarding the settlement. Most recently, we spoke to Bayview and their rep didnt know anything about the settlement agreement and refused to run this file through a loan mod, as required according to the settlement agreement. Bayview is also stating there is not enough time to run it through a settlement agreement, even though we submitted the full package to them on XX/XX/ well over a month ago. 


How is it that no one at Bayview realizes there is a settlement agreement, when Bayview is the one that refused to speak to us because it WAS in a settlement agreement and was being handled by their attorney?? 

We just want Bayview to follow the stipulations of the settlement agreement and review this file for a loan mod.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: ALLY FINANCIAL INC.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have an bank account with Ally Bank and I have used the wire function of the Ally Bank. 

I have found the process to be extremely slow and have called up multiple times to confirm the wire amount and beneficiary with the Ally Bank Staff. 

I have spent hours on the phone dealing with Ally Bank staff and their wire department staff. I am very dissatisfied with the wire service they have provided and I kindly request that Ally refund me the {$60.00} I have been charged on wires.

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 2020-10-25
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I received a text alert for a card not present I have an unauthorized charge on my account. This keeps happening with Santander bank!

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 2020-12-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/2020 there was a XXXX transfer on my account in the amount of {$500.00} Another in XX/XX/2020, another XXXX transfer of {$230.00} In XX/XX/2020, there was a XXXX transfer of {$160.00} And in XX/XX/2020, there was another XXXX transfer of {$100.00} Totaled {$1000.00} I called my bank and they denied my claim refusing to give me back 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 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent disputes to the credit bureaus regarding inaccurate accounts reporting on my credit reports. It is XXXX and I have not received any results from the investigation. Legally the credit bureaus have 30 days to complete an investigation. It has been over 90 days and nothing has been done. These accounts need to be deleted from my credit reports immediately or I will file litigation due to the stress this has caused me. My infomation was impacted by the XXXX data breach and could have gotten in the hands of the wrong person. XX/XX/2020 I Sent an additional letter to the credit bureaus and they have ignored that one as well.

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 2023-05-17
Company: Experian Information Solutions 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:
On XX/XX/2023, I have requested both Experian and XXXX to remove the following addresses off my credit report. 

XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX However, address still remain on my credit report Please remove all the other addresses off my report, as they are not deliverable tome by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

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 2021-11-10
Company: First Credit Services Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: EQUIFAX, INC.
State: AR
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 the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
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:
Date : XX/XX/2014 Amount : {$500.00} Action Taken : I ASKED FOR THE AUTHENTIC CONTRACT OR APPLICATION THAT CREATED THIS ALLEGED DEBT.

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 2020-07-17
Company: EQUIFAX, INC.
State: AR
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 the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear Sir/Madam Since XX/XX/XXXX, I have been a Checking account ( # XXXX ) holder with the Citibank N.A, maintaining a monthly balance of approximately {$5000.00}. From the very onset, the bank offered me the benefit of a {$5100.00} overdraft checking protection privileges. My 35 years old overdraft checking protection portion of the account enjoyed an impeccable history of timely payments of all the charges made relating to that account. 

In the midst of the horrific happenings of the global pandemic virus known as Covid-19, Citibank had the audacity to terminate the overdraft checking protection portion of that account, using the pretext that since my credit score has gone down, the bank policies do not permit me to keep the overdraft checking privileges. I became greatly distressed when several checks got bounced, resulting from a lack of protection offered by the overdraft checking privilege. 

I immediately contacted my local Citibank branch, located in XXXX, New york to discuss my plight with the bank manager, who totally understood the wrongdoing perpetrated by the bank 's Credit underwriting unit. On my behest, She made repeated requests to the banks credit unit explaining to them that the decline in my credit score was caused purely by the Covid-19 environment as I did, temporarily losing a portion of my income. 

All her efforts failed and the bank issued a canned response ( copy  enclosed ), rejecting my case by citing arbitrary and capricious bank guidelines, and frivolous policies and procedures. I am a XXXX years old retiree, surviving on pension, social security and investment  incomes that are enough to enable me to have a comfortable lifestyle. The purpose of seeking overdraft protection privileges is to tackle unforeseen emergencies. 

Your assistance in resolving this matter in my favor will be greatly appreciated. 

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 2021-02-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is the second time a collections agency has contacted me regarding an outstanding account at an address that I do not and have never lived at. On XX/XX/2021 I received an email from XXXXXXXX XXXX ( Merchant : XXXX ) with a creditory of PORTFOLIO RECOVERY ASSOCIATES, LLC for the total of {$400.00}. The address on the account is XXXX XXXX XXXX. XXXX XXXX, Virginia XXXX. I have an ongoing investigation with XXXX XXXX Sheriffs Department ( Deputy XXXX ) of another attempt to collect debt. I have never lived at this address and have no knowledge of any purchases made at this account except for the notification from the collections agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am reaching out because I have received 2 phone calls from this company about a debt that doesn't belong to me. I haven't written checks in over 10 years. The first rep asked if the dl number was mine. I told her no. She gave an address that I had never lived at. I am not going to give them any personal information that belongs to me. My information was involved in a breach and they need to remove this debt from me period.

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 2023-05-17
Company: Experian Information Solutions Inc.
State: GA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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