BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-30
Company: Riverwalk Financial Corporation
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:
Hello, My name is XXXX XXXX and the reason I reaching out is to complain on XXXX and how they have been lacking of reaching out or reporting to me on any updates. They have exceeded the 30 days multiple times and yet I have not seen no change or any movement on my account. They are reporting accounts that are not mine and I need to get this resolved as soon as possible. I already have mailed multiple letters through certified mailed, which are dated, and listed everything listed as detail as I could be. I have included everything they required and I still have not seen nothing change. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I asked Experian XXXX and XXXX to do a verification on everything that is listed on my credit report, they stated that everything is accurate. However, I did a thorough research and found inaccuracies on my credit report. 

The credit bureaus didn't do a proper investigation on my credit report. 

According to 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account XXXX should not be furnished on my credit report. 


Account Number XXXX Original Creditor XXXX XX/XX/2021 XXXX XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-07-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For the XXXX year in a row Equifax has requested I send in a form to receive my credit report. It states not able to provide online every year I pay postage make a copy of my ID & SSN and bill verifying my address and they dont send me my credit report. This year is no different. Please forward me my credit report which my is right per law. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have filed disputes with the credit bureau 's on XX/XX/2020. I have yet to receive my investigation results. The Fair Credit Reporting Act ( FCRA ), section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of all original signed documents. I have demanded to see verifiable proof ( an original signed contract with my signature on it ). The bureaus has failure to do so has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me with verified proof, the accounts must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Conduent Incorporated
State: TN
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My card will not allow me to spend over {$500.00} at a store nor will it allow me to take out more than {$500.00} at an atm. Now I understand the atm withdraw but why can I not use more than XXXX on a transaction at a store if the funds are there to be utilized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i have contacted equifax several time about these inquiries and bk that does not belong to me please help me to get them to understand and removes these items

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was purchased from XXXX by Select Portfolio Servicing , Inc ( hereafter, SPS ) within the last six months. Upon the sale of our mortgage loan to SPS we have noted a significant change in the fees applied in servicing our loan. The business practices of SPS, more specifically the fees for making a mortgage payment have been very disconcerting. The significant monthly fees to make a payment are biased, discriminatory and penalize individuals who have limited access to the internet and banking services. 

When our mortgage loan was with XXXX, a monthly mortgage payment could be made through the automated telephone service for XXXX. SPS now charges $ XXXX ( $ XXXX ) to make a payment through the AUTOMATED telephone service and {$15.00} to make a payment with a representative over the phone. Per the representative, a bank to bank mortgage payment can be completed for free. Or, if autopay is set up using a bank account it is free. I have previously set up autopay to pay a bill in a different situation only to have funds deducted prior to agreed upon date. Therefore, I never use that option anymore. Utilizing the United States Postal Service requires the cost of a stamp, would require a check be mailed prior to funds being available to arrive on-time ( which is not preferred ) and risk the payment being late due to the uncertainty of delivery times during current pandemic. 

Thus, does a consumer have the right to choose which CREDIBLE company purchases his/her loan? What are a consumer 's rights in the choice of who buys his/her loan? When my home was purchased over 20 years ago I had a choice in choosing my mortgage company. 

Now, years later, we are forced to deal with SPS, a company we are very uncomfortable with due to its business practices. Tonight, this writer had another FRUSTRATING, unsatisfactory experience attempting to make a mortgage payment, during this pandemic, without paying a fee. Ultimately I requested to speak to a supervisor. After an extensive conversation, that supervisor stated if a mortgage payment is being made within 5 days of its due date, she can waive the fees. This was the first time I was made aware of this rule. The payment this writer was attempting to make qualified for that rule. The supervisor then agreed to waive the fee for paying over the phone. While on the phone this writer researched the history of SPS online and discovered the previous government settlements related to its business practices under its previous names. 

SPS ' fee practices are unfair, discriminate against financially disadvantaged individuals and financially burden those who may be experiencing financial hardship. SPS unfairly applies fees to the most convenient and easily accessible method available to most to make a timely payment, especially during the pandemic - the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have filed disputes with the credit bureau 's on XX/XX/2020. I have yet to receive my investigation results. The Fair Credit Reporting Act ( FCRA ), section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of all original signed documents. I have demanded to see verifiable proof ( an original signed contract with my signature on it ). The bureaus has failure to do so has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me with verified proof, the accounts must be removed.

