BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-10
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: Information belongs to someone else

Complaint:
My personal information, birth certificate drivers license and social security card was stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report. I did not receive any money, goods, services, or other benefits as a result of the events described in this report. XXXX XXXX # XXXX {$680.00} XXXX XXXX # XXXX {$500.00} XXXX XXXX XXXX XXXX # XXXX {$360.00} XXXX XXXX & XXXX XXXX # XXXX {$4600.00} XXXX XXXX XXXX # XXXX {$400.00} XXXX XXXX XXXX # XXXX {$0.00} XXXX XXXX # XXXX {$2100.00} XXXX XXXX # XXXX {$300.00} XXXX XXXX # XXXX {$86.00} XXXX XXXX # XXXX {$170.00}

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 2023-03-13
Company: W&A Intermediate Co., LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Dear XXXX, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : The following letter was sent over 30 days demanding removal of inaccurate and invalidated information on my consumer report. 

Subject : Fair Credit Reporting Act, Section 603 Dear XXXX : Wakefield, account number XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

My identifying information is as follows : Name : XXXX XXXX Date of Birth : XXXX SSN : XXXX As proof of my identity, I have included copies of my Social Security card, and a residential bill. I have also included a copy of my credit report with the account I am requesting to have verified, circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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: Personal information incorrect

Complaint:
Experian has my name wrongly listed on their reports. Instead of having my name as " XXXX '' & surnames as " XXXX XXXX '' they have my name as " XXXX XXXX '' and my surname as " XXXX '' They claim this is happening because the providers are reporting this information incorrectly, however I have called the providers ( and I have even reviewed this myself ) and my names & surnames are properly listed. The providers also argues that Experian is the only Credit Bureau reporting my name wrongly, which does not happen with XXXX or XXXX. 

However, Experian representatives say they can not do anything on their end and this needs to be fixed by the providers

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 2018-05-03
Company: CITIBANK, N.A.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Citicards has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2021-02-02
Company: EQUIFAX, INC.
State: WA
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 XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should delete promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: 21ST MORTGAGE CORP.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX XXXX and 21st Mortgage submitted a Hard Inquiry after canceling the morgage quote because lender would not approve morgage on these types of properties explicetly. and the lender refused to lend in the area requested by choice not by technicallity. Other lenders did not require hard inquiries to offer lending quotes and where able to complete the application process for loan approvals based on soft inquiries alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I began a home loan process application at Bank of America on XXXX XXXX. 
I was immediately sent to XXXX XXXX on XXXX XXXX on XX/XX/2019. 
I was then called by a man named XXXX XXXX XXXX XXXX XXXX at Bank of America. I spent 2 hours with him on XX/XX/XXXX. He told me to ask for an extension from my landlord since Bank of America was offering a better assistance program on XX/XX/XXXX. I return to the bank on XX/XX/XXXX. The application was started and I went to the bank with more documents and he was suppose to wire the escrow money to title company. The money was never wired. XXXX assured me the loan was approved and it wouldnt be much longer until we can finalize the loan. On XX/XX/XXXX XXXX called and told me my payment would be too high and gave me a womens name at a mortgage company. Her name was XXXX XXXX from XXXX XXXX XXXX In XXXX. She assured me my loan with process and we would have a closing date soon. I never met the this women and her assistant took over my loan almost 10 days later they finally started my paperwork. I went to her office and spent 2 hours with my paperwork. My realtor would reach out to these women and no return phone calls and they basically told me they couldnt make my payment lower. I then went to another mortgage broker XXXX XXXX who advised me to go back to Bank of America and ask why I couldnt loan from them. I return to XXXX XXXX at XXXX XXXX and he starts my paperwork. He informs me that XXXX XXXX never submitted my home loan application. Finally I go back to Bank of America/call and XXXX calls to tell that Bank of America doesnt lend to my condo community in which I live. Ive spent 2 months on this loan applicant ion, reached out to Bank of America and they only respond with Im sorry, they have never offered me compensation for my time, money and stress that I went through to have them decline me of a loan. I have banked with B of A for many years. Im very disappointed in how this was handled. I went to another mortgage company and they were able to tell me within 15 minutes if they loan to my community. I would like to be compensated for my terrible experience with Bank of America In 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 2018-04-10
Company: Cedars Business Services, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company cedar financial is representing a foreign bank called XXXX XXXX XXXX. I had a financial relationship with XXXX XXXX XXXX and they issued me a credit card. After I defaulted XXXX XXXX XXXX have sent me several threatening emails including legal and imprisonment afterwards handed the credit to cedar as debth collector. Cedar has followed the path of XXXX XXXX XXXX by refusing to accept my dispute of the said debth and forcefully posting to my credit records without any acceptance or court ruling on the debth

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
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: Account status incorrect

Complaint:
To Equifax Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax 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 the 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 ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX   XXXX not mine COLLECTIONS XXXX {$3000.00} not mine XXXX XXXX XXXX XXXX {$140.00} not mine XXXX XXXX XXXX XXXX-XXXX {$820.00} not mine XXXX XXXX XXXX XXXX-XXXX {$580.00} not mine How is Equifax able to verify these items when other agencies can not?

