BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are AMEX accounts on my credit report and the 3 reporting agencies show differing account numbers and information. 

The account numbers as listed on statements from AMEX had the 5 numbers listed as XXXX - working capital business line of credit AMEX ; XXXX - business loan AMEX 1 ) The business loan was paid online via AMEX web portal therefore, I never interacted with a collection agency so the information on my credit report is misleading. The agencies are showing accounts in collection which is not correct. 
See attachments showing online payment directly paid to AMEX via my online AMEX account. 

2 ) The working capital line of credit was settled with AMEX XX/XX/2021 with the agreement betweenboth parties signed on XX/XX/2021, that derogatoryinformation would be removed from the credit reporting agencies and any court filing would be dismissed and removed from the courts. 

I don't recognize the account numbers listed with the credit reporting agencies as they are not the account numbers as provided to me from AMEX and the information on these alleged accounts does not have the accurate information. 

I am requesting that this account is removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-04
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: Personal information incorrect

Complaint:
Experian Report # XXXX Date XX/XX/18 Personal Information as XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX is correct all other of this address should be deleted/ removed and there should be no 2 same address showing. It seems Experian does this every other month putting or creation information not correct on there part.

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 2023-06-02
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. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX -- - IDENTITY THEFT! 

XXXX XXXX XXXX -- - IDENTITY THEFT! 

XXXX XXXX -- - IDENTITY THEFT! 

XXXX XXXX XXXX -- - IDENTITY THEFT! 

XXXX XXXX XXXX XXXXXXXX -- - IDENTITY THEFT! 


UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian 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 an 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 of the person knows or has reasonable cause to believe that the information is 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 2018-04-23
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX originally advertised {$150.00} for the services I needed, only to come back to charge an additional XXXX dollars that made my credit card go over its limit, and now its reported as a negative derogatory on my credit report. 
XXXX XXXX falsely advertised the cost for its services. 
Amount : {$260.00} Please help me remove this false claim against my credit Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
BofA is acting with gross negligence and incompetence regarding a financial matter. At issue is a short sale request that was submitted back on XX/XX/XXXX. As you will see from the information attached we have tried contacting BofA multiple times to get this short sale going but they are 100 % non-responsive. BofA has a horrible phone service that keeps routing you back to the same automated system. We keep asking for the short sale department and we keep getting assured that is going to be happening only to be routed right back to the same automated system. This is now a running joke. BofA should not be handling loans if they can not service them properly. BofA is in violation of RESPA guidelines which require them to respond to a request within 5 business days. They are way past that.

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 2021-01-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The amount {$550.00} for a navy federal account that was hacked about 2 years ago. 
Ive been trying numerous to get this off my credit through navy federal and nothing had been resolved They over-drafted my checking account and credit card as well being as thought the dispute didnt get accepted/ resolved i stopped using the account all together.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions 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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My Mortgage was transferred from XXXX XXXX To Freedom Mortgage, XX/XX/2020 I got an offer in the mail from Freedom mortgage around the last part of XXXX to lower my interest Rate I called them and talked to their representative XXXX XXXX His sales pitch was to lower my interest rate and 2 Skipped Payments in the amount of around {$3000.00}. This was a lie. I even called him back because closing told me I would only skip 1 payment, I stopped the process until I Talked to him. He assured me closing didn't have the final say he did!

I should have been more aware of a fast talker, Because It was in all actuality 1skipped payment. when I realized it and contacted Him He  said I should of held my XXXX payment and it was my fault. 
Because I had Already signed up for Direct Payment to Freedom Mortgage, My XXXX Payment was already pulled from my bank When we were in the process of Talking and signing this loan. So no w

ay I could Hold it. I assume When you are promised something to get you to sign up for a loan that Freedom Mortgage Should Stand by What They Say.

