BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: CT
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 have been disputing this account since XXXX of 2019 with multiple dispute letters I sent in the hope of removing this inaccurate XXXX XXXX - XXXX account on my credit report. It is tiring and expensive going back and forth sending dispute letters with XXXX and they do not mind reporting the same inaccurate information over and over. They continue to say that the account has been investigated and fully verified but it's still inaccuracies, missing information reporting. 

Under Sec 1681 of the FCRA, the credit bureaus must delete inaccurate, unverifiable, missing, or outdated information on my credit report. If this account is not reporting 100 % accurate, I request deletion immediately. 

Error as follows : This account is no longer reporting in XXXX  so this needs to be removed from my credit report. 
This account has been disputed previously still reporting missing information. 
What is the Monthly payment on this account? 
Credit limit is not provided Past due account is not provided. 
What is the date of last payment on the account? 
The remaining balance reporting in Experian is different from XXXX. 
You are reporting a different date account last reported. 
The comment on this account is completely different from XXXX to the comment Experian.

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 2021-10-21
Company: Experian Information Solutions Inc.
State: GA
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:
Hi I have some misinformation/old info on my credit reports. 

I would like for Also Known As to be removed because " XXXX XXXX '' is not my name and I never went by that name. " XXXX is my first name not XXXX '' I would also like for my Employment Information to be changed. 

XXXX XXXX is my XXXX  and I am the XXXX XXXX XXXX that is my current employer and my current position. I never had " XXXX XXXX XXXX  '' as my XXXX or my employer.

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 2020-04-28
Company: Credit Protection Association, L.P.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notice in the mail of a debt collection, but I thought that the electric utility was in my wife 's name for the 8 years we lived in our home in XXXX, which we sold in XX/XX/XXXX. I had also thought that we were paid to date, since my wife transferred a service to her name in an apartment in another city in XXXX. We subsequently moved to XXXX  and I received a notice for a debt collection, which I thought was fraudulent, so I threw it away. I subsequently saw the collection show up on my credit report in XX/XX/XXXX. In XX/XX/XXXX, I tried to get a car loan, and my credit score was significantly lower than it ever had been as a result of the collection. I then called XXXX XXXX to verify the debt, which they confirmed, but I could not pay it as it had been referred to a debt collector. They would not give me information on how, who, where the debt collector was, and the only information I could obtain was from a credit reporting agency, which had the following information : {$280.00} Original creditor : XXXX XXXX XXXX XXXX CREDIT PROTECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX When I attempted to contact this agency to get information on HOW to pay the outstanding debt, the phone number is invalid. As a result, I am not able to pay the outstanding invoice. Any assistance would be very much appreciated.

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 2020-04-28
Company: EQUIFAX, 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:
( XXXX true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from my report also ill list each report number : XXXX  REPORT NUMBER : Report Number : XXXX Equifax Report Confirmation # : XXXX XXXX XXXX # XXXX XX/XX/XXXX {$660.00} XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX  XXXX Ive try over and over to fix this and i haven't gotten any update or proof of investigation My personal information was exposed in a data breach ( Equifax XXXX data breach ). i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help i also attach a true copy of my police report number to this complaint also my case number is XXXX filed with the XXXX Police Department date XX/XX/XXXX and also have a FTC report that i also upload and my FTC case number is XXXX i been battling with this fraudulent accounts on my credit file for over 2 years please help me these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX XXXX calls upwards of 15-20 calls per day. 9 ( Nine ) times I have asked for them to not call me anymore and have blocked 22 of their numbers after asking the first time. I was told on the last I demanded them to stop calling Too bad, pay or Ill be calling you back in an hour. 

In fact, I just got that call back typing this ... 

