BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, my name is XXXX XXXX and I am reaching out to you to help me with my Experian credit report. I am a natural person, and I have proof that Experian has violated my rights by allowing this negative account to report on my credit report. 
In accordance with the Fair Credit Reporting Act, The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
Account name : XXXX XXXX XXXXXXXX, account number : XXXX. 
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. 1681 section-2 ( A ) ( 1 ) A person ( CRA ) shall not furnish any information relating to any consumer reporting agency if the person ( CRA ) knows or has reasonable cause to believe that the information was inaccurate.

Also, this collection is only reporting to my EXPERIAN credit report ONLY, as of 09.22.2022. It's not the same across the 3 bureaus, i will attach my credit reports and screenshots of my scores as well. I have no knowledge of this account and it is making my reputation look bad and not trustworthy. I have sent letters asking and demanding Experian investigate this account and remove it but have not gotten any response from them, so I had to file a complaint with 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 non-monetary relief
Consumer complaint received 2023-01-12
Company: Peer Advisors, LLC
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
I've attached the required documentation giving you permission to speak with me. My client died intestate in XX/XX/2022. XXXX XXXX was in probate court and finally received the appointment as her personal representative on XX/XX/2022. During this time, CELINK initiated foreclosure proceedings in XX/XX/2022. We notified Celink throughout the probate process. Documentation was submitted showing the XXXX had been appointed as the personal representative. We listed the home right away. Celink still foreclosed on the home. This was a reverse mortgage. My client put down {$170000.00} and had not owned the home for even a XXXX before she passed away. A real estate investor purchased the home at the foreclosure sale. My client worked hard for her money and due to Celink, her family 's inheritance and equity in her home was transferred to a real estate investor. There was no reason for Celink to foreclose so quickly. This was in probate court and the house was listed on the market once her XXXX received the authorization to sell the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I disputed a transaction On XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX that that was performed on XX/XX/XXXX! After disputing the charges the merchant signed a contract with me that he's agreeing to the charge back / dispute and gave me a copy of the contact and had a copy showing the funds already taken out of his account and also issued me a check for services performed by another 's mechanic/ services for reimbursement of both his work amd the other mechanics work! All of this information has been sent to the bank however they are failing to close the dispute with correct compensation!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Today - XX/XX/XXXX - a direct deposit from my wife work ( amount of {$2400.00} ) was deposited and was not credited to my account. the bank institution is capital one 360. I contacted the company to find out why, the only answer given was there may be an error with their system. The only thing they said they could do was file a claim. The terms they quoted once they begun did not match the issue and it seemed like they did not know what to do in this situation. Once I spoke to a manager of the claims department he admitted this was a unique situation and wasn't really sure how to proceed besides filing a claim. This left me feeling very unsecure and now we are looking at financial distress and anxiety due to those funds not being posted as they should have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed some unauthorized inquiries on my credit report, or someone applied for something in my name. According to the F.C.R.A Fair Credit Reporting Act legally these must be removed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls over and over. Recieved 5 calls total over four day period. 1 on XX/XX/XXXX XXXX and 4 XX/XX/XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX, XXXX XXXXXXXX, and XXXX XXXX XXXX have 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 XXXX : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2020-01-23
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are requesting assistance obtaining a postponement of the XX/XX/XXXX foreclosure sale date to allow review of the short sale offer. The offer was faxed to the lender on XX/XX/XXXX, but then a denial letter stating the short sale was declined as there was not an offer on the property was sent out on XX/XX/XXXX. XXXX XXXX stated she was not aware of the offer sent XXXX when speaking with me earlier this week and that if one had been received my sale would have been put on hold. When my real estate professionals emailed a copy of the faxed documents and fax confirmation to the liquidation escalation team to verify it had been sent and received by PHH, XXXX back tracked over her mistake of not acknowledging the XXXX faxed offer and sending a letter out with an inapplicable denial reason on XX/XX/XXXX by telling the escalation team there just wasn't enough time to review. This is not the truth of what she told me though before I had the professionals I hired verify their work, and I feel very mislead by XXXX and the inconsistent information she's given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: MO
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States Have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer 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 2023-10-12
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-04-25
Company: EQUIFAX, INC.
State: DC
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 understand you have assumed a vital role in in assembling information on me as federally protected consumer, your are impeding the bank system by not making sure my consumer report is fair and accurate, you are directly impairing the efficiency of the banking system, with your unfair credit reporting methods undermines the public confidence which is essential to the continued functioning of the banking system. You are an An elaborate mechanism that has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. There is a need to insure that consumer reporting agencies exercise their GRAVE responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. You as the consumer reporting agency are require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. I was looking over my credit report and notieced some items resulting in identity theft. 

