BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I pulled my credit report and still noticed that there are items that are not right. I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete, or unverifiable : Account : XXXX XXXX XXXX  Date Opened : XXXX Balance : {$9100.00} Account : XXXX Date opened : XXXX  Balance : {$2400.00} Account : XXXX Date opened : XX/XX/XXXX Balance : {$8500.00} Account : XXXX Date opened : XX/XX/XXXX Balance : {$4100.00} Account : XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$63.00} Account : XXXX  Date opened : XX/XX/XXXX Balance : {$1100.00} I am entitled to complete and accurate credit history ; they are missing account information and they need to be removed. 

I want my credit report to be accurate and by law these companies need to remove accounts that are inaccurate, incomplete, or unverifiable. These companies need to respond with verifiable proof of an ORIGINAL consumer contract with MY SIGNATURE on file for the accounts above. Unverifiable accounts must be removed immediately. 

FURTHERMORE, there are late payments furnished on my consumer report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The account that has late payments showing on my consumer report are as follows : XXXX XXXX XXXX XXXX has late payments reported on XXXX XXXX XXXX XXXX XXXX 

LATE PAYMENTS ARE CONSIDERED AS TRANSACTIONS ON MY CONSUMER REPORT AND TRANSACTIONS ARE EXCLUDED FROM CONSUMER REPORTS PURSUANT TO 15 USC 1681 ( 2 ) ( a ) ( I ). These companies are in violation of 15 USC 1681.

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 2023-06-01
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
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: Information belongs to someone else

Complaint:
ON MY EXPERIAN REPORT IT SAYS I HAVE INQUIRIES THAT I DID NOT INQUIRE ABOUT I HAVE NO IDEA WHY THEY ARE ON MY CREDIT REPORT I BELIVE THIS IS FRAUD I HAVE ATTACHED A LETTER FROM A COMPANY LETTING ME KNOW MY PERSONAL INFORMATION WAS STOLEN FROM THEIR DATA BASE AND THEY OFFERED ME FREE IDENTITY THEFT ASSISTANCE. PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXXXXXX XXXX INQUIRY XX/XX/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 2023-01-04
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
My truck was broken into seven years ago, and my computer bag, laptop, passport, and other documents were inside. Shortly after that, I became plagued with identity theft fraud. Someone opened up a business account and or loan with Fifth Third under my name. I have submitted documentation to the bank regarding the fraud, and to date, it has not been rectified. I am requesting for the account to be deleted from credit bureau reports and for collection activity to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, I completed an online ACH money transfer from Wells Fargo to XXXX XXXX in the amount of XXXX dollars. After a few days the funds were not transferred in the XXXX XXXX but on XX/XX/2021 XXXX XXXX refund the XXXX back into my account. Unfortunately, I am not aware if Wells Fargo business practice does this but once the funds was return in my account, Wells Fargo immediately did a bank withdrawal reversal on XX/XX/2021 and sent the XXXX dollars out of my account without my authorization back to XXXX XXXX 

I submitted a claim to the Wells Fargo online department and spoken to several representatives about the matter, after their investigation I receive several letters that appear to be conflicting about the transaction error. The letters states that were no account errors on my end and the transaction was done correctly. Another letter I receive is states I did not have the funds and is very misleading and conflicting. I continue to call and request detail information, such as an financial audit transaction, but have not receive it. From my conversation and understanding, Wells Fargo assure me there was no error of insufficient funds on my part and confirmed the funds requested for bank to bank transfer were in my account. I am concerned after speaking to XXXX XXXX they confirmed that their bank return the XXXX funds on XX/XX/2021 but has not receive the second transaction from Wells Fargo reversal process. Can someone please assist me in this matter, its been over 2 months and I have not gotten this issue resolved. 

Thank You

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 2019-12-16
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
After sending information to verify myself with my disputes ( XX/XX/2019 ), Equifax has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see the items below : XXXX XXXX XXXX {$1600.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed an account with XXXX and the collector on XX/XX/2019 but they keep verifying it. MIDLAND FUNDING LLC attempts to collect {$3700.00} on the account that they can not provide enough proof that they have the right to collect. I wrote them asking to validate the debt but they keep sending me a computer printout which does not make any sense. They keep trying to collect and keep reporting the account without being able to verify it. They hurt my credit and I can not qualify for any loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
this is not the 6th complaint as shellpoint continues to keep playing XXXX. 


XXXX was paid to shellpoint 3 times in XXXX of XXXX. 
When Shellpoint received funds from HAF a year later from the state of maryland. 
They applied montly mortgage payments to the 3 months that already were paid XXXX times 3. 
So double payments XXXX. Shellpoint needs to credit the XXXX times 3 as payments the account fo rany current monthly payment due this year. 

XXXX. Stae of Maryland has rules that the mortgage balance is brought fully current with Shellpoint when the last payment was received and processed by Shellpoint. 
As this was 4th week of XX/XX/XXXX, Shellpoint was required to state that the mortgae is now reinstated AND CURRENT. 

But shellpoint attempted to claim both XXXX and XX/XX/XXXX payments are outstanding. 
We are contacting the State of Maryland 's Attorney General and other mortgage financial regulation divisions plus the Manager of the HAF program as Shellpoint has refused to abide by their agreement. 
Shellpoint has also failed to send out a mortgage reinstatment letter after numerous requests. 

XXXX. Shellpoint also has failed to list MONTHLY payments made when they used the HAF funds from the Govt for my mortgage. 
By law they need to list EACH month, not just several months at a time. 

XXXX. Shellpoint sent me a demand for nearly 8 thousand dollars in XXXX which is completely wrong number by thousands of dollars. 