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 2023-06-17
Company: Financial Assistance Inc
State: OH
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 have reported the company for identity theft and for debt validation with the credit bureaus on XX/XX/23. I have reported them to the FTC as well. I sent them a letter notifying them of the dispute and investigation and a cease and desist on the debt collection pending investigation and validation. They have not responded to anything or about anything. Since the dispute was commenced. They are in violation of 15 USC 1692g ( b ) and 18 USC 1028.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: KEYCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My friend sent me XXXX dollars via XXXX. The funds are being held for three days. It is supposed to be available immediately. I'm stranded with no money and once again this terrible bank has caused me trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, and I hope all is well. While reviewing the credit profile to Experian/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX hired a third-party collection XXXX XXXX XXXX to report an item on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

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 2023-01-15
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I opened my BECU visa account and found charges made to my visa account by XXXX XXXX XXXX in the amounts of {$21.00}, {$30.00}, {$25.00}, {$25.00}. I did not make these charges, these were made on XX/XX/XXXX. It did not say what the items were, my bank listed them as pending. 
The website with this phone number says it is a Bank Fraud and has been reported to the FCC. 
I want these charges removed from my BECU bank account. I noticed this has been going on since XX/XX/XXXX and it is still happening.. 
I also have problems connecting with DO NOT CALL REGISTRY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Several transactions between XX/XX/XXXX thru XX/XX/XXXX. I have several receipts in my email. Too many to upload.

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 2020-07-23
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been receiving rude threatening calls out of Georgia, USA by a company by the name from Mediation Department at XXXX XXXX XXXX. This agent by the name of XXXX XXXX at XXXX Ext. XXXX ; XXXX has been calling my wife ; my son ; and my self for the last two weeks. This person claims that they are collecting debt on behalf of Best Buy, and that I owe over {$2000.00} worth of purchases on my Best Buy account. This person threaten me with legal ramifications if I did not make payment. She has my address ; phone number ; and last four digits of my Social Security Number. She said that if I refuse a complaint would be filed in XXXX XXXX County, CA ; and that I would have 25 % of my income garnished. She was abusive and I told her on the call that it was illegal for her to be contacting anyone in my family without validation. I immediately reached out to Best Buy Credit Card Department and reporter this caller as a fraud. Per the agent at Best Buy, I do not owe Best Buy anything, in fact, I do not have any credit card issued from Best Buy to my name. I contacted Best Buy at XXXX they emphasized that I don ' t owe anything and that I contact local law enforcement. Those are all the facts I know.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian inside fraud by employees and managers the facts is were is the information to verify this fraud fake made up name to my experian credit report employee and management XXXX XXXX, XXXX XXXX This name above listed is inside fraud done by employees and management How are experian employees allowed to add inaccurate false made up names to your Credit Report to commit Fraud then press save the name to your credit report Why is Experian employees and management doing this if higher management didnt already OK make it make sense cause it dont inside fraud

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 2023-01-14
Company: WELLS FARGO & COMPANY
State: AE
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:
Put hard credit inquiry on my credit I don't recognize or authorize on 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 2023-01-14
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The debt I received was due to a identity theft in the result of someone opening an account in my name with devices I have not claimed. Its very frustrating because I have tried to explain that to the debt collections and they still call every single day

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
the account XXXX XXXX, XXXX   XXXX s reported as duplicate on my Equifax and XXXX credit report. They are reporting it but XXXX did not, why?? My student loan holder granted forbearance, payments were reduced and it is not for collection. It shouldn't appear on my credit report in the first place because this is a government funded loan. Please remove it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 . Or list of inquiries 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 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 if 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 2023-07-03
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: CA
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 was checking my credit, and saw multiple inaccuracies, accounts, inquiries, personal information. 

Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Auto Loans : XXXX XXXX XXXX Reported XX/XX/XXXX Highest Balance of : {$19000.00} Opened : XX/XX/XXXX ( XXXX, XXXX ) Last Payment : XX/XX/XXXX Current Payment Status : In Collections/ Charge-Off Account Status : Derogatory ( Auto Loan ) Remarks : Charged off as bad debt Purchased by another Lender Closed : XX/XX/XXXX Credit Cards : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$9200.00} Credit Limit : {$9000.00} Opened : XX/XX/XXXX ( XXXX, XXXX XXXX. ) Last Payment : XX/XX/XXXX Current Payment Status : In Collections/ Charge-Off Amount Due : {$9200.00} Account Status : Derogatory Type : Credit Responsibility : Individual Remarks : Charged off as bad credit Canceled by credit Grantor Closed : XX/XX/XXXX Inquiries : XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX Collections : XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$5700.00} Opened : XX/XX/XXXX Account Status : Open Type : Derogatory Responsibility : Individual Remarks : Placed for Collection Original Creditor Name : XXXX XXXX XXXXXXXX University Closed : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: GOLDMAN SACHS BANK USA
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Getting declined for an Apple Card by Goldman Sachs Bank USA for reasons that even any of the credit bureaus ' can not figure out and help me with it. There is a file of a copy of the letter attached to this FTC report.

Company response to consumer: Closed with explanation