Pleas see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I was alerted from the credit bureaus that my account went into 30 day late payment status for the month of XXXX. Which was reported by XXXX XXXXPrior to this incident I have not had any late payments with this institution. 
I tried contacting Barclays Bank on several occasions speaking several different representatives as well as supervisors asking them why was I reported 30 days late to to the collection bureaus? They all have told me that they wasnt responsible for reporting me for a late payment and that it was in-fact a issue that I needed to address to The XXXX, and that they could not help me.In the meantime my actual credit report for the month of XXXX clearly states that it was indeed reported 30 day late by XXXX XXXX . 

At that point I proceeded to contact the XXXX XXXX and spoke with several representatives as well as supervisors and explained my situation to them.They then informed me that my account was paid to date, as well as that they do not have any affiliation for collections of payments from Barclays Bank with my account.They said that they have an entirely different institution connected to my account for collection of payments and that is the only institution that they have on file for me.They also informed me that they did not report me to the credit bureaus for late payments.

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 2023-06-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have had a Wells Fargo checking and savings account since XX/XX/2000, I've had numerous times my account was low on money and had to pay {$35.00} for the bank to transfer from my savings account. I haven't received money for the class action Sute going on right now, I called the bank they stated that I have to wait for them to process the payment, my daughter received over {$500.00} from Wells Fargo over six weeks ago for the same issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
on XXXX i deposited a XXXX check at chase bank XXXX XXXX XXXX XXXX XXXX XXXX which was given to me from a client from Florida who rented a XXXX and paid me with a check and this was not the first check he paid me with and have never had issues with this person. Since he is a business owner he prints his business and personal check which is pretty normal now and days. The bank held the funds and never released them and its been over 2 years now and they still have my money the check cleared there was no fraud and the money was never recalled and the client sent me a screenshot and bank statement showing the funds were taken out of his account. I have called chase countless times in the past and they told me they were going to send the money to the states lost property what the heck is this? I just want the money they owe me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: WI
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:
This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX WI XXXX; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$88.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$9800.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: CO
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:
On XX/XX/XXXX I contacted Experian about a fraud credit inquiry made by XXXX. 
They disputed and removed the fraud inquiry. I noticed the company placed an account on my credit and I disputed with Experian a FTC report # XXXX. The account was removed and blocked. I was told by the fraud department the documents submitted would be sent to the data furnisher. 
Shortly after being removed I noticed the account was placed back on my credit. I was not given notice in writing by Experian per FCRA. I contacted them at once and was told the data furnisher disagreed and asked the account to be reinstated. 
I was told the data furnisher DID NOT provide any documents other than a VERBAL response. 
I sent another FTC report XXXX to Experian on XX/XX/XXXX. 

I sent a letter on XX/XX/XXXX to the data furnisher and Experian asking for debt validation/verification. 
As of XX/XX/XXXX NOTHING has been given to me by either party. 

Experian does not follow FCRA guidelines for reporting debts or verifying disputes I placed and dispute with Experian for XXXX XXXX  as well that shows closed on my credit and {$950.00} balance. This account was removed and placed back on my credit without giving me proper notice. 

I have provided Experian with police reports and FTC reports for accounts XXXX XXXX XXXX  XXXX BOTH WERE SENT ON SAME POLICE REPORT AND FTC REPORTS. 


Experian was asked in writing and verbally to provide the following since they said the accounts were verified 1 PLEASE PROVIDE NAMES OF PERSONS AND TELEPHONES AND ADDRESS OF WHO VERIFIED THE ACCOUNTS. BOTH XXXX XXXX AND XXXX  XXXX 2 I ASKED FOR THE METHODS AND PROCEDURES USED TO VERIFY THE ACCOUNTS 3 IM REQUESTING ALL DOCUMENTS USED TO VERIFY THE ACCOUNTS I AM EXERCISING MY RIGHTS UNDER THE FCRA 611. I WAS NOT NOTIFIED OF THESE ACCOUNTS BEING REINSTERED TO MY CREDIT FILE WAS NOT TOLD I CAN ADD A STATEMENT. I AM SENDING THIS AND ASKING FOR THIS TO BE INVESTIGATED PROPERLY AND THROUGHLY I AM ASKING FOR A TIMELY RESPONSE OUTLINING THE STEPS THAT WILL OCCUR TO RESOLVE THIS MATTER. IF I DONT NOT GET A REPLY IN I WILL HAVE NO CHOICE BUT TO EXERCISE MY RIGHTS UNDER THE FCRA SECTION 616 THESE TWO ACCOUNTS XXXX AND XXXX  XXXX ARE FRAUD. EXPERIAN WAS NOTIFIED OF THAT AND PROVIDED PROOF OF ADDRESS, FTC REPORTS AND ID, POLICE REPORTS. 

THE DATA FURNISHERS PROVIDED NOTHING AS OF XX/XX/XXXX OTHER THAN A VERBAL DISAGREMENT AND VERBAL DOESNT STAND UP AGAINST DOCUMENTION OF FRAUD. 

I NEVER APPLIED OR BENEFITED FROM THESE ACCOUNTS

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 2023-10-12
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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