These items all need to be addressed PLUS the raise in monthly mortgage payments when they promised state of maryland to lower them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Experian Information Solutions 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:
My privacy is supposed to be protected under the Fair Credit Reporting Act 15 USC 1681 section 602 as consumer reporting agencies suppose to insure with fairness, impartiality, and respect for the consumers right to privacy. XXXX and Experian are consumer reporting agencies and I have the right to protect my private information and make sure it isn't shared which is backed by 15 USC 6801. XXXX XXXX, XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information along with they don't have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX, XXXX whether written, verbal, non verbal implied or otherwise is revoked. IN 15 USC 6802 ( b ) ( c ) it states that financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer gives a explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX and XXXX never informed me of my right to exercise my nondisclosure option. These accounts are adverse items, ( 15 USC 1681C ( a ) ( 5 ) explains and they are reporting again without my permission which is against the law. Also 15 U.S. Code 1681s-2 ( A ) ( 1 ) states, 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. XXXX and Experian are not maintaining reasonable procedures to avoid violations of section 1681c of 15 U.S. Code 1681e.to sum it up,12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

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 2023-03-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio recovery associates call me, sent letters. Furnished CRA 's with false misleading inaccurate information, balances, times. And reported collections which letters stated this is not a attempt to collect a debt, corroborated with XXXX XXXXXXXX XXXX XXXX and sent me bill 's and letters which I never seen before and opened accounts in my name. Without any contracts. I disputed everything and it's reported collections, and now new letters stating they are collecting a debt that they don't or are not entitled to. Unfair practices. Shameful company. Computer generated correspondence. Improper investigations. Violations repeatedly with no regards to the chaos and financial burden they caused me. See : law suits articles

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Please remove XXXX XXXX XXXXXXXX, XXXX and XXXXXXXX XXXX  off my credit report these account are volating my rights under the FCRA under idenity theft on veterans in XXXX XXXX on XXXX. THESE ACCOUNTS ARE IN LITIGATIONS with TRANSUNION AND XXXX for applying these accounts without first verifing accurate information on personal credit files. Please hold these credit bureaus accoutable.

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 2021-12-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX listed me as a co signer on a loan for 3000 and I have dispute with the lender this loan. Her and boyfriend XXXX also overdrawn my checking account at this bank. I have made several effort to correct this spanning well over 30 days and recent contact with the bank they have no idea what I am talking about for updates on the progress. An attempt to deposit the money into my account failed as her name is not a joint account holder. Please have my name detached from the loan, and investigate the money stolen from the checking account. Please reply by both email and mail. I can not afford a phone at the moment. XXXX is my boyfriend phone. Also someone possibly them are stealing my mail and packages at the door. There are 3 missing reissue XXXX checks that were stolen late last week possibly by them 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 2022-02-02
Company: KEYCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened my Key Bank account online. I planned to use this account as my primary bank account. 

I was informed after opening the account online that i would need to come to a local branch to complete the opening process. 

I took time to travel to the local headquarters branch and arranged an appointment with the branch manager to finish opening the account. She took copies of my ID and other documents. 

I received multiple followup emails at least twice to confirm my account is fully open and ready for use. 

I arrange my direct deposit into the account. A week later all transactions in the account would appear and then disappear with no record. I received notice from a brokerage account that my transfer to my Key Bank account had failed and i would be accessed fees. 

Same thing happened with another transfer and i was accessed fees. 

I reached out to the branch manager again and informed her the unusual problems. She reached out to her back office and then told me that my account was closed WITHOUT any notice and that's why transfers into my account failed. I asked her how could this possibly be as she confirmed multiple times the account was fully opened and ready for use. She said it was because the back office said " negative banking history. '' I was in shock. 

I do not have any negative bank history. I have never defaulted nor gone into debt etc. I have never experienced amy problem like this before. 

Now i am faced with multiple fees from failed transfers after Key Bank confirmed multiple times my account was fully open and ready for use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EdFinancial Services
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
First I had my loans with Edfinancial and I was not told accurate info about why my loan payments were not going towards my forgiveness loan that I applied for. They also have over 2 hr to 3 hr wait times to speak with someone which is unacceptable. Because they provided inaccurate info to me, I went ahead and paid my loan off because I was tired of dealing with them and did not want to go through yet another servicer. Ed financial received my payment posted on XX/XX/2023. They proceeded to transfer my paid off loan anyway 20 days later. They never returned my money. I have been calling them to say hey you transferred a paid off loan and now the new servicer is asking me to start paying on a loan that should not have been transferred because it was paid off and they are trying to add interest. Ed financial said they are supposed to issue a refund but I am yet to receive it. They told me that it can take up to another 150 days to receive my refund. They have had my money for over 90 days already. They should not be able to do this. They owe me interest on my money and I should not have to pay interest to the new servicer. I need my money ASAP. Not 150 days later. They have had my money for too long already. When were they going to refund me? We're they trying to keep it? Why havent I received my refund yet since I have brought this problem forward?

Company response to consumer: Untimely response
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: NC
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, 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 XXXX XXXX  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 non-monetary relief
Consumer complaint received 2017-06-19
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I currently have  XXXX  inquires on my credit report that I have not given consent to.    1. O n   XX/XX/XXXX    XXXX /  XXXX   XXXX   XXXX      XXXX   XXXX  l , Fl.  XXXX   2.  On   XX/XX/XXXX  a nd   XX/XX/XXXX  Cr editor contact details    XXXX     XXXX   XXXX  , Ca.  XXXX  3.  On   XX/XX/XXXX    XXXX   XXXX    XXXX , Pa   XXXX   4. On  XX/XX/XXXX    XXXX   XXXX    XXXX , Pa  XXXX  5. On  XX/XX/XXXX Certified credit report  XXXX , Ca   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