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.

Identification already on file. Please send 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 XXXXXXXX, has violated my rights. 

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

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 2020-09-12
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
You have authorized a payment of {$110.00} USD to ( ). Money won't leave your account until processes your order.XX/XX/XXXX, XXXX XXXX PDT Receipt XXXX Hello XXXX XXXXXXXX This charge will appear on your credit card statement as payment to PAYPAL XXXX. 

Save time with a PayPal account Create a PayPal account and save your payment information. You won't need to enter your payment information every time you shop online. 

table.callToAction td { background : # XXXX url ( http : XXXX XXXX left 17.5 % repeat-x ; } .callToAction { XXXX! important ; } Sign Up Now Shop with confidence We keep your financial information secure. 

Transactions monitored 24/7 Our fraud specialists help protect your account.

You're protected Zero fraud liability for eligible unauthorized purchases. See eligibility Merchant information : Instructions to merchant : None provided Shipping information : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX United States Shipping method : Not specified DescriptionQtyAll the items in your shopping basket ( see details in the store and on your store receipt ). 
Item # : XXXX XXXX XXXX XXXX : XXXX Please keep this receipt number for future reference. You'll need it if you contact customer service at or PayPal. 

Help XXXX XXXX XXXX Massachusetts Division of Banks, ( XXXX ) XXXX, http : //www.mass.gov/dob, PayPal holds a Foreign Transmittal Agency license with the State of Massachusetts - License Number XXXX. XXXX XXXX : XXXX. 


Please don't reply to this email. It'll just confuse the computer that sent it and you won't get a response. 

Copyright XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

PayPal Email ID XXXX - XXXX I ordered item on XX/XX/XXXX I paid tbrough website and yet it says PayPal. I never received item company wont respond and paypal says they are not involved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: GA
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:
To whom it may concern : I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I'm requesting that you verify permissible purpose was provided for each account and inquiry. 
You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated 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 2020-07-28
Company: Nelnet, Inc.
State: MA
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 can't believe what I saw on my credit report.. It says late 180 days on my PAYMENT Status. Very inaccurate because there are no lates on my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: U.S. BANCORP
State: NE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have been working on this issue for 7 years, you helped get some records from US Bank however they did not provide some very pertinent records that would corroborate their position that my father requested the XXXX Line of Credit be left open. What the provided CFPB with was the original LOC he signed in XXXX. US Bank did not provide the copy of a signed application for his XXXX LOC to be left open. I asked for a copy of the document. I asked because there was not such a document in his papers, I asked him if he asked for it to be left open and he said paid off. I can no longer ask him because he passed away XX/XX/XXXX at XXXX. The bank agent in Loss Prevention said the account is marked closed in the bank files with his XXXX LOC he opened to pay it off. 
However, the XXXX LOC was left open and XXXX went out of it and my dad was saddled with this debt by US Bank saying he asked it to be left open. It broke him, he spent his last years broke and paying every dime of his Social security to this unauthorized LOC. I became his care provider and had to pay his bills that he couldn't as well as my own. His SSN was deposited and then automatically debited by US Bank to pay his legitimate XXXX LOC as well as the fraudulent newly created XXXX LOC. He did not sign any application for his XXXX LOC to be left open and he did not get any funds from it. Yet it was debited out of his checking account and supposedly paid to a closed account every month until his death. I asked the XXXX Police Department to file a Fraud charge against US Bank, I have asked Legal Aid to help with this issue. I asked CFPB to get the copies of the original signed documents. You sent me what US Bank provided you but you were given what documents they had, You did not send me a document with my father 's signature asking for the XXXX Line of Credit to be left open after it was paid off in XXXX of XXXX. Please, ask the bank where the application or request is that they debited his account monthly. They did send the payment history for the account but it is based on the XXXX LOC he paid off in XXXX with the LOC he took out to do that exact payoff. Somebody took advantage and exploited an XXXX year old vulnerable senior citizen causing his quality of life to take a downward spiral. 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