I was encouraged by counsel, not retained only inquiring for relief, to contact you about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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 2020-04-28
Company: Experian Information Solutions Inc.
State: SC
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:
I have sent multiple letters on my behalf disputing an auto loan account on my Experian credit report showing delinquent, the loan has been paid off in full from XXXX  XXXX XXXX XXXX. I contacted the creditor themselves and I was told reach out to the credit bureau to have the information removed, yet the balance is still showing negative. I have receive a letter directly from the creditor to send to them regarding the issue and still no results for the past few months. I will attach supporting documentation. 
The is account by the name of XXXX that I never obtained credit from, this was fraud, I reached out to the creditor directly and there was nothing they could do for me. I refuse to pay a debt that does not belong to me because its simply unfair. 
XX/XX/XXXX XX/XX/XXXX XX/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 2021-10-21
Company: Harpeth Financial Services, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am about to file bankruptcy. I sent 4 emails to this company asking them to only communicate in writing. The first was sent XX/XX/XXXX, and then again on XXXX, XXXX, XX/XX/XXXX and again today. They keep calling, sometimes as late as XXXX. I mailed a letter to their office on XX/XX/XXXX as well. At this point, I am not answering but they have been asked several times to stop and continue to call

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have previously asked that this account be validated that I owe it by ProCollect way back on XX/XX/2018. 
They have yet to do this. 
They sent me a suspect " copy '' of an alleged lease that they are claiming I owe. 
The lease is to " XXXX XXXX '' apartments. What this has to do with ProCollect is a mystery to me. Unless Procollect is a subsidiary of XXXX XXXX this does not show that I owe Procollect anything. 

I've attempted to get validation through all three credit bureaus at least twice and they refuse to validate or remove from my credit reports violating my FCRA rights. 
I will be filing a complaint with the XXXX and FCC office along with this. 

Secondly I was NEVER notified of such alleged debt nor that I had the ability or right to dispute it within 30 days. I'm asking for proof that the notice was sent to me at a legitimate address of mine. 

I have attached the original letter sent to Procollect and date along with a dispute to XXXX credit bureau.

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 2020-04-28
Company: CITIBANK, N.A.
State: KY
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:
I mailed in a dispute with Citibank in XXXX of XXXX and the same dispute again XX/XX/XXXX. I also emailed and spoke with them on the phone regarding this dispute. I have neither received a notice of dispute nor a resolution. I spoke with them on the phone today, XX/XX/XXXX, and was still unable to get a resolution.

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 2018-11-21
Company: Ditech Financial LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2018 we closed on XXXX XXXX XXXX XXXX XXXX KS XXXX which paid off the mortgage to Ditech Financial LLC account # XXXX. However, Ditech never refunded the escrow amount of {$440.00}. I have sent emailsXX/XX/2018 and XX/XX/208 and made phone calls XX/XX/2018,XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 with a promise the amount would be refunded but it never has been refunded. Ditech Financial LLC., XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX, XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
XXXX ATTN : Customer Care XXXX XXXX XXXX XXXX, TX XXXX XXXX : Incorrect data/information with Membership ID XXXX Login : XXXX for XXXX XXXX XXXX ( DOB XX/XX/XXXX ) and XXXX XXXX XXXX ( DOB XX/XX/XXXX ) On Monday XX/XX/XXXX, both myself and XXXX opened accounts with Experian to access our credit reports individually. As we became familiar with the site, we decided to change to the Family plan membership. We then, canceled XXXX account and added her to mines. 

Since the account change took place, my name was removed from my account and replaced with XXXX name. I see my credit report, SSN # and DOB, but under her name. 

In efforts to correct the data, I removed XXXX as an adult on my account on XX/XX/XXXX. On XX/XX/XXXX, I noticed that my information was still being presented with XXXX name. I cancelled my family membership on XX/XX/XXXX and tried to reopen the account with only my information. The system did not let me open a new account and prompted me to login with my XXXX login. 

The information has yet been corrected. We created the Experian account in order to dispute charges when needed and to lock our identity. 

I have been unsuccessfully reaching the customer service department at, XXXX, which is why Im writing this letter. 

I ask that someone please look into the data that appears on our accounts. Ideally, we would like a family plan, but if it is going to cause an issue, then we would like separate accounts with our information fully segregated. 

If you have any questions, please contact me at XXXX. I have enclosed screenshots of what we see when we log in. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my 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 non-monetary relief
Consumer complaint received 2020-04-28
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: Information belongs to someone else

Complaint:
Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX  XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX XXXX {$420.00} XXXX   XXXX COLLECTION XXXX {$1900.00} COLLECTION XXXX {$720.00}

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 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi I have some misinformation/old info on my credit reports. 

I would like for Also Known As to be removed because " XXXX XXXX '' is not my name and I never went by that name. " XXXX is my first name not XXXX '' I would also like for my Employment Information to be changed. 

XXXX XXXX is my business and I am the XXXX XXXX XXXX that is my current employer and my current position. I never had " XXXX XXXX XXXX  '' as my business or my employer.

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 2019-06-26
Company: M&T BANK CORPORATION
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to M & T bank without my knowledge in XX/XX/2019. XXXX failed to keep me informed of the sales. I called XXXX for months in an attempt to pay them and I was told that there " was a problem with my bank app, someone will get back with you ''. Finally, in XX/XX/2019 I was told by a XXXX employee on one of my many calls that my loan had been sold. I immediately requested a copy of the letter they claim to have sent me. I then confirmed that they had incorrectly recorded my business mailing address, which could be why I never received any kind of notice of the sale ... Never mind that they had 3 different email addresses on record that they failed to use to contact me. After multiple requests I finally received a written notice that my loan had been sold via email on XXXX and because I now had a name and number for my new mortgage company I called right away. 

The man I spoke with verified that M & T had my correct email, and home addresses and a XXXX XXXX XXXX use for business ( they were one digit off actually ). He gave no reason for why M & T Had not tried to reach me. 

When I asked for a loan number, he said customer service would reach out. They sent a letter that I recieved at the house today, XX/XX/XXXX, dated XX/XX/XXXX. The letter is saying I'm now in default. 

This is the first correspondence from M & T with any info like a loan number. 
Last week I got an invite to sign up for on line banking with M & T. There was no way to make a payment without a loan number. The XXXX XXXX loan number was not working. 


Today XX/XX/XXXX I finally have the ability to make a payment on my loan.

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 monetary relief
Consumer complaint received 2020-04-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Two fraudulent checks were deposited in my account I never use mobile deposit the only checks go into my account are my pay checks which are the same amount every two weeks and my child support which is a direct deposit. my old phone was stolen and I didnt have a lock code and all my information was stored from my driver license picture and also my log ins that were stored in my notes now Wells Fargo is telling me that they are closing my account when I have did my own investigation in how this has happened my XXXX XXXX was also linked to my account this is indeed stressful please help

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 2020-04-28
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Why haven't I received a letter in the mail that the forbearance was cancelled? 

On XX/XX/XXXX at XXXX CST I spoke with XXXX XXXX XXXX She submitted the request for the forbearance to be cancelled. 
On XX/XX/XXXX at XXXX CST I spoke with XXXX - he confirmed that the forbearance was cancelled and I would be receiving a letter. 
On XX/XX/XXXX at XXXX CST I spoke with XXXX XXXX XXXX he confirmed that the forbearance was cancelled and I would be receiving a notice in the mail. He also told me I a supervisor would call me back. Why didn't a supervisor call me back? 
I also was assigned a SPOC who never replied to 8 emails or called me as requested many times. 

Where is the official letter of cancellation of forbearance? Why have I not received it? 


I did not want a forbearance and was forced into it. On my other complaint Complaint id : XXXX you confirmed that the forbearance was cancelled. Where is the physical letter to be mailed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The principle balance shows an incorrect XX/XX/XXXX balance of {$48000.00}. The amount should be in the {$4700.00} 's, as the balance was {$47000.00} in XX/XX/XXXX.

Company response to consumer: Closed with explanation