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 2023-03-17
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( 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. I need the following inquiries to be deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 2020-09-14
Company: CNG FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Check-n-go representative contacted me to set up a payment arrangement. After I agreed, I found out that the account had already been written off. I filed a complaint asking them to remove it from my credit report. The account is being reported on my credit report as written of, which has severely damaged my credit. They also debited my bank account after it was written off. This is in violation of the Fair Credit Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My name is XXXX XXXX XXXX not XXXX XXXX XXXX. I have noticed that banks and bank account are getting changed over from XXXX XXXX XXXX to XXXX XXXX XXXX. I have XXXX hackers. XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) Who have been stealing money from my accounts. I have not touched a XXXX of the money in any account. I need this to be corrected immediately. I need law enforcement to track down every XXXX these XXXX have taken. Please. They are harassing me and will not leave me alone. Please. Also change the reference XXXX on ally forms. XXXX  has passed away and her family is in on trying tos teal everything I have. Please do not reference XXXX with anything to do with any of my accountsm XXXX XXXX. Please be aware that XXXX XXXX XXXX and XXXX XXXX XXXX have a fake passport and a fake POA. Please do not use in any bank transaction. Do not allow bank transfers of any type. In the XXXX and XXXX international. The XXXX and XXXX are no longer an association with me. In any 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 2021-03-09
Company: SYNCHRONY FINANCIAL
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 XX/XX/2020, PAYPAL VIA SYNCBPAYPAL add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-05-23
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In XXXX charged my XXXX dollar account that i had been paying on XXXX dollars in interest for exiting a promo period. no warning and my account balance doubled overnight. have tried to work with them to just payoff the balance but its just lead to numerous calls, they wont connect me with hardship nor will they help on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I constantly receive calls from Portfolio Recovery Associates. I have informed them to stop. They called my father and threatened to have me arrested. I have been cursed at by a man who said that he was an attorney. I informed them that I wanted proof of the debt. I also informed them several times my only source of income is Social Security XXXX benefits yet I receive at least 2 calls a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My wallet was stolen from my purse at XXXX XXXX XXXX in XXXX XXXX, CA on XX/XX/2018, filed police report. 

Fraudulent charge made on my Wells Fargo Credit Card of {$1200.00} at XXXX XXXX in XXXX XXXX, CA I received a letter dated XX/XX/2018 informing me that the fraudulent charge of {$1200.00} and that I had reported on XX/XX/218 to Wells Fargo Fraud Department is now my responsibility. 

I wrote a letter to Wells Fargo Credit Card Fraud Department to remove fraudulent transaction since my wallet was stolen.

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 2023-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
On XX/XX/XXXX a lot of unauthorized inquiries showed up on my report. I have tried to dispute them on the phone with equifax and XXXX since XX/XX/XXXX. I put a freeze on all Credit reports but no changes were made in my favor. I filed an ftc report XX/XX/XXXX. All inquiries that need to be removed immediately from equifax and/or XXXX are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-03
Company: Experian Information Solutions Inc.
State: RI
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 sent a letter on XX/XX/2023 to remove : XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00} These are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,

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 2022-12-19
Company: Genesis FS Card Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the second attempted complain I'm reference to XXXX XXXX XXXX. Reporting an alleged collection debt {$750.00} as open on XX/XX/XXXX. Original creditor was indigo credit card services account was open on XX/XX/XXXX, balance of {$300.00}. Indigo charged off/written off balance and close the account on XX/XX/XXXX. I do not owe a debt that has been charged/written off correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement XXXX  days earlier. Below is the list of the disputed accounts. XXXX XXXX XXXX : {$25000.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.

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 2020-09-14
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 is missing that should be on the report

Complaint:
I was charged late fees for the month of XX/XX/XXXX and XX/XX/XXXX however the bills for XX/XX/XXXX and XX/XX/XXXX were not sent to me because the address was wrong and when I spoke to the cardholder representative they said yes the bills were returned to them. Therefore I had no bill that I could pay an amount for because I never received a bill. I thought that the reason I wasnt getting bills in the first place was because of the Covid situation possibly and I was just waiting for a bill. When I missed a payment in XX/XX/XXXX they reported it to the credit bureau because they have some sort of policy after 33 days they report to the credit bureau. My issue is I never received a bill to pay. When I did get a response from the Card company I spoke to a representative and pay late fees and outstanding bill of {$50.00} and change immediately. I asked the card company if they could delete the mistake due to the wrong address and they told me it wasnt their department and told me goodbye and have a good day! Im looking to solve the situation because my credit score has lost 50 points or more and Ive never missed a payment on any of my cards for the past 30 